 yes well if you're thinking you have to borrow money before the interest rates go down you'll get your best rate at a credit union especially at bayport credit union there's so many reasons to bank there they're funded they were founded by shipyard workers that's what i really love there's 28 convenient branch locations and the people inside are so nice there's often lollipops but if you don't like to go into a branch or there isn't one right near your home