Pro tip on BCU: if you use their "car buying service", you get 0.5% discount on the rate. They basically go through TrueCar. The trick is to go through BCU's link to Truecar, then search for the RR you want in your zip code (or your dealer zip code), as long as the car you are buying or you ordered shows up in result and you click contact or follow up through that page, you will get the discount. Since ordered cars also show up on dealers website, you can use this trick to get this discount too. I spent some time talking to them about this discount. For example I asked what if I contact the dealer for a specific car through Truecar but end up buying a different car from them, they said it is fine too. I am not sure if they match VIN or just match dealership name and make sure you contacted them using their platform.