CACCU has this fine print:
“Published rate includes a 0.50% APR relationship pricing discount (0.15% for an active CACCU Checking Account, 0.15% for automatic payment transfer, and 0.20% for a CACCU VISA Credit Card or CACCU Line of Credit).”
I think you need to have all three types of accounts/payment (checking, auto pay, VISA/LOC) to get the last .5% on the published rates. 
Yikes I didn’t catch that one - a checking account and automatic payment transfer is easy enough, but that CUCC or LOC will be a kick.
Yep, stuff like this is always buried!
6.99 for 96 months, 720 credit score preferred
https://www.matadors.org/bank/membership-eligibility
4.25 if you live in one one of their counties
Their rewards card is so bad they don’t even bother trying to explain the earning structure or how much a reward point is worth, but it appears that you definitely won’t be getting cash back.
But, hey, you can get a limit up to $15,000!! 
So you can become a member at BC3 through the Armco loan application?
I went through the application process last week. I live in Worcester County. I have not received any confirmation that my application was approved. I am going to give them some time. I am in no rush but just wanted to join for the low rates.
On a side note, I am a member of another credit union, US Alliance Financial. Their auto loan rates are not competitive at the moment.
You can become a member of BC3 via the Armco membership application process.
AAEC Credit Union- NW suburbs Chicago- 4.6% on 60 months. Approval within 1-2 days.
Another one for LHers living in the Chicago suburbs- you can live or work in the area bordering the info below.
The website shows higher rates, but they will shave of 1% or more of the rates when you call and ask. The process was quick and done in 1 business day. I got my loan through them and if anyone wants PM me and I can give you some contacts, though going direct works too.
Eligibility- pay $25 to open account and below requirement
Anyone who resides or works in our general geographic area defined by the Illinois/Wisconsin border on the north, to US 90/US 39 on the west, to US 80 then US 294 on the south, to US 294 to IL 19 (Irving Park Rd) to Lake Michigan on the east.
@HersheySweet - Thank you for your sheet. Please add on your next update.
Loyola Credit Union approved 2 weeks ago a 1.9% loan via a used car dealership in IL
Very Niche joining requirements but if you qualify good for you
the loans rates below are higher than 1.9%
https://www.luefcu.org/Rates/Loan-Rates.aspx
very difficult to qualify but MD and IL campuses both qualify
any good financing options for private party purchases?
With a credit union based on my experiences, you gotta call em. Nothing gonna get done without calling
Pretty good for those in SoCal
Good for those in Mass
Refinanced through Armco 72 3.45%. Super easy and very responsive. Would def recommend
These are some of the best rates i think. Up until FEB 28
Did they require proof of income?
Yes 2 paystubs or tax returns if self-employed
Isn’t Tower better at 2.99 for 60 months?
Better by 0.20% for 60 months but is then 0.05% worse for 72 months ,0.25% worse for 0-36 months and 0.54% worse for 73-84 months
I closed a purchase with tower, and they’ll knock .25% off on the rate if you use the ‘trucar car buying service’ … which is really nothing more than seeing if the car you’re buying is listed on trucar. I had already found my vehicle (18’ Lexus LX) but I just happened to look on the trucar link from tower’s site, and there it was, so boom, .25% off.
