I was quoted 3.75 (APR 3.778) last week. First thing the loan officer does is run your credit reports. The lower the score the higher the rate. Most banks will advertise their best rates but if you read the small print it will say subject to credit score or other factors so you may not get the advertised rate. I felt that Citizens was really up front with everything. You may be able to find a little lower rate but there is some advantage to dealing with a local bank.
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