To get a loan from a credit union you need to be a member first. Then you can get a loan. The 5 year mark is from what year they are selling now. Once the make you want comes out with the 09 model then 05 is the last year they will lend you mode them NADA list for it. They include 09 as a year. You can go online to just about any credit union an see their current rates. My credit union ( Delta Credit Union) give you a .5% discount to apply online. You can be a member of any credit union you want. The Feds passed a law a few years back that will allow you to do so.
Here is a link to the current rates at DECU.


https://www.deltacommunitycu.com/Per...nter/rates.asp


I hope this info helps you in any way. I have a few friends that work a different banks, so if you need more info just PM me.