Credit union · NCUA insured
Molokai Community FCU Auto Loan Rates
Molokai Community FCU auto loans start at 3.49% APR for a new vehicle and 3.99% for a used one. Rates checked October 22, 2026.
How Molokai Community FCU’s auto loan rates compare
Compared with banks and credit unions near Kahului, HI, where Molokai Community FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Molokai Community FCU
3.49%APR
- Terms
- up to 72 months
- Up to
- —
New Auto Loans
2nd-lowest rate
Lanai Federal Credit Union
3.75%APR
- Terms
- up to 60 months
- Up to
- 9.00% APR
3rd-lowest rate
Wailuku Federal Credit Union
4.25%APR
- Terms
- —
- Up to
- —
Molokai Community FCU auto loan score
98
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.49%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Molokai Community FCU 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
New car loans granted for up to 6 years with or without down payment; maximum amount of 100% of dealer invoice.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.49% | APR rate based on creditworthiness and term of loan. Up to 100% financing. |
Sources (1)
- molokaicommunityfcu.com/loans · captured Oct 7, 2026
Used Auto Loans
Used car loans made for most recent model year and last 4 previous years; granted for up to 6 years with maximum amount of 100% of Kelley Blue Book retail or appraised value up to $50,000.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99% | APR rate based on creditworthiness and term of loan. 100% financing of current Kelly Blue Book value up to $50,000.00. |
Sources (1)
- molokaicommunityfcu.com/loans · captured Oct 7, 2026
Who can join Molokai Community 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This may be incomplete or out of date, so check with the credit union before you apply.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 persons who live, work, worship, or attend school in, and businesses and other legal entities located on the Island of Molokai, Hawaii.
Employers and groups
- Membership is open to employees of this credit union and persons retired as pensioners or annuitants from such employment.
Family and household
- Membership is open to members of the immediate family or household of eligible persons.
- Membership is open to spouses of persons who died while within the field of membership of this credit union.
Other ways
- Membership is open to organizations of persons within the field of membership.
Membership information collected October 4, 2026.