Credit union · NCUA insured
Ko’olau FCU Auto Loan Rates
Ko’olau FCU auto loan rates start at 1.99% APR. Rates checked October 22, 2026.
How Ko’olau FCU’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Ko’olau FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ko’olau FCU
– –
- Terms
- —
No ongoing APR published
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
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
Collateral required: motorcycle up to 8 years old. Loan amounts up to $25,000. Terms up to 84 months. LTV based on KBB retail or dealer invoice. Fixed interest rate. No application fee or prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.00% | Rates based on 36-month term; rates also available for terms greater than 36 months. Loan amounts up to $25,000; terms up to 84 months. LTV based on KBB retail or dealer invoice. |
New Auto
Collateral required: auto less than 6 months old and less than 3,000 miles. Fixed interest rate. Electric/Hybrid vehicles receive a 0.50% reduction off the qualifying rate. Terms up to 84 months. No application fee or prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 1.99% | Rates based on 12-month term; rates also available for terms greater than 12 months. Lowest advertised rates are based on a term of 36 months or less and LTV of 120% or less based on Kelley Blue Book (KBB) valuation. Rates are higher for terms greater than 36 months. Electric/Hybrid vehicles receive a 0.50% reduction off qualifying rate. |
Used Auto (between 5 and 10 years old / 2012-2016)
Collateral required: auto between 5 and 10 years old (2012-2016). Fixed interest rate. Electric/Hybrid vehicles receive a 0.50% reduction off the qualifying rate. Terms up to 60 months. No application fee or prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 2.49% | Rates based on 12-month term; rates also available for terms greater than 12 months. Lowest advertised rates are based on a term of 36 months or less and LTV of 120% or less based on Kelley Blue Book (KBB) valuation. Rates are higher for terms greater than 36 months. Electric/Hybrid vehicles receive a 0.50% reduction off qualifying rate. |
Used Auto (up to 5 years old / 2017 or newer)
Collateral required: auto less than 5 years old (2017 or newer). Fixed interest rate. Electric/Hybrid vehicles receive a 0.50% reduction off the qualifying rate. Terms up to 84 months. No application fee or prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 2.24% | Rates based on 12-month term; rates also available for terms greater than 12 months. Lowest advertised rates are based on a term of 36 months or less and LTV of 120% or less based on Kelley Blue Book (KBB) valuation. Rates are higher for terms greater than 36 months. Electric/Hybrid vehicles receive a 0.50% reduction off qualifying rate. |
Who can join Ko’olau FCU
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 anyone who lives, works, worships or attends school in Honolulu County (the island of Oahu).
Military, government and schools
- All personnel of Marine Corps Base Hawaii, military, civilians, and their household members are eligible to join.
Family and household
- Membership is available to immediate family members of eligible members, regardless of where they live.
Membership information collected October 4, 2026.