Credit union · NCUA insured
Gather Federal Credit Union Auto Loan Rates
Gather Federal Credit Union auto loans start at 6.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Gather Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kapaa, HI, where Gather Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Gather Federal Credit Union
6.25%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
- Discount
- None included
Auto Loans
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
Gather Federal Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gather 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.
Auto Loans
Financing available for new and used vehicles with up to 100% financing. CUDL on-site dealership financing, GAP insurance, and extended warranties available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.75%–17.99% | New & Used - 100% Financing. 5-year term. Actual rates are based on credit rating, loan term, and the model year of vehicle financed. Terms shorter than 5 years are also available upon request. |
| up to 72 months | 5.99%–17.99% | New & Used - 100% Financing. 6-year term available for loans exceeding $20,000.00. Actual rates are based on credit rating, loan term, and the model year of vehicle financed. |
| up to 84 months | 6.25%–17.99% | New & Used - 100% Financing. 7-year term available for loans exceeding $30,000.00 on new autos only. Actual rates are based on credit rating, loan term, and the model year of vehicle financed. |
Sources (3)
All captured Oct 3, 2026
Who can join Gather 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, attends school, or operates a business on the islands of Kauai or Niʻihau.
Cost to join
- A minimum deposit of $5 into a Share Savings account is required to join.
- A one-time membership fee of $1 is required to join.
Membership information collected October 4, 2026.