PenFed has good rates on auto loans, and if you don't qualify there is a way to get membership by subscribing for 1 year to some org (NMFA or something? Penfed is a 'military family' related credit union).
I just got free membership when my room mate signed up, so I can use them for loans later - haven't done that yet, but they consistently seem to have good rates imho (both auto & house loans)
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