Credit union · NCUA insured
Hawaii Schools FCU Auto Loan Rates
Hawaii Schools FCU auto loan rates start at 3.65% APR. Rates checked October 22, 2026.
How Hawaii Schools FCU’s auto loan rates compare
Compared with banks and credit unions in Hawaii, where Hawaii Schools FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hawaii Schools FCU
– –
- Terms
- —
- Up to
- —
No ongoing APR published
Lowest rate
Molokai Community FCU
3.49%APR
- Terms
- up to 72 months
- Up to
- —
2nd-lowest rate
Lanai Federal Credit Union
3.75%APR
- Terms
- up to 60 months
- Up to
- 9.00% APR
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 Vehicle Loan
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.65% | Lowest available rate for a 3-year term loan including the maximum discount available under the MemberRewards Program; rates vary up to 18.00% APR based on credit standing; maximum loan amount is based on vehicle value. |
Sources (3)
All captured Oct 3, 2026
Used Vehicle Loan
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.65% | Lowest available rate for a 3-year term loan including the maximum discount available under the MemberRewards Program; rates vary up to 18.00% APR based on credit standing; maximum loan amount is based on vehicle value. |
Sources (3)
All captured Oct 3, 2026
Who can join Hawaii Schools FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Any employee or retiree of the Hawaii Federation of Teachers.
- Any employee or retiree of the Hawaii State Teachers Association (HSTA).
- Any employee or retiree of the National Education Association.
Military, government and schools
- Any member of the State of Hawaii's Board of Education.
- Any employee or retiree of the State of Hawaii's Department of Education.
- Any student or participant of any school, program, or facility operated by the State of Hawaii's Department of Education, including all public and public charter schools (K-12).
2 more ways to join
Military, government and schools
- Any student or participant of any education and activity program conducted on public school campuses, such as the A+ after school program and after school language programs.
Family and household
- Immediate family members (parent, grandparent, spouse, sibling, child, grandchild) or household members of any qualifying individual.
Membership information collected October 4, 2026.