Is it better to apply for a loan at one of your branches or to go directly to a dealer?

It all depends on you. Getting Credit Union financing directly from a dealer can be more convenient as you only have one stop to make, the dealer is open longer hours and on weekends, etc. However, some dealers may charge you a slightly higher interest rate for this convenience. If you have the time and availability to get financing directly from your Credit Union you may, but not always, get a more favorable interest rate. More importantly, with a Credit Union "pre-approval" you can shop at several dealers, getting the best bottom line price for your new vehicle.