With more trucks shipping out and interest rates about to increase, check out Armco Credit Union in PA (www.armcocu.com). A buddy showed me this from the Ford Tremor forum. They have great rates, but in addition, as a new member if you apply for a loan within the first 30 days you get a 1/2 percent discount on the loan. So 3.5% becomes 3.0% for example. They also lock your rate the day of the application for 30 days. They do take out of state customers. Sounds like the FED .75 point increase will take effect Nov 1st so there still time to lock in a low rate.