This was a private party purchase so the lower rates with the car buying services didn't matter. I thought about USAA, but part of why I went with my credit union was also that they could use the hp from when I joined. I'll join USAA eventually, but I really want them more for insurance then financial needs. It's just a matter of getting my Dad set up with them first. What I figure is I'll pay the 4.2% for a year or so and then refi. It's really no big deal for me and there is the bonus of building a better relationship with my credit union.
Current Scores: TU 746, EX 755, EQ 724