Originally Posted by Los Popes
Just refi'd our rig for 4.79 through Bank of the West and knocked 30 months off the loan and saving $16k in interest. When I bought it new I got 6.39 through USAA - when I told USAA about the new refi rate and term they could not match it.
USAA has to answer to "US" (the members - through the board of directors) and is very particular about "negotiated" interest rates regardless of credit score.
You can sometimes do a lot better elsewhere. My DW's new car got financed for 5 years at 1.79% with zero down and included the extended warranty through Navy Federal Credit Union. USAA could not come close for 5 years, though they would do 1.79 for 3 years.
Lou and Laura with Bella - German Short Hair Pointer
2008 GMC Sierra 2500HD Crewcab SB Allison Duramax
2010 Flagstaff 8526RLWS - Superglide 3300
HAM CALLSIGN - KC3FFW