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Just got my VIN for R1S - Loan rates for Bay Area?

fromSf

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Nov 2020 LE Preorder, Midnight, OC, Underbody shield, VIN: 67XX, built and ready to be shipped to the San Jose Service center.

  1. The guide told me it has Rivian Elevation Audio.
  2. He wasn't aware of any air compressor upgrades/updates.
Rivian's trade-in offer was too low, so I started shopping around. I just applied for a loan at Parsons FCU. Are there any local credit unions in the Bay Area offering better rates?
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Trizzle29

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DCU can get 4.99

membership needed
EV vehicle purchase
 

BrentInCO

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Trizzle29

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BrentInCO

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.75% in discounts below. ( Iā€™ve been a member for 2years when I purchased my last car)

MEMBERSHIP LEVEL DISCOUNTS
0.50%INCLUDED FOR PLUS AND RELATIONSHIP MEMBERS WITH ELECTRONIC PAYMENTS.
ENERGY EFFICIENCY DISCOUNT

0.25%ADDITIONAL DISCOUNT FOR ENERGY EFFICIENT VEHICLES
NO PAYMENTS FOR

60 DAYSTAKE ADVANTAGE OF NO PAYMENTS FOR 60 DAYS
Iā€™ve been a member for 2 years, as well, and have 2 car loans with them (1.24% Tesla and 1.49% FJ). The word ā€œincludedā€ means the discount is already in the % they are quoting. So, the 0.5% is already in the 5.74%. Yes, the additional 0.25% for an EV would reduce the 5.74% to 5.49%, but 4.99% is not possible.

USSFCU is offering the best rates right now, but the OP is from 60 days ago, and thereā€™s a separate, more current post titled Loan Rates, so I donā€™t know why this outdated, inactive post got bubbled up.
 
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Trizzle29

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thatā€™s not correct- itā€™s .50% discount for members who direct deposit
 

BrentInCO

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Trizzle29

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This is confirmed by DCU.- so no point arguing anymore
 

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BrentInCO

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Respectfully not explaining any further- do your own research. What do I have to gain by giving you false info?
 

BrentInCO

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Respectfully not explaining any further- do your own research. What do I have to gain by giving you false info?
All you have to do is read their website to see you are wrong.
The published rate includes the 0.5% discount.

Rivian R1T R1S Just got my VIN for R1S - Loan rates for Bay Area? 8C80CF7B-93E1-4BF3-9FB6-CF6806CFFF81
 
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AxelR

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Al you have to do is read their website to see you are wrong.
The published rate includes the 0.5% discount.

8C80CF7B-93E1-4BF3-9FB6-CF6806CFFF81.jpeg
I agree with @BrentInCO
Iā€™ve been a DCU member for more than 10 years. The rates advertised include all discount except the EV/hybrid .25.
Currently have 1.24 on my Tesla and had 1.49 on the Raptor I just sold.
Current best will be 5.49.
 

R1Ser

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StarOne is good too. 84mo @ 5.49%

Gives you an added benefit - the payment is lower and you can pay more when you want.
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