Planning to buy a new car.

Planning to buy a new car. I hear people say go to a credit union or bank to finance the car. I am looking around and some banks are charging 4.99% on an auto loan. I see dealerships advertise 1.9-2.9% if you finance with them. So what would be the right choice? My loan range would be around 30-40k. So what is the best choice to do this?
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