Credit union · NCUA insured
HawaiiUSA FCU Auto Loan Rates
HawaiiUSA FCU auto loans start at 4.75% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How HawaiiUSA FCU’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where HawaiiUSA FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HawaiiUSA FCU
4.75%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Hawaii Law Enforcement Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Discount
- None included
HawaiiUSA FCU auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HawaiiUSA 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
Financing available up to 125% of MSRP based on credit score. Vehicle is considered new as long as title has never been issued to any other owner. Maximum interest rate is 18.00% APR. 84 month term available for loans $20,000.00 or higher for qualified borrowers. Includes 0.25% discount with automatic transfer from share draft, share account with ACH payroll deposit or payroll deduction. New Auto Loans for an EV or Hybrid vehicle are eligible for a 0.25% discount. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | As low as rate reflective of all eligible discounts, including 0.25% discount with automatic transfer from share draft/share account with ACH payroll deposit or payroll deduction. Up to 36 months. |
| up to 48 months | 4.25% | As low as rate reflective of all eligible discounts, including 0.25% discount with automatic transfer from share draft/share account with ACH payroll deposit or payroll deduction. Up to 48 months. |
| up to 60 months | 4.75% | As low as rate reflective of all eligible discounts, including 0.25% discount with automatic transfer from share draft/share account with ACH payroll deposit or payroll deduction. Up to 60 months. |
| up to 72 months | 5.25% | As low as rate reflective of all eligible discounts, including 0.25% discount with automatic transfer from share draft/share account with ACH payroll deposit or payroll deduction. Up to 72 months. |
| up to 84 months | 5.75% | As low as rate reflective of all eligible discounts, including 0.25% discount with automatic transfer from share draft/share account with ACH payroll deposit or payroll deduction. 84 month term available for loans $20,000.00 or higher for qualified borrowers. Up to 84 months. |
Used Auto Loans
Financing available up to 115% of Kelley Blue Book retail value based on credit score. Can be used for purchasing a used vehicle or refinancing an existing auto loan. Maximum interest rate is 18.00% APR. Salvage and rebuilt title vehicles do not qualify. Includes 0.25% discount with automatic transfer from share draft, share account with ACH payroll deposit or payroll deduction. Used Auto Loans for an EV or Hybrid vehicle are eligible for a 0.25% discount. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25% | As low as rate reflective of all eligible discounts, including 0.25% discount with automatic transfer from share draft/share account with ACH payroll deposit or payroll deduction. Up to 36 months. |
| up to 48 months | 4.75% | As low as rate reflective of all eligible discounts, including 0.25% discount with automatic transfer from share draft/share account with ACH payroll deposit or payroll deduction. Up to 48 months. |
| up to 60 months | 5.25% | As low as rate reflective of all eligible discounts, including 0.25% discount with automatic transfer from share draft/share account with ACH payroll deposit or payroll deduction. Up to 60 months. |
| up to 72 months | 5.75% | As low as rate reflective of all eligible discounts, including 0.25% discount with automatic transfer from share draft/share account with ACH payroll deposit or payroll deduction. Up to 72 months. |
Who can join HawaiiUSA FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to individuals affiliated with any of the credit union's 10,000+ Select Employee Groups (SEGs).
Military, government and schools
- Eligibility is open to individuals (or members of their family or household) who are employees, retirees, students, or student parents in a majority of Hawaii pre-K through 12th grade schools.
Family and household
- Eligibility is open to immediate family members of existing HawaiiUSA members.
Membership information collected October 4, 2026.