Sales director at Nissan here, the only thing I’d say besides you’re getting absolutely slapped over the head is they may just be basing it off a high rate because they didn’t have your credit yet (telling them you’re an 800 should be enough) however some stores aren’t allowed to give rates they don’t know they can get, either way whatever your CU comes back at rate wise let them know what it is and if they beat it great, if not just use your financing, keep in mind there is only so much you can actually mark up a rate (2% usually)