Credit union · NCUA insured
Honolulu Federal Credit Union (HOCU) Auto Loan Rates
Top CarrotHonolulu Federal Credit Union (HOCU) auto loans start at 4.50% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How Honolulu Federal Credit Union (HOCU)’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Honolulu Federal Credit Union (HOCU) has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Honolulu Federal Credit Union (HOCU)
4.50%APR
- Terms
- up to 60 months
Green New Car
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
Honolulu Federal Credit Union (HOCU) auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.50%
- 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 Honolulu Federal Credit Union (HOCU) 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.
Green New Car
HOCU membership required. Rates 'as low as' based on creditworthiness; actual rates may differ based on credit score. Vehicle must be licensed and registered in the State of Hawaii. New car must be an electric or hybrid vehicle powered by alternative fuels. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50% | New car must be an electric or hybrid vehicle powered by alternative fuels. No maximum loan amount. |
| up to 72 months | 4.75% | New car must be an electric or hybrid vehicle powered by alternative fuels. No maximum loan amount. |
| up to 84 months | 6.00% | New car must be an electric or hybrid vehicle powered by alternative fuels. No maximum loan amount. |
Sources (1)
- myhocu.com/rates · captured Oct 22, 2026
New Auto Loans
HOCU membership required. Rates 'as low as' based on creditworthiness; actual rates may differ based on credit score. Vehicle must be licensed and registered in the State of Hawaii. Financing up to 100% of purchase price (or up to 120% of invoice or MSRP, whichever is less). No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25% | Up to 120% of invoice or MSRP (whichever is less). No maximum loan amount. |
| up to 48 months | 4.50% | Up to 120% of invoice or MSRP (whichever is less). No maximum loan amount. |
| up to 60 months | 4.75% | Up to 120% of invoice or MSRP (whichever is less). No maximum loan amount. |
| up to 72 months | 5.00% | Up to 120% of invoice or MSRP (whichever is less). No maximum loan amount. |
| up to 84 months | 6.25% | Up to 120% of invoice or MSRP (whichever is less). No maximum loan amount. |
Used Auto Loans
HOCU membership required. Rates 'as low as' based on creditworthiness; actual rates may differ based on credit score. Vehicle must be licensed and registered in the State of Hawaii. Up to 100% financing (or up to 120% of Kelley Blue Book Retail) for vehicles up to 9 years old. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | Up to 120% of Kelly Blue Book – Retail. Maximum age of used vehicle is 9 years old. No maximum loan amount. |
| up to 48 months | 5.00% | Up to 120% of Kelly Blue Book – Retail. Maximum age of used vehicle is 9 years old. No maximum loan amount. |
| up to 60 months | 5.25% | Up to 120% of Kelly Blue Book – Retail. Maximum age of used vehicle is 9 years old. No maximum loan amount. |
| up to 72 months | 6.00% | Up to 120% of Kelly Blue Book – Retail. Maximum age of used vehicle is 9 years old. No maximum loan amount. |
Who can join Honolulu Federal Credit Union (HOCU)
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.