1.49% for 36 isn't that awesome. There is a local CU in the Chicago area doing 1.49% for 60 (and has been offering it for at least a year now).
I agree, but I've yet to find a better rate locally after calling 10+ credit unions. That's why I'm asking.

Edit - well actually I've found one that has a lower rate net 1% rebate upfront, but I apparently don't qualify for the rebate as it would be an internal refinance (current customer). Still that only puts the rate at 1.35% if carried the full 36 month term.