[Goat Blower]

I worked in auto finance for a while. It is true that they can sometimes beat the best rate you'll find, you're still better off checking on your own just in case, especially with USAA, they are among the best if you're a vet. Depending on the dealer and the bank they finance with, they can raise your rate a certain amount and pocket it, so you can do better on your own with the right credit union, especially if you have a 720 or better credit score.