Credit union · NCUA insured
Lōkahi Federal Credit Union Auto Loan Rates
Lōkahi Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Lōkahi Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Lōkahi Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lōkahi Federal Credit Union
4.75%APR
- Terms
- up to 60 months
New Auto
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
Lōkahi Federal Credit Union auto loan score
82
Auto loan score
Higher than 59% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lōkahi 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
Lokahi FCU membership is required. Automatic Payment through a Lokahi FCU Savings or Checking Account required. All loans subject to credit approval. Financing up to 140% of MSRP (including taxes, license, GAP, extended warranty, and other add-ons). No down payment required. Rates disclosed are based on a 36-month term with a down payment of 20% or more; higher rates may apply depending on term, collateral, and credit performance. Skip-A-Pay available once per year. Eco Auto Loans for electric or hybrid vehicles will be awarded 0.50% discount from published rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | Term up to 3 years. Best rate available based on a 36-month term for a New Auto with a down payment of 20% or more. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 48 months | 4.50% | Term up to 4 years. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 60 months | 4.75% | Term up to 5 years. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 72 months | 5.00% | Term up to 6 years ($15,000+). Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 84 months | 5.75% | Term up to 7 years ($20,000+). Higher rates may apply depending on loan term, collateral, and member's credit performance. |
Sources (2)
All captured Oct 3, 2026
New Motorcycle
Lokahi FCU membership is required. Automatic Payment through a Lokahi FCU Savings or Checking Account required. All loans subject to credit approval. Proper licensing and insurance must be maintained. Maximum loan amounts are based on 100% MSRP for New Motorcycle Loans which may include tax, license, GAP, extended warranty or other related add-ons. APR disclosed is the best rate available based on a 36-month term. Higher rates may apply depending on loan term, collateral, and member's credit performance.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.75% | Term up to 2 years. Best rate available based on a 36-month term. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 36 months | 6.75% | Term up to 3 years. Best rate available based on a 36-month term. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 48 months | 7.25% | Term up to 4 years. Best rate available based on a 36-month term. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 60 months | 7.50% | Term up to 5 years ($15,000+). Best rate available based on a 36-month term. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
Sources (1)
- lokahifcu.com/learn/credit-union-information/loan-rates · captured Oct 3, 2026
Used Auto
Lokahi FCU membership is required. Automatic Payment through a Lokahi FCU Savings or Checking Account required. All loans subject to credit approval. Financing up to 120% of Kelley Blue Book Retail Value (including taxes, license, GAP, and other add-ons). Rates disclosed are based on a 36-month term with a down payment of 20% or more; higher rates may apply depending on term, collateral, and credit performance. Skip-A-Pay available once per year. Eco Auto Loans for electric or hybrid vehicles will be awarded 0.50% discount from published rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | Term up to 3 years. Best rate available based on a 36-month term for a Used Auto with a down payment of 20% or more. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 48 months | 5.50% | Term up to 4 years. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 60 months | 5.75% | Term up to 5 years. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 72 months | 5.75% | Term up to 6 years ($15,000+). Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 84 months | 6.50% | Term up to 7 years ($20,000+). Higher rates may apply depending on loan term, collateral, and member's credit performance. |
Sources (2)
All captured Oct 3, 2026
Used Motorcycle
Lokahi FCU membership is required. Automatic Payment through a Lokahi FCU Savings or Checking Account required. All loans subject to credit approval. Proper licensing and insurance must be maintained. Maximum loan amounts are based on 100% Kelley Blue Book Retail Value for Used Motorcycle Loans which may include tax, license, GAP, extended warranty or other related add-ons. APR disclosed is the best rate available based on a 36-month term. Higher rates may apply depending on loan term, collateral, and member's credit performance.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.25% | Term up to 2 years. Best rate available based on a 36-month term. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 36 months | 7.25% | Term up to 3 years. Best rate available based on a 36-month term. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 48 months | 7.75% | Term up to 4 years. Best rate available based on a 36-month term. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
| up to 60 months | 8.00% | Term up to 5 years ($15,000+). Best rate available based on a 36-month term. Higher rates may apply depending on loan term, collateral, and member's credit performance. |
Sources (1)
- lokahifcu.com/learn/credit-union-information/loan-rates · captured Oct 3, 2026
Who can join Lōkahi 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
- Anyone who lives, works, worships, or attends school in the City and County of Honolulu (Island of Oahu), Hawaii is eligible for membership.
Employers and groups
- Employees of Lōkahi FCU are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild, including step and adoptive relationships) and household members (persons living in the same residence maintaining a single economic unit) are eligible for membership.
- Spouses of persons who died while within the field of membership of Lōkahi FCU are eligible for membership.
Membership information collected October 4, 2026.