See if DCU will refinance the purchase of the car.
What is the residual on a 5 year lease? I've never seen it before!
Yeah I think I will have to buy the car from the leasing company and then turn around and trade it
Once you buy it you don't need to trade it because then the milage doesn't matter. Leasing, then buying, then trading immediatly means you lose the abosolute most money on the transaction. It is most likely a good idea to buy it now since you are over on your miles. Just do the math for the milage and the lease in comparison with the buy out to see where you are to know that it is the best route.
The only way to reduce the loss is for you to sell it privately after you purchase and hold a while. If you are a high milage driver (or any over the max milage allowed in a lease) don't lease a vehicle. It is not worth the expense. Most auto leases are designed to get you on the milage.