BurbMan wrote:
Most dealers will give you a better price on the vehicle if you also finance with them since they get paid by the lender too. In that case, finance thru the dealer, wait 60 days and then re-finance with USAA and get the low rate then. The only one who gets screwed there is the dealer's lender.
Only wait 60 days if you want to pay interest for 60 days.
I too have USAA for everything - except when I bought my truck, Navy Federal had better rates. Then I wanted to refinance the house - Navy Federal again had better rates (and will refinance up to 100% of the value of the house where USAA will only do 90% - I didn't go to 100% but that was nice to know).
When I bought my truck, I also used the x-plan through my work. I got more discounts by using the x-plan at the dealer and financing through the dealer. Then 1 week later I refinanced through Navy Federal. I would have done it sooner than a week but it took that long for Ford to get me in their system. It's their system, use it to your advantage.
I went away from Navy Federal a long time ago - so long ago I don't remember why. Also, don't forget about PenFed. They usually have really good rates too.