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A couple bucks I would. Lol. I'm not that lazy. My wife may disagree. Penfed, Apple and NFCU all want $1000 minimum auto deposit per month.
You may want to try and speak with a different rep from Penfed. I have used them since 2011 and had the same $25 in the checking account since... I've financed newer dodge diesels, Fords, and Subaru's all used. It may be because of the amount/RV requirements but if its been a while I would just make a list of the credit unions in the area and call/get a round about loan term.
payment, term, percentage, total cost etc and make a list for each bank then call the one that is either cheapest of had better options to make up for any increase in percentage. Took me maybe 2 hours to call bunch of banks and narrow it down. but when you save thousands over a loan term with good customer service that little two hours will be well worth it.
For example my main bank does not has the best rates for used autos or toys so I use penfed and a local credit union. Thankfully all we have financed now is the side by side etc.
-99 F250, 4X4, 6.0 trans cooler, 08 mirrors, 05 grill, AIS Intake, lvl kit, JW Vbody, cncfab hpop lines, WW2.
04 Excursion Modified, 04 F350 Modified, 06 F350 Modified
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"Its like me getting five 5 gallon bucks and throwing regular, mid, premium, #2 diesel and offroad diesel and then shooting a roman candle at each one to show which ones burns better."