Credit union · NCUA insured
Signia Federal Credit Union Auto Loan Rates
Signia Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 6.25% for a used one. Rates checked October 22, 2026.
How Signia Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Signia Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Signia Federal Credit Union
5.25%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Hawaii Law Enforcement Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Discount
- None included
Signia Federal Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Signia 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 Loan
Up to 100% financing available. Low, fixed rates. No prepayment penalties. Terms up to 84 months for new autos. Rates include 25 basis point reduction for automatic payment. Rate based on creditworthiness and term of loan. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.25% | Up to 48 months. Rate includes 25 basis point reduction for automatic payment. |
| up to 60 months | 5.25% | 60 months. Rate includes 25 basis point reduction for automatic payment. |
| up to 72 months | 5.75% | 72 months. Rate includes 25 basis point reduction for automatic payment. |
| up to 84 months | 6.25% | 84 months. Rate includes 25 basis point reduction for automatic payment. |
Sources (1)
- signiacu.org/auto-loans · captured Oct 3, 2026
Older Used Auto Loan (7 years & older)
For vehicles 7 years and older. Up to 100% financing available. Low, fixed rates. No prepayment penalties. Rates include 25 basis point reduction for automatic payment. Rate based on creditworthiness and term of loan. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.75% | 48 months. Rate includes 25 basis point reduction for automatic payment. |
Sources (1)
- signiacu.org/auto-loans · captured Oct 3, 2026
Used Auto Loan (Based on Kelly Blue Book Value)
Up to 100% financing available. Low, fixed rates. No prepayment penalties. Terms up to 72 months for used autos. Rates include 25 basis point reduction for automatic payment. Rate based on creditworthiness and term of loan. Subject to credit approval. Based on Kelly Blue Book Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Up to 36 months. Rate includes 25 basis point reduction for automatic payment. |
| up to 48 months | 5.75% | 48 months. Rate includes 25 basis point reduction for automatic payment. |
| up to 60 months | 6.25% | 60 months. Rate includes 25 basis point reduction for automatic payment. |
| up to 72 months | 6.75% | 72 months. Rate includes 25 basis point reduction for automatic payment. |
Sources (1)
- signiacu.org/auto-loans · captured Oct 3, 2026
Who can join Signia 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
- Individuals who live, worship, work, or attend school on Oahu are eligible for membership.
Employers and groups
- Organizations of persons who live, worship, work, or attend school on Oahu are eligible for membership.
Military, government and schools
- Active-duty members, reservists, veterans, retirees, or dependents of members of the U.S. Armed Forces or National Guard residing or working on Oahu are eligible for membership.
Family and household
- Immediate family or household members of someone who lives, worships, works, or attends school on Oahu are eligible for membership.
Membership information collected October 4, 2026.