Hawaii State FCU Auto Loan Rates

How Hawaii State FCU’s auto loan rates compare

Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii State FCU has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Hawaii State FCU
4.90%APR
Terms
up to 72 months
Discount
Included in the rate
New Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
Terms
up to 60 months
Discount
None included
PenFed Credit Union rates
2nd-lowest rate
Hawaii Law Enforcement Federal Credit Union
4.25%APR
Terms
up to 84 months
Discount
None included
Hawaii Law Enforcement Federal Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 38% of U.S. banks and credit unions

By vehicle

New vehicleNew4.90%
Used vehicleUsed5.65%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Hawaii State 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.

Motorcycle Loans

Credit Union membership required. Must be a Hawaii resident. Up to 100% financing. No penalties for pre-payment. Actual APR based on creditworthiness. Applies to new or used motorcycle models.

Terms	APR	Conditions
12–36 months	7.15%	Terms 1–3 years. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without autopay, APR will be 0.25 percentage point higher. Actual APR based on creditworthiness. Must be a Hawaii resident.
up to 48 months	7.25%	Terms 4 years. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without autopay, APR will be 0.25 percentage point higher. Actual APR based on creditworthiness. Must be a Hawaii resident.
up to 60 months	7.35%	Terms 5 years. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without autopay, APR will be 0.25 percentage point higher. Actual APR based on creditworthiness. Must be a Hawaii resident.
up to 72 months	6.40%	Terms 6 years. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without autopay, APR will be 0.25 percentage point higher. Actual APR based on creditworthiness. Must be a Hawaii resident.
12–36 months	7.90%	Terms 1–3 years. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without autopay, APR will be 0.25 percentage point higher. Actual APR based on creditworthiness. Must be a Hawaii resident.
up to 48 months	8.00%	Terms 4 years. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without autopay, APR will be 0.25 percentage point higher. Actual APR based on creditworthiness. Must be a Hawaii resident.
up to 60 months	8.10%	Terms 5 years. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without autopay, APR will be 0.25 percentage point higher. Actual APR based on creditworthiness. Must be a Hawaii resident.
up to 72 months	7.15%	Terms 6 years. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without autopay, APR will be 0.25 percentage point higher. Actual APR based on creditworthiness. Must be a Hawaii resident.

Sources (1)

hawaiistatefcu.com/personal/lo…e-loans/motorcycle-loans · captured Oct 22, 2026

New Auto Loan

Credit Union membership required. Must be a Hawaii resident. Up to 100% financing covering dealer invoice including tax, title and license. No penalties for pre-payment. Final APR depends on creditworthiness and may vary.

Terms	APR	Conditions
12–36 months	5.65%	Terms 1–3 years. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.
up to 48 months	5.75%	Terms 4 years. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.
up to 60 months	5.85%	Terms 5 years. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.
up to 72 months	4.90%	Terms 6 years. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.
up to 84 months	6.75%	Terms 7 years. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.

Sources (2)

All captured Oct 22, 2026

Used Auto Loan

Credit Union membership required. Must be a Hawaii resident. Finance a vehicle up to 7 years old. Up to 100% financing. No penalties for pre-payment. Final APR depends on creditworthiness and may vary.

Terms	APR	Conditions
12–36 months	6.40%	Terms 1–3 years. Finance a vehicle up to 7 years old. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.
up to 48 months	6.50%	Terms 4 years. Finance a vehicle up to 7 years old. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.
up to 60 months	6.60%	Terms 5 years. Finance a vehicle up to 7 years old. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.
up to 72 months	5.65%	Terms 6 years. Finance a vehicle up to 7 years old. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.
up to 84 months	7.50%	Terms 7 years. Finance a vehicle up to 7 years old. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.

Sources (1)

hawaiistatefcu.com/personal/lo…/vehicle-loans/auto-loan · captured Oct 22, 2026

Who can join Hawaii State FCU

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

Hawaii residents who are employees or members of an enrolled Select Business Partner located in the State of Hawaii are eligible to join.

Military, government and schools

Hawaii residents who are active or retired employees of The State of Hawaii, City and County of Honolulu, Maui County, or Hawaii State FCU are eligible to join.

Family and household

Hawaii residents who are immediate family members (including spouses, parents, grandparents, children, siblings) or household members of current members, as well as spouses of persons who died while within the field of membership, are eligible to join.

Other ways

Hawaii residents who make a donation to either Friends of the Library Hawaii or The Friends of Iolani Palace are eligible for membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

← Hawaii State FCU overview