Credit union · NCUA insured
HFS Federal Credit Union Auto Loan Rates
HFS Federal Credit Union auto loans start at 5.00% APR for a new vehicle. Rates checked October 22, 2026.
How HFS Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hilo, HI, where HFS Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HFS Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
CU Hawaii Federal Credit Union
4.49%APR
- Terms
- up to 84 months
- Discount
- None included
2nd-lowest rate
Hawaii County Employees FCU
4.50%APR
- Terms
- up to 60 months
- Discount
- None included
HFS Federal Credit Union auto loan score
70
Auto loan score
Higher than 26% of U.S. banks and credit unions
- New vehicleNew5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HFS 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
Membership required (open to those who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii; $50 minimum opening balance for Savings Account). Out-of-state vehicle purchases are ineligible. Financing available for new vehicles and refinancing. 0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction; additional 0.25% discount for a 20% down payment. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00% | Advertised 5.00% APR for 60 months. Footnote indicates rate is derived by discounting 6.00% APR with a 0.25% discount for automatic payments and a 0.25% discount for a 20% down payment (footnote text references 5.50% APR / 5.00% APR). Monthly payments at 5.50% APR for 60 months are $575.49 per $30,000 borrowed. Actual rates depend on credit history and loan terms. |
Sources (1)
- hfsfcu.org/auto-loans · captured Oct 22, 2026
Who can join HFS Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live on the island of Hawai‘i.
Employers and groups
- Membership is open to employees of HFS Federal Credit Union.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer service, or participate in associations headquartered on the island of Hawai‘i.
Family and household
- Membership is open to members of the immediate families (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsiblings, and adoptive relationships) or households of eligible persons, and organizations of such persons.
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Other ways
- Membership is open to incorporated and unincorporated organizations located on the island of Hawai‘i, or maintaining a facility on the island of Hawai‘i.
1 more way to join
Other ways
- Membership is open to persons participating in programs to alleviate poverty or distress which are located on the island of Hawai‘i.
Cost to join
- A minimum opening deposit balance of $50.00 is required to open a Savings Account to establish membership.
Membership information collected October 4, 2026.