Credit union · NCUA insured
Hawaiian Financial Federal Credit Union Auto Loan Rates
Top CarrotHawaiian Financial Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Hawaiian Financial Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaiian Financial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hawaiian Financial Federal Credit Union
4.75%APR
- Terms
- up to 60 months
New Auto Loan
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 Financial Federal Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hawaiian Financial Federal Credit Union 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
HIFICU membership required. Loans subject to qualifications and credit approval. Effective 8/1/2026 - 10/31/2026. Credit score for best auto loan rate 720-850.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | Rate includes 0.25% discount for electric and hybrid vehicles; regular rate without discount is 4.75%. Best rate for credit score 720-850. |
| up to 48 months | 4.50% | Rate discounted from 5.00%. Additional 0.25% discount available for hybrid/electric vehicles. Best rate for credit score 720-850. |
| up to 60 months | 4.75% | Rate discounted from 5.25%. Additional 0.25% discount available for hybrid/electric vehicles. Best rate for credit score 720-850. |
| up to 72 months | 5.25% | Rate discounted from 5.75%. Additional 0.25% discount available for hybrid/electric vehicles. Best rate for credit score 720-850. |
| up to 84 months | 6.50% | Rate discounted from 7.00%. Additional 0.25% discount available for hybrid/electric vehicles. Best rate for credit score 720-850. |
Sources (1)
- hificu.com/loans/loans/auto-loan · captured Oct 3, 2026
Non-purchased Used Auto Loan
Maximum age of the automobile must be 6 years old to finance. HIFICU membership required. Loans subject to qualifications and approval. Effective 8/1/2026 - 10/31/2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.50% | — |
| up to 48 months | 8.75% | — |
| up to 60 months | 9.75% | — |
Sources (1)
- hificu.com/loans/loans/auto-loan · captured Oct 3, 2026
Used Auto Loan
Maximum age of the automobile must be 6 years old to finance. HIFICU membership required. Loans subject to qualifications and approval. Effective 8/1/2026 - 10/31/2026. Credit score for best auto loan rate 720-850.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | Rate discounted from 5.50%. Additional 0.25% discount available for hybrid/electric vehicles. Best rate for credit score 720-850. |
| up to 48 months | 5.25% | Rate discounted from 5.75%. Additional 0.25% discount available for hybrid/electric vehicles. Best rate for credit score 720-850. |
| up to 60 months | 5.50% | Rate discounted from 6.00%. Additional 0.25% discount available for hybrid/electric vehicles. Best rate for credit score 720-850. |
| up to 72 months | 5.75% | Rate discounted from 6.25%. Additional 0.25% discount available for hybrid/electric vehicles. Best rate for credit score 720-850. |
| up to 84 months | 7.00% | Rate discounted from 7.50%. Additional 0.25% discount available for hybrid/electric vehicles. Best rate for credit score 720-850. |
Sources (1)
- hificu.com/loans/loans/auto-loan · captured Oct 3, 2026
Who can join Hawaiian Financial Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.