Credit union · NCUA insured
Hawaii Central Federal Credit Union Auto Loan Rates
Hawaii Central Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 6.00% for a used one. Rates checked October 22, 2026.
How Hawaii Central Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii Central Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hawaii Central Federal Credit Union
4.50%APR
- Terms
- up to 60 months
New Hybrid Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Hawaii Law Enforcement Federal Credit Union
4.25%APR
- Terms
- up to 84 months
Hawaii Central Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hawaii Central 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
7 year term available upon request and approval. MSRP applicable for new automobiles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | — |
| up to 48 months | 4.75% | — |
| up to 60 months | 5.00% | — |
| up to 72 months | 6.00% | — |
| up to 84 months | 6.50% | — |
Sources (2)
All captured Oct 15, 2026
New Hybrid Auto Loan
6 year terms available upon request and approval (rates listed up to 7 years). For selected energy-efficient / electric or hybrid products. Offer not available for commercial type vehicles or internal refinancing. MSRP applicable for new automobiles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | Max term is 72 months. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. |
| up to 48 months | 4.25% | Max term is 72 months. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. |
| up to 60 months | 4.50% | Max term is 72 months. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. |
| up to 72 months | 5.50% | Max term is 72 months. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. |
| up to 84 months | 6.00% | Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. |
Sources (3)
- hawaiicentral.org/personal/auto-loans
- hawaiicentral.org/auto-loan-rates
- hawaiicentral.org/rates/hybrid-auto-loan
All captured Oct 15, 2026
Used Auto
7 year term available upon request and approval. Offer not available for commercial type vehicles or internal refinancing. 6 and 7 year financing available only for automobiles priced $20,000 or more. Rate includes 0.25% interest rate discount for automatic loan payment (good at time of closing only). JD Power Values applicable for pre-owned automobiles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and subject to approval. Not available for commercial type vehicles or internal refinancing. |
| up to 48 months | 5.75% | Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and subject to approval. Not available for commercial type vehicles or internal refinancing. |
| up to 60 months | 6.00% | Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and subject to approval. Not available for commercial type vehicles or internal refinancing. |
| up to 72 months | 7.00% | 6 year financing available only for automobiles priced $20,000 or more. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and subject to approval. Not available for commercial type vehicles or internal refinancing. |
| up to 84 months | 7.50% | 7 year financing available only for automobiles priced $20,000 or more. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and subject to approval. Not available for commercial type vehicles or internal refinancing. |
Sources (3)
- hawaiicentral.org/auto-loan-rates
- hawaiicentral.org/rates/auto-loans
- hawaiicentral.org/rates/used-auto-loans
All captured Oct 15, 2026
Who can join Hawaii Central 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 available to persons who live, work, worship, or attend school in, and businesses and other legal entities located in Honolulu County (Island of Oahu), Hawaii.
Employers and groups
- Membership is open to employees of this credit union and organizations of such persons.
Family and household
- Membership is open to immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relationships) and household members of credit union employees.
Cost to join
- Opening a Regular Share (Savings) Account officially establishes membership in Hawaii Central Federal Credit Union.
Membership information collected October 4, 2026.