Credit union · NCUA insured
Honolulu Fire Department Federal Credit Union Auto Loan Rates
Honolulu Fire Department Federal Credit Union auto loans start at 5.15% APR for a new vehicle. Rates checked October 22, 2026.
How Honolulu Fire Department Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Honolulu Fire Department Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Honolulu Fire Department Federal Credit Union
5.15%APR
- Terms
- up to 60 months
Vehicle Loan (New)
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 Fire Department Federal Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Honolulu Fire Department 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.
Motorcycle Loan (New or Used)
Rate shown for best credit with term indicated; rate may be higher without automatic payment and direct deposit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.00% | 3-Year Term, As Low As. Rate shown for best credit with term indicated; may be higher without automatic payment and direct deposit. |
Sources (1)
- hfdfcu.org/loans/auto-and-motorcycle · captured Oct 15, 2026
Vehicle Loan (New)
Rate shown for best credit with term indicated; rate may be higher without automatic payment and direct deposit. Exclusive rate discounts up to 0.85% for active and retired firefighters and first responders.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | 3-Year Term, As Low As. Rate shown for best credit with term indicated; may be higher without automatic payment and direct deposit. |
| up to 60 months | 5.15% | Drive Your Next Adventure New Vehicles Only. With a new auto loan, you will receive two HFDFCU license plate holders. Rates as low as 5.15% for 60 months. |
Vehicle Loan (Used)
Rate shown for best credit with term indicated; rate may be higher without automatic payment and direct deposit. Exclusive rate discounts up to 0.85% for active and retired firefighters and first responders.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.25% | 3-Year Term, As Low As. Rate shown for best credit with term indicated; may be higher without automatic payment and direct deposit. |
Sources (1)
- hfdfcu.org/loans/auto-and-motorcycle · captured Oct 15, 2026
Who can join Honolulu Fire Department Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active or retired members of the Hawaii Fire Fighters Association (HFFA), Local No. 1463 are eligible to join.
- Members of The Friends of Iolani Palace are eligible to join.
- Members of the United Union of Roofers, Waterproofers & Allied Workers, Local 221 are eligible to join.
Military, government and schools
- Active or retired members of the Federal Fire Fighters of Hawaii (FFD), Local F-263 are eligible to join.
- Active or retired Honolulu Fire Department employees are eligible to join.
- Active or retired Honolulu Fire Department firefighters are eligible to join.
5 more ways to join
Military, government and schools
- Employees of and students attending Ho’omau Fire Academy are eligible to join.
Family and household
- Immediate family members (current spouse, children and grandchildren, parents and grandparents, siblings) of any individual eligible through the 7 qualifying affiliations are eligible to join.
- Immediate family members (current spouse, children and grandchildren, parents and grandparents, siblings) of any current HFDFCU member are eligible to join.
- Household members living in the same residential household as any individual eligible through the 7 qualifying affiliations are eligible to join.
- Household members living in the same residential household as any current HFDFCU member are eligible to join.
Membership information collected October 4, 2026.