Credit union · NCUA insured
Waialua Federal Credit Union Auto Loan Rates
Waialua Federal Credit Union auto loans start at 6.50% APR for a new vehicle and 6.50% for a used one. Rates checked October 22, 2026.
How Waialua Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Waialua Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Waialua Federal Credit Union
6.50%APR
- Terms
- up to 84 months
New Auto Loan
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
Waialua Federal Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.50%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Waialua 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
Our new car loans are for new vehicles that have not been previously titled.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.50% | Rate includes a 0.50% deduction with an existing direct deposit into the Credit Union. Maximum term offered is 84 months. |
Used Auto Loan
For the purchase of a used vehicle or the refinance of a currently owned used vehicle from another lender. Financed up to Retail Kelly Blue Book Value (or Wholesale Kelly BlueBook value for refinance from another lender). Vehicles older that 5 years would have to be financed as a personal unsecured loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.50% | Rate includes a 0.50% deduction with an existing direct deposit into the Credit Union. Maximum term is 5 years (60 months) for vehicles up to 3 years old, and 4 years (48 months) for vehicles 4-5 years old. |
Who can join Waialua Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.