The saying that ‘knowledge is power’ definitely applies in the vehicle purchasing situation. Use the links below to research the value of your existing vehicle and/or the value of a vehicle you are considering purchasing.
Window shop on the days that dealers are closed. Never impulse buy.
Negotiate initially strictly on the purchase price. After you agree on that figure, then bring up any trade-in you may have.
Negotiate based on the bottom line; not on the monthly payment amount.
Have your loan pre-authorized at the credit union. Our loan officers will advise you of the amount you qualify for and will help you avoid unnecessary dealer add-ons.
Tips for Used Car Buyers:
Check for oil spots under the vehicle after driving it.
Check tread on tires for uneven wear and decent tread depth.
Make sure all door, hood and opening joints line up evenly.
When accelerating, look for smoke in the rear view mirror.
Drive at a speed that will allow you to shift into overdrive.
If oil is dark black and thick, chances are the vehicle has not been maintained properly.
Never buy a car without an inspection sticker.
If buying from a dealer, insist upon the dealership providing the CAR FAX report.
If buying from an individual, purchase the CAR FAX report yourself. It is a small investment that can help you avoid future trouble.
Born to be Wild
Are you dreaming of finally buying a motorcycle and hitting the open road? Bikes are a lot more expensive these days than they were in “Easy Rider” years, but that’s no reason not to chase your dream! Be sure you get the right kind of bike, whether you’re looking for long road trips, off-roading or chrome-shined cruising. Continue reading →
Saving on Home Renovations
Does your kitchen look like it's straight out of 'That‘70s Show'? Do you still have avocado or harvest yellow tile? It’s time to remodel! These remodeling tips can save you big bucks! By focusing your remodeling, shopping for a contractor and choosing midgrade materials, you’ll save. Continue reading →
Is 0% Financing Too Good to be True?
Automakers feeling the pinch are offering 0% loans to get you into the showroom (or the website). But is that offer a good deal? Before you jump on the offer, call ATFCU and get your rate and the amount for which you can get financed, then take a look at the carmaker’s 0% offer and see which one works for you! Continue reading →