DCU has 65 months for 2.24%.
Processing will be glacial, and god help you if you need to call.
Secure messaging only gets generic responses asking you to call the loan department, where the phone queue is 90 minutes to three and a half hours deep.
If they need something from you they may call, and if you can’t speak at that moment they will tell you they’ll call you back – but never will.
Eventually they’ll get it done, and maybe not the way you want, but the money’s cheap.