Credit union · NCUA insured
Hawaii FCU Auto Loan Rates
Hawaii FCU auto loans start at 4.99% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Hawaii FCU’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hawaii FCU
4.99%APR
- Terms
- up to 72 months
New Auto Loans
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 FCU auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hawaii 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 Loans
Credit approval and membership eligibility required. Rates subject to change without notice. Final rate based on credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Terms up to 72 months. Rate is as low as. Credit approval and membership eligibility required. Final rate based on credit score. |
| up to 84 months | 5.75% | Terms up to 84 months. Rate is as low as. Credit approval and membership eligibility required. Final rate based on credit score. |
Used Auto Loans
Six months old and older. Credit approval and membership eligibility required. Rates subject to change without notice. Final rate based on credit score.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.74% | Six months old and older. Rate is as low as. Credit approval and membership eligibility required. Final rate based on credit score. |
Who can join Hawaii 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, or attends school on the island of O’ahu.
Employers and groups
- Membership is open to individuals who participate in associations headquartered on O’ahu.
- Membership is open to employees of Hawaii FCU.
- Membership is open to incorporated and unincorporated organizations located on, or maintaining a facility on O’ahu.
- Membership is open to organizations of eligible persons.
Family and household
- Membership is open to immediate families and households of eligible persons.
4 more ways to join
Family and household
- Membership is open to spouses of persons who died while within the field of membership.
Other ways
- Membership is open to volunteers in the community.
- Membership is open to individuals who participate in programs to alleviate poverty or distress located on O’ahu.
- Membership is open to existing Hawaii FCU members of record on March 27, 2009.
Cost to join
- Members must open a Savings Account and maintain a minimum balance of $30.
Membership information collected October 4, 2026.