Quote Originally Posted by GIXXERDK
Credit unions requires you to have an account with them, first. Its much harder to get an account with them than your local bank.
Not really. I opened my credit union account here in GA and the one I had in SC exactly like and just as quickly as my other bank accounts. When I bought my most recent car, I got my loan through GA Telco and I just gave them $5 to start the savings account (as Kellie Marie said) and that was it.

Their interest rates are on their website. Of course, that is the lowest rate for people with the best credit, but as long as yours is pretty good, it won't be far off of that.