Credit union · NCUA insured
UHFCU Auto Loan Rates
Top CarrotUHFCU auto loans start at 5.25% APR for a new vehicle and 6.00% for a used one. Rates checked October 3, 2026.
How UHFCU’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where UHFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UHFCU
5.25%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto/Truck
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
UHFCU auto loan score
68
Auto loan score
Higher than 20% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UHFCU 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/Truck
Up to 125% financing of MSRP or NADA retail value. Maximum loan amount: $150,000. Great terms – 12 to 84 months. No pre-payment penalty. Subject to credit approval; rates displayed are the lowest available and include a discount for automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | Rates displayed are the lowest rates available, including a discount for automatic payment. Subject to credit qualifications. |
| up to 48 months | 5.00% | Rates displayed are the lowest rates available, including a discount for automatic payment. Subject to credit qualifications. |
| up to 60 months | 5.25% | Rates displayed are the lowest rates available, including a discount for automatic payment. Subject to credit qualifications. |
| up to 72 months | 6.00% | Rates displayed are the lowest rates available, including a discount for automatic payment. Subject to credit qualifications. |
| up to 84 months | 7.00% | Rates displayed are the lowest rates available, including a discount for automatic payment. Subject to credit qualifications. |
Sources (1)
- uhfcu.com/auto-loans · captured Oct 3, 2026
Scratch & Save Auto Loan Promotion
Auto Loan Scratch & Save Promotion running October 1, 2026 to October 31, 2026 (loan must fund by 11/30/26). Available for vehicle model years 2019 and newer for new or pre-owned purchases at any dealership or to refinance an existing auto loan from another institution (vehicles must be titled and registered in Hawaii for refinance). Internal UHFCU refinances excluded. Scratch chance offers chance to win 1.99% APR Instant Rate (odds 3 in 1,000), 1.00% Rate Discount (odds 600 in 1,000; requires auto pay, otherwise 0.75%), or 1.00% Cash Back up to $300 (odds 397 in 1,000). UHFCU membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 1.99% | Promotional Instant Rate won via scratch card promotion (odds 3 in 1,000). Valid for vehicle model years 2019 and newer. Terms up to 60 months. Applications received 10/1/26 - 10/31/26, funded by 11/30/26. Lowest rate available; actual rate based on credit qualifications. |
Sources (1)
- uhfcu.com/auto-loans/auto-loan-promo · captured Oct 3, 2026
Used Auto/Truck
Up to 125% financing of MSRP or NADA retail value. Maximum loan amount: $150,000. Great terms – 12 to 84 months. No pre-payment penalty. Subject to credit approval; rates displayed are the lowest available and include a discount for automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | Rates displayed are the lowest rates available, including a discount for automatic payment. Subject to credit qualifications. |
| up to 48 months | 5.75% | Rates displayed are the lowest rates available, including a discount for automatic payment. Subject to credit qualifications. |
| up to 60 months | 6.00% | Rates displayed are the lowest rates available, including a discount for automatic payment. Subject to credit qualifications. |
| up to 72 months | 6.75% | Rates displayed are the lowest rates available, including a discount for automatic payment. Subject to credit qualifications. |
| up to 84 months | 7.75% | Rates displayed are the lowest rates available, including a discount for automatic payment. Subject to credit qualifications. |
Sources (1)
- uhfcu.com/auto-loans · captured Oct 3, 2026
Who can join UHFCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.