I have a Bank of America account and also get their preferred rewards discount. The last time I checked, the rate was something like 1.79%. I just went on the website and now its saying 3.09%.
My local Credit Union that I have an account with is say 2.24% for 48 months, 2.49% for 60 months, and 2.74% for 72 months.
I haven't had any of them run my credit yet but I would assume I would get the best advertised rate.
If Tesla is still 2.49% I will probably just go through tesla for the convenience factor. Like you, I tend to pay my debt down fast as I am not a fan of debt. But wasn't sure if Tesla's rate went up like Bank of Americas did.
Edit: Looks like Tesla's rate might be 2.99% now.