Credit union · NCUA insured
Hawaii County Employees FCU Auto Loan Rates
Top CarrotHawaii County Employees FCU auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How Hawaii County Employees FCU’s auto loan rates compare
Compared with banks and credit unions near Hilo, HI, where Hawaii County Employees FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hawaii County Employees FCU
4.50%APR
- Terms
- up to 60 months
New Auto Loan
Lowest rate
CU Hawaii Federal Credit Union
4.49%APR
- Terms
- up to 84 months
3rd-lowest rate
Hawaii First FCU
4.50%APR
- Terms
- —
Hawaii County Employees FCU auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hawaii County Employees 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 Loan
100% Financing. New auto loan rate if it is a current-year model and has less than 5,000 miles. Model year plus loan term shall not be greater than 10 years. Loans must be disbursed not later than 1 month from date of approval. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50% | Up to 5 Years (60 months). 100% financing. |
| up to 72 months | 5.25% | Up to 6 Years (72 months). 100% financing. |
| up to 84 months | 6.50% | Up to 7 Years (84 months). 100% financing. |
Used Auto Loan
Finance based on Low Blue Book value. Model year plus loan term shall not be greater than 10 years. Loans must be disbursed not later than 1 month from date of approval. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.00% | Up to 4 Years (48 months). Finance Low Blue Book. |
| up to 60 months | 4.50% | Up to 5 Years (60 months). Finance Low Blue Book. |
| up to 72 months | 5.25% | Up to 6 Years (72 months). Finance Low Blue Book. |
Who can join Hawaii County Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Hawaii Government Employees Association or the United Public Workers Association who work in Hilo, Hawaii are eligible for membership.
Military, government and schools
- Persons employed under the Comprehensive Employment and Training Act who work for the County of Hawaii on the island of Hawaii are eligible for membership.
- Registered volunteers of the County of Hawaii who work at County of Hawaii facilities on the island of Hawaii under the supervision of County of Hawaii employees are eligible for membership.
- Hawaii County employees working on the island of Hawaii are eligible for membership.
Family and household
- Family members of eligible employees, CETA workers, and registered volunteers are eligible for membership.
Membership information collected October 4, 2026.