Usually you have to be a member and have an account, I know the one my roommate used for his loan had a $5 minimum to open an account, so it wasn't a lot of money to be able to get a loan.
Yes and I think you'll get the lowest possible rate by keeping the account funded and having them snatch the loot directly out of the account every month. The one I'm a member of currently has 1.99% @ 72 mos.
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