While waiting for the wife's car to arrive I'm trying to see if we can save any more money, here is what the dealer told us:
We can get $2000 in rebates plus our $500 private offer.
Can also get an additional $500 off the price of the car if we finanance through Ford Motor credit at 5.99%, or get 0% interest if we don't take the Ford Motor Credit $500.
I can get 2.99% through my bank or credit union but since we are only looking to finance 10K for 24mo it still looks like I'll save more taking the $500 off and the 5.99% rate.
Not sure if they would give us a lower rate if we financed for 36mo.
Take the $500 fin offer from Ford. Do one payment then refinance using your credit union. Boom best of both worlds.