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Originally Posted by Gruntina
That is current with my bank. If you do not have a savings/checking account, it can go up to 3.9%. I would be careful with the dealership financing as they have hidden fees or include fees with the total price on the 0% financing. Also its only for the first two or three years and then the interest are really high after that.
I opt to purchase a used car from a private owner to avoid extra fees(i.e. lot and care fees).
Best way is to save up for a car, purchase from private owner and not pay any sales taxes or interest.
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Their current lowest rate is 5.9%, according to the Patelco website
http://www.patelco.org/rates/loan_rates.aspx. I don't think there is any credit union offering 2.9% or 3.9%.