Credit union · NCUA insured
CU Hawaii Federal Credit Union Auto Loan Rates
Top CarrotCU Hawaii Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How CU Hawaii Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hilo, HI, where CU Hawaii Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CU Hawaii Federal Credit Union
4.49%APR
- Terms
- up to 84 months
New Auto
2nd-lowest rate
Hawaii County Employees FCU
4.50%APR
- Terms
- up to 60 months
3rd-lowest rate
Hawaii First FCU
4.50%APR
- Terms
- —
CU Hawaii Federal Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CU Hawaii Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto
Credit union membership is required. Flexible repayment terms up to 7 years (84 months). No prepayment penalty. Rate determined by applicant's score. Pre-approval available. Incentive/cash back terms may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49% | As low as 4.49% APR. Flexible repayment terms up to 7 years (84 months). APR determined by applicant's score. No prepayment penalty. |
Sources (2)
All captured Oct 3, 2026
Used Auto
Credit union membership is required. Flexible repayment terms up to 6 years (72 months). No prepayment penalty. Rate determined by applicant's score. Pre-approval available. Incentive/cash back terms may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | As low as 4.99% APR. Flexible repayment terms up to 6 years (72 months). APR determined by applicant's score. No prepayment penalty. |
Sources (2)
All captured Oct 3, 2026
Who can join CU Hawaii Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons living or working on the Island of Hawai`i.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered on the Island of Hawai`i.
- Membership is open to persons participating in programs to alleviate poverty or distress located on the Island of Hawai`i.
Employers and groups
- Membership is open to incorporated and unincorporated organizations on the Island of Hawai`i or those maintaining a facility located on the Island of Hawai`i.
Family and household
- Membership is open to any immediate family member (including spouse, parents, sisters, brothers, and children, whether living in the same household or not) of a CU Hawaii member.
Cost to join
- Joining requires an opening deposit of $50 into a savings account.
- Joining requires a $1 membership fee.
Membership information collected October 4, 2026.