I got my last loan with CUA....8.29% comparison, but the real kicker is 195 setup, no monthly fee and no early payout if after 1 yr..... ($195 i think if in first year).....so you can smash the loan out, and effectively pay a much lower rate. I know there are others down to 6-7% with similar setups, so although it sounds higher, you really have to do the total figures for the loan first to see if it is.