I bought a used 2015 F150 @ 2.5% in November after I lost my truck in Harvey. Surprisingly the dealership ran my credit and found a bank that beat my credit union by 1.5 percent.
Credit union gave me 1.9 on a new truck last year. Would have given me 1.74 if I had agreed to automatic withdrawl, but chose to write a check each month. The difference turned out to be $4.00 more per moth, but the flexibility of using their 10 day grace period to pay by check was worth the slight increase in interest rate.
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