Credit union · NCUA insured
Wailuku Federal Credit Union Auto Loan Rates
Top CarrotWailuku Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.45% for a used one. Rates checked October 22, 2026.
How Wailuku Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kahului, HI, where Wailuku Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wailuku Federal Credit Union
4.25%APR
- Terms
- —
- Up to
- —
New Auto Loan
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
Wailuku Federal Credit Union auto loan score
91
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.45%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wailuku 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
Rates for New Auto Loans are determined by an evaluation of credit, loan term, loan-to-value (loan balance divided by vehicle value), and direct deposit/payroll deduction. Rates subject to change at anytime without notice.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.25% | Rate is as low as 4.25% APR; determined by credit evaluation, loan term, loan-to-value, and direct deposit/payroll deduction. |
Sources (1)
- wailukufcu.com/loans/auto · captured Oct 3, 2026
Used Auto Loan
Rates for Used Auto Loans are determined by an evaluation of credit, loan term, loan-to-value (loan balance divided by vehicle value), and direct deposit/payroll deduction. Rates subject to change at anytime without notice. Free CARFAX Vehicle History Report provided when financing purchase of a used auto.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.45% | Rate is as low as 4.45% APR; determined by credit evaluation, loan term, loan-to-value, and direct deposit/payroll deduction. |
Sources (1)
- wailukufcu.com/loans/auto · captured Oct 3, 2026
Who can join Wailuku 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live in Central Maui are eligible for membership.
Employers and groups
- Persons who work in Central Maui are eligible for membership.
Military, government and schools
- Persons who attend school in Central Maui are eligible for membership.
Family and household
- Household members of qualified members—defined as persons living in the same residence and maintaining a single economic unit (including domestic partners, family members, foster children, guardians, and roommates)—are eligible for membership.
- Immediate family members of qualified members—defined as grandparents, parents, spouses, siblings, children, grandchildren, adopted children, stepparents, stepchildren, and stepsiblings—are eligible for membership.
Other ways
- Persons who worship in Central Maui are eligible for membership.
Membership information collected October 4, 2026.