Anyway, knowing that I need to purchase a car, I apply on-line on late Sunday afternoon. I had an answer by 10:00 on Monday and the amount was deposited into my account by Monday afternoon. I have an excellent rate for a used car 6.25%. Plus the representative said that I was approved for their Visa Gold card. If I wanted it< i just had to give her permission to send it. Great interest rate 10.9 fixed -- it's been that rate for years. Moral of this story, establish a relationship with a credit union. I am always pleased with the level of service I get from these institutions.