'01 Toyota TRD PreRunner Xtra cab

I'm just a little nervous, since this will be my first new vehicle. I am joining a credit union this week, what can I expect? How are the prices set? I am mainly curious to know if there is some headroom for haggling, since I know down to the dollar how much the options I want are. Who has had experience dealing with buying through their credit union's financing department vs. the dealer's financing power? Any advice is appreciated, thanks!
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USE A CREDIT UNION! It is a lot easier to get preapproved, makes negotiations easier.
GOOD LUCK!
human_guise -
Check out the post I put in the Tacoma Xtra Cab V6 section. Should help you a bit.
John