I ran through credit unions and ended up getting pre approved for 48k at 2.89% 72 mo. After all of that meandering with different credit unions, including one in South Carolina which required me to join a Consumer Council Group (I didn't), I couldn't believe that my best rate would end up being Bank of America. Now I need to see if they will take off another 1/4% for preferred. Not a credit union, but a bonafide bank. I'm surprised.