When I got mine, I called my CU and told them that purchase was imminent in next day or two, they gave me a rate of 2.89 up to whatever $ amount I needed. Went to dealer, they offered to match the rate, I said okay. After sitting around for 45 minutes they said they could do 2.99, I stripped a gear and said "you kept me waiting to come in higher than what I already had?? Anyway, they ended up doing 2.89 also.
Two days later, girl from the CU calls and says they never received the purchase order, I told her the dealer had matched her offer and the truck was in my driveway. She told me to hold on, came back and said they would do 2.49. I told here nothing would make me happier, after my ****** buying experience.
She took care of everything from there on out. This was in late August, that was by far the best rate I could find after shopping around, with excellent credit.
Anyway, like Johnkn said, money is still cheap, a point or two isn't a huge deal.
