Credit union · NCUA insured
Hotel & Travel Industry Federal Credit Union Auto Loan Rates
Hotel & Travel Industry Federal Credit Union auto loans start at 6.00% APR for a new vehicle and 6.75% for a used one. Rates checked October 22, 2026.
How Hotel & Travel Industry Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hotel & Travel Industry Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hotel & Travel Industry Federal Credit Union
6.00%APR
- Terms
- up to 60 months
New Auto Loans
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
Hotel & Travel Industry Federal Credit Union auto loan score
63
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew6.00%
- Used vehicleUsed6.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hotel & Travel Industry 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 Loans
Subject to qualification and based on credit history and term of loan. Up to 100% financing of invoice price or Kelly Blue Book retail value. Rate match program available.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 5.50% | Rate based on creditworthiness and term of loan. Ask about Auto Loan rate match program! |
| up to 48 months | 5.75% | Rate based on creditworthiness and term of loan. |
| up to 60 months | 6.00% | Rate based on creditworthiness and term of loan. |
| up to 72 months | 6.25% | Rate based on creditworthiness and term of loan. |
| up to 84 months | 7.50% | Rate based on creditworthiness and term of loan. |
Used Auto Loans
Subject to qualification and based on credit history and term of loan. Up to 100% financing of invoice price or Kelly Blue Book retail value. Rate match program available.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 6.25% | Rate based on creditworthiness and term of loan. Ask about Auto Loan rate match. |
| up to 48 months | 6.50% | Rate based on creditworthiness and term of loan. |
| up to 60 months | 6.75% | Rate based on creditworthiness and term of loan. |
| up to 72 months | 7.00% | Rate based on creditworthiness and term of loan. |
| up to 84 months | 8.00% | Rate based on creditworthiness and term of loan. |
Who can join Hotel & Travel Industry Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to Hawaii hotel employees.
- Membership is open to HTIFCU employees.
- Membership is open to Local 5 Union members.
Family and household
- Membership is open to family members of existing HTIFCU members.
- Membership is open to family members of Hawaii hotel employees.
- Membership is open to non-related household members of existing HTIFCU members.
2 more ways to join
Family and household
- Membership is open to non-related household members of Hawaii hotel employees.
Other ways
- Membership is open to retired Hawaii hotel employees.
Cost to join
- An opening deposit of $25 into a Share Account is required to receive full membership services and benefits (waived upfront if setting up payroll deduction or direct deposit).
Membership information collected October 4, 2026.