I went with FCCU as well and got the 3.99%. Been a rush job though. Found out late Wednesday that I needed to pick up this Saturday. Spent all day yesterday and today bird dogging the process. FCCU says that the wire transfer has gone thru as of 3pm eastern but Tesla is wanting a wire receipt before i can pick up tomorrow. It is getting close to quiting time on the east coast and still have not gotten the wire receipt…ugh