Credit union · NCUA insured
Hawaiian Electric Employees FCU Auto Loan Rates
Hawaiian Electric Employees FCU auto loans start at 4.50% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Hawaiian Electric Employees FCU’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaiian Electric Employees FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hawaiian Electric Employees FCU
4.50%APR
- Terms
- up to 60 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
Hawaiian Electric Employees FCU auto loan score
87
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hawaiian Electric 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 Loans
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 4.20% | Special: 2 & 3 Years |
| up to 48 months | 4.25% | Special: 4 Years |
| up to 60 months | 4.50% | Special: 5 Years |
| up to 72 months | 5.00% | — |
| up to 84 months | 5.50% | — |
Used Auto Loans
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 4.70% | Special: 2 & 3 Years |
| up to 48 months | 4.75% | Special: 4 Years |
| up to 60 months | 5.00% | Special: 5 Years |
| up to 72 months | 6.00% | Special: 6 Years |
Who can join Hawaiian Electric Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active and retired employees of Hawaiian Electric Company (HECO) are eligible for membership.
- Active and retired employees of Hawaiian Electric Industries (HEI) are eligible for membership.
- Active and retired members and employees of IBEW Local 1260 are eligible for membership.
- Active and retired employees of Maui Electric Company Limited (MECO) are eligible for membership.
- Active and retired Hawaiian Electric Employees Federal Credit Union staff are eligible for membership.
Family and household
- Immediate family and household members of active and retired employees and members of qualifying sponsor organizations are eligible for membership.
Membership information collected October 4, 2026.