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I opened an account at Georgia's Own CU yesterday. I spoke briefly with the guy about a loan but not to much in detail, just that I would probably need 10-15% down (no surprise) and maybe need a co-signer. But what would be a descent rate for a 22 year old with a relatively good credit score in low 700s making between $30-40,000 a year. Would the dealer have good rates or should i look at the CU the most.