Wish I knew that before..
I was shocked, i actually had caled them to get a purchase agreement sent over so my bank could have a check ready, not thinkig they could beat 4.49% that i see advertised most places.
They called back 10 minutes later with the 1.99% offer, with the cavear that it costs 35$ to join thag credit union, and i couod only go 60 months. Was going to stay at 48 if possible, but at 1.99 ill run it to 60.