[Rick Lee]

While USAA has been very good to me for other things, every time they've offered me a car loan or a mortgage, I've had no problem finding a far better deal somewhere else. My credit union is great for car loans, but not for mortgages. If you're only shopping for rate and know exactly what kind of loan program you want, it should be pretty easy to just call a bunch of places on the same day and lock in when you find the best one.