Please share your CU. That is a great rateGood article, thanks for the link.
I appreciate Ford's attempt to curb the markups, but it's pretty feeble. They've got more powerful tools at their disposal, if they really wanted to put the foot down. (For example, Subaru was successful in "persuading" their dealers to enter sale orders at MSRP). As the article suggested, the FMC program announcement is more of a shoutout to customers to exercise their common sense and not to pay crazy sh** prices that dealers will undoubtedly conjure up. This isn't going to stop a bunch of people of plunking down the cash (esp those who've got tons of it) and dealers from pocketing it up. For the rest of us, there is no choice, but to wait them out. I for one, can get about 2% APR for 72 month from my CU - which alone would come out to $75 less per monthly payment, or $5400 over the life of the loan (assuming 55K loan for 72 month and using 4.9% for comparison).