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Old 01-05-2010, 07:35 PM   #1
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Better discount?: Credit union or USAA car buying service?

Here's the deals:

USAA Car Buying Service: The dealer adds $500 to invoice and then the USAA discount is applied $750. So in the end you pay $250 below invoice.


Credit union discount: I have no idea what the details are.
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Old 01-05-2010, 07:41 PM   #2
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why would they add 500 i thought it was 750 off
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Old 01-05-2010, 07:48 PM   #3
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It's the car buying service. You get a no haggle price at $500 over invoice. Then you are free to use the $750 discount. The service is seperate from the $750 discount.
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Old 01-05-2010, 07:55 PM   #4
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I was told the credit union discount does not apply to camaro. It may have changed now.
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Old 01-05-2010, 08:02 PM   #5
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Supplier price via credit union discount is 800 bucks off MSRP of a 1SS/RS with boston accoustics package. I just checked 5 minutes ago.
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Old 01-05-2010, 09:26 PM   #6
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Quote:
Originally Posted by Blade View Post
Here's the deals:

USAA Car Buying Service: The dealer adds $500 to invoice and then the USAA discount is applied $750. So in the end you pay $250 below invoice.


Credit union discount: I have no idea what the details are.
Depends on what you are ordering. On my 2SS that I'm ordering the price will be about the same. On everything else, the first option will get you a lower price but not by much.
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Old 01-05-2010, 09:38 PM   #7
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Credit union discount - which get you GM PREFERRED PRICING (new name effective 1/5/2010), good through 9/2010 AND THEN take off the $750 USAA good through 12/2010

By the way, the GM preferred price is nice, if you have a discount code, great, if not, it's not an issue for me.
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Old 01-05-2010, 09:42 PM   #8
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Quote:
Originally Posted by CamaroScotty View Post
Credit union discount - which get you GM PREFERRED PRICING (new name effective 1/5/2010), good through 9/2010 AND THEN take off the $750 USAA good through 12/2010

By the way, the GM preferred price is nice, if you have a discount code, great, if not, it's not an issue for me.
Excellent Smithers!

Sounds great and thanks Scotty! I know you have had a looooooooong day

I am going to check this out with my dealer.
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Old 01-05-2010, 09:50 PM   #9
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Excellent Smithers!

Sounds great and thanks Scotty! I know you have had a looooooooong day

I am going to check this out with my dealer.
I have a contact at Rick Hendrick Chevy you can talk to....
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Old 01-05-2010, 10:02 PM   #10
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I have a contact at Rick Hendrick Chevy you can talk to....
Oh man.......well I placed my order up in Delaware already on 12/9. I am supposed to have the car by then end of February. So I am hoping for a production date soon (Next week?), if I don't get one, I just might have to get in touch with your guy.

How much would the supplier price be on the setup that I have ordered? the setup is in my sig.
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Old 01-05-2010, 10:05 PM   #11
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Oh man.......well I placed my order up in Delaware already on 12/9. I am supposed to have the car by then end of February. So I am hoping for a production date soon (Next week?), if I don't get one, I just might have to get in touch with your guy.

How much would the supplier price be on the setup that I have ordered? the setup is in my sig.
about 900-1100 under MSRP
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Old 01-05-2010, 10:27 PM   #12
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Quote:
Originally Posted by Blade View Post
Here's the deals:

USAA Car Buying Service: The dealer adds $500 to invoice and then the USAA discount is applied $750. So in the end you pay $250 below invoice.


