Based on information at this site, plus other things I read, I opened an account at Clean Energy Credit Union (cleanenergycu.org) back in Nov 2021 when I reserved my first ID.4. My plan was that this would be my car financing account. At the time I opened the account, they had 1.49% interest on new EV loans. I set it up with direct deposit from my 2nd job and was busy saving money (since my car reservation was taking forever). Pretty quickly, I met their requirements for a "Rewards Checking Account" and started earning 3.50% which was amazing to me. This sort of interest on a checking account? Who knew!
Then, I decided to buy a Leaf in Sept 2022. Nissan financing (NMAC) gave me a rate of 2.25%. Meanwhile, Clean Energy loans had jumped up to 4.49% (and it is currently at 5.89% for new cars) so I decided to go with NMAC. I wanted to give Clean Energy the business, but this wasn't a reasonable difference.
Meanwhile, my checking account is still earning 3.50%. I was reaching the threshold ($15,000) for that interest rate, so I opened a 6 month CD (transferring $6000), also at 3.50%, which means I can keep earning on the checking account and now the CD.
My goal is still to pay down the Leaf loan quickly, but I think somewhere in this scenario I am still coming out ahead.
FWIW, the folks at Clean Energy seem very nice, get back to me quickly, and I like their mobile app for looking at my accounts, transferring money, etc. Plus, I like their whole philosophy of "clean energy."