Credit union · NCUA insured
Valley Isle Community Federal Credit Union Auto Loan Rates
Valley Isle Community Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Valley Isle Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kahului, HI, where Valley Isle Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Valley Isle Community Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- —
New Auto Loans
Lowest rate
Molokai Community FCU
3.49%APR
- Terms
- up to 72 months
- Up to
- —
2nd-lowest rate
Lanai Federal Credit Union
3.75%APR
- Terms
- up to 60 months
- Up to
- 9.00% APR
Valley Isle Community Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Valley Isle Community 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 Loans
Membership with VICFCU required. Terms up to 84 months. Financing up to 120% of MSRP for qualifying credit tiers. No pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | Advertised rate is 'A+' Tiered Rate under Reflective Loan Pricing Program. Payment example: 35 monthly payments of $29.86, 1 estimated final payment of $29.82 on $1,000 borrowed. |
| up to 48 months | 4.75% | Advertised rate is 'A+' Tiered Rate under Reflective Loan Pricing Program. Payment example: 47 monthly payments of $22.92, 1 estimated final payment of $22.81 on $1,000 borrowed. |
| up to 60 months | 5.00% | Advertised rate is 'A+' Tiered Rate under Reflective Loan Pricing Program. Payment example: 59 monthly payments of $18.88, 1 estimated final payment of $18.34 on $1,000 borrowed. |
| up to 72 months | 6.00% | Advertised rate is 'A+' Tiered Rate under Reflective Loan Pricing Program. Payment example: 71 monthly payments of $16.58, 1 estimated final payment of $16.10 on $1,000 borrowed. |
| up to 84 months | 7.00% | Advertised rate is 'A+' Tiered Rate under Reflective Loan Pricing Program. Payment example: 83 monthly payments of $15.10, 1 estimated final payment of $14.47 on $1,000 borrowed. |
Used Auto Loans
Membership with VICFCU required. For quality used vehicles up to 7 years old. Terms up to 72 months. Financing up to 120% of KBB Retail for qualifying credit tiers. No pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | Advertised rate is 'A+' Tiered Rate under Reflective Loan Pricing Program. Available on vehicles up to 7 years old. Payment example: 35 monthly payments of $29.86, 1 estimated final payment of $29.82 on $1,000 borrowed. |
| up to 48 months | 4.75% | Advertised rate is 'A+' Tiered Rate under Reflective Loan Pricing Program. Available on vehicles up to 7 years old. Payment example: 47 monthly payments of $22.92, 1 estimated final payment of $22.81 on $1,000 borrowed. |
| up to 60 months | 5.00% | Advertised rate is 'A+' Tiered Rate under Reflective Loan Pricing Program. Available on vehicles up to 7 years old. Payment example: 59 monthly payments of $18.88, 1 estimated final payment of $18.34 on $1,000 borrowed. |
| up to 72 months | 6.00% | Advertised rate is 'A+' Tiered Rate under Reflective Loan Pricing Program. Available on vehicles up to 7 years old. Payment example: 71 monthly payments of $16.58, 1 estimated final payment of $16.10 on $1,000 borrowed. |
Who can join Valley Isle Community 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
- Membership is open to anyone who lives or works on the island of Maui.
Membership information collected October 4, 2026.