Credit union discount: I have no idea what the details are.
I bought my Rally Yellow 2SS/RS on 12/29/09 for invoice, then took the USAA discount of $750, and the GM cash of $500. I also got another “company” or “employee” price discount of around another grand, but the fact is that at the very beginning I started at invoice. There was never any markup over MSRP on my dealers end, so I am convinced that this markup you mention is not mandatory, but at the dealers discretion. This is an elective decision of the dealership to take more of your money.
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Old 01-05-2010, 10:38 PM   #13
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Quote:
Originally Posted by markgoodson View Post
I bought my Rally Yellow 2SS/RS on 12/29/09 for invoice, then took the USAA discount of $750, and the GM cash of $500. I also got another “company” or “employee” price discount of around another grand, but the fact is that at the very beginning I started at invoice. There was never any markup over MSRP on my dealers end, so I am convinced that this markup you mention is not mandatory, but at the dealers discretion. This is an elective decision of the dealership to take more of your money.
The $500 markup is the USAA Car buying service deal with USAA ceritfied dealers. It is explained on the USAA site, when you do a car search with price guaranteed. Its a contract between USAA and the certified dealers.
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Old 01-06-2010, 07:39 AM   #14
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And then the dealer tacks on a $1000 delivery fee to your below invoice deal.
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Old 01-06-2010, 09:57 AM   #15
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Quote:
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about 900-1100 under MSRP
Just received an email from my guy. He does honor the "GM PREFERRED PRICING" and will also combine the USAA discount

So far so good.

Now I just hope the damn order makes some progress.
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Old 01-07-2010, 10:09 AM   #16
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Opened a credit union account and got the authorization now This is almost too easy.
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Old 01-07-2010, 12:52 PM   #17
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Quote:
Originally Posted by Blade View Post
Here's the deals:

USAA Car Buying Service: The dealer adds $500 to invoice and then the USAA discount is applied $750. So in the end you pay $250 below invoice.


Credit union discount: I have no idea what the details are.
There is no $500.00 added to the invoice. Have sold a couple units with the USAA discount and didn't add anything.
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Old 01-07-2010, 12:58 PM   #18
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There is no $500.00 added to the invoice. Have sold a couple units with the USAA discount and didn't add anything.
Different issue, he's talking about using the USAA car buying service. USAA is a bank, buying service, insurance company, etc. They have pre-set discounted pricing from dealers on different cars. For example, dealers agree to sell Malibu's @ 100 under inv, Cobalts 500 under, and Camaro @ 500 over.

Then the USAA member can apply the $750 USAA discount, and whatever other GM incentives that may apply.

To the OP: Clearly, in this case your best best is going the route of credit union member, minus USAA discount. The only way to get a better deal than that is if you have a GM card, as I believe that you can use your points as well....
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Old 01-07-2010, 09:55 PM   #19
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Would you be able to use the USAA discount(not car buying service), GM Military discount and the credit union. As of the moment those are the only options that are available to me.
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Old 01-07-2010, 10:25 PM   #20
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Would you be able to use the USAA discount(not car buying service), GM Military discount and the credit union. As of the moment those are the only options that are available to me.
Military and Credit union are the same program. As is the College Graduate Program.... So unfortunately, no you can only use one of those three in conjunction w/ the USAA discount.
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Old 01-08-2010, 10:22 AM   #21
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Military and Credit union are the same program. As is the College Graduate Program.... So unfortunately, no you can only use one of those three in conjunction w/ the USAA discount.
Thanks Rockmont I figured that would be the case.
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Old 01-13-2010, 02:51 PM   #22
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To get the USAA discount, aside from joining is there an authorization I need to obtain? If so, what's the website?
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Old 01-13-2010, 03:01 PM   #23
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You just need your member number so the dealer can enter it. At least that's all I needed when the put mine in the system and it worked.
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Old 01-13-2010, 03:05 PM   #24
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You just need your member number so the dealer can enter it. At least that's all I needed when the put mine in the system and it worked.
Nice! Thank you! If he accepts everything, I'll be getting it for almost $5,000 under MSRP (Pref. pricing, USAA, and GM Card)
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Old 01-13-2010, 03:23 PM   #25
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Sorry I'm a total n00b, but what is the GM Card? How do you obtain it and when/how does it give you a discount? I have the same questions about the College Graduate Program (since I am myself, a college graduate).
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