Yes, that’s why I posted both 
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The lowest I’ve seen so far is from BCU. I’ve refinanced from them and I took it down to %4.34 from %6.39. If my car was 2024 it was gonna be %3.84. Refinance rate changes based on year of the car.
Seems like they have better rates now:
They were very quick, good customer support. When I applied there was a promotion and they even gave me $250 bonus. You may need to purchase GAP insurance if you dont have which was $499 for me. If you get a credit card from them, they apply %0.5 discount. They mainly give rate based on your Transunion credit score. I don’t remember exactly but you may need to have 750 or 775 to get the best rate. You can always make additional principal payments and ask them to recalculate your monthly payments.
Membership is not hard, but if anyone needs, I can share my referral link privately.
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Make sure your insurance provider doesn’t offer GAP. If they do offer it, it should be far less than $499. Geico sadly doesn’t offer it however many do.
A note for those applying to CUs, I’ve noticed many but not all ask to do a full underwriting process (supply 2 years of tax returns). This takes longer (could be up to 2 weeks) than the big banks which often just do a credit pull
Can you please share BCU membership referral link. Thanks
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You can also join by subscribing to their Life. Money. You. program.
I doubt this is the case if you are simply a salaried employee with a W2.
I can see this if you were all 1099 income or a solo and needed a Schedule C here or there, but the CUs I have dealt with usually want to see some bank statements, etc. with a hard pull.