Credit union · NCUA insured
HELCO Federal Credit Union Auto Loan Rates
HELCO Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 6.00% for a used one. Rates checked October 22, 2026.
How HELCO Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hilo, HI, where HELCO Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HELCO Federal Credit Union
4.50%APR
- Terms
- up to 96 months
New Auto Loan
Lowest rate
CU Hawaii Federal Credit Union
4.49%APR
- Terms
- up to 84 months
2nd-lowest rate
Hawaii County Employees FCU
4.50%APR
- Terms
- up to 60 months
HELCO Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HELCO 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
No Refinancing of current HELCO FCU loans. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications, and collateral conditions. Members must qualify under HELCO FCU's membership and lending guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 4.50% | Promotional rate. Actual APR will be based on loan terms. No Refinancing of current HELCO FCU loans. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications, and collateral conditions. Members must qualify under HELCO FCU's membership and lending guidelines. |
One more rate on its site comes from an older rate sheet (2022) and isn’t shown as current.
Sources (1)
- helcofcu.org/2026WebsiteLoanSpecials.pdf · captured Oct 7, 2026
Used Auto Loan
No Refinancing of current HELCO FCU loans. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications, and collateral conditions. Members must qualify under HELCO FCU's membership and lending guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.00% | Promotional rate. Actual APR will be based on loan terms. No Refinancing of current HELCO FCU loans. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications, and collateral conditions. Members must qualify under HELCO FCU's membership and lending guidelines. |
One more rate on its site comes from an older rate sheet (2022) and isn’t shown as current.
Sources (1)
- helcofcu.org/2026WebsiteLoanSpecials.pdf · captured Oct 7, 2026
Who can join HELCO Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.