Heritage Federal Credit Union Check Out Our Low Rates!   Apply Online Today      INTRODUCTION    SET PRIORITIES    START AT YOUR CREDIT UNION    FIND THE RIGHT CAR    TEST DRIVE    NEGOTIATE    SEAL THE DEAL •    DO'S & DON'TS Next, the dealership will attempt to profit further by selling you financing. Listen, and then say "No thank you." Your credit union financing is most likely the best deal in town.

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