Credit union · NCUA insured
Garden Island FCU Auto Loan Rates
Garden Island FCU auto loans start at 6.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Garden Island FCU’s auto loan rates compare
Compared with banks and credit unions near Kapaa, HI, where Garden Island FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Garden Island FCU
6.49%APR
- Terms
- up to 96 months
- Up to
- 9.99% APR
- Discount
- None included
New Auto
Lowest rate
HawaiiUSA FCU
4.75%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Kaua'i Federal Credit Union
5.25%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
Garden Island FCU auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew6.49%
- 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 Garden Island FCU 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
Membership at Garden Island FCU is required prior to funding. All loan applications are subject to credit approval. Actual rate based on creditworthiness, loan term, and year of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49%–17.49% | Applies to New Auto and Used Auto (2 Years Old). |
| up to 72 months | 4.99%–17.49% | Applies to New Auto and Used Auto (2 Years Old). |
| up to 84 months | 5.49%–17.49% | Applies to New Auto and Used Auto (2 Years Old). |
| up to 96 months | 6.49%–9.99% | 96 months term available for New Autos with loan to value no greater than 115%. Additional conditions and restrictions apply. |
Older Used Auto (6 Years and Older)
Membership at Garden Island FCU is required prior to funding. All loan applications are subject to credit approval. Actual rate based on creditworthiness, loan term, and year of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99%–17.49% | — |
| up to 72 months | 6.49%–17.49% | 72 months term available for vehicles 6 years old only. |
Older Used Auto Equity
For autos over five years old. Uses the equity in your vehicle as collateral (requires lien-free title). Loan amount is based on vehicle value and ability to repay. Rates subject to change without notice and based on creditworthiness, loan term, and year of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.49%–15.99% | Applies to autos over five years old. |
Used Auto (3 to 5 Years Old)
Membership at Garden Island FCU is required prior to funding. All loan applications are subject to credit approval. Actual rate based on creditworthiness, loan term, and year of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99%–17.49% | — |
| up to 72 months | 5.49%–17.49% | — |
| up to 84 months | 5.99%–17.49% | 84 months term available for Used Autos 3 to 4 years old. |
Used Auto Equity
Uses the equity in your vehicle as collateral (requires lien-free title). Loan amount is based on vehicle value and ability to repay. Rates subject to change without notice and based on creditworthiness, loan term, and year of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49%–15.99% | — |
Who can join Garden Island FCU
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 any person who lives, works, worships, or attends school on Kaua'i.
Family and household
- Family members (related by blood or marriage) of any member of Garden Island FCU are eligible for membership.
Cost to join
- A $1.00 membership fee is required.
- A minimum deposit of $5.00 into a Primary Share Savings Account is required.
Membership information collected October 4, 2026.