Great rates and flexibility.

AUTO LOANS.
Just say go! Whether you're in the market for a new or used car or truck, the credit union can't be beat for affordable financing, competitive interest rates, flexible terms and no down payments on eligible loans. Take advantage of low-cost optional insurance coverage such as Credit Life and Credit Disability coverage for eligible applicants. Other optional coverages available to members include GAP (Guaranteed Asset Protection) and AutoCare mechanical repair coverage.

A new auto is defined as one that is less than nine months old from the date it was first sold (as shown on the Legal Ownership Certificate) and has been driven less than 10,000 miles. Finally, a used vehicle is defined as a one which is more than nine months old from the date it was first sold or has been driven more than 10,000 miles. See current rate schedule for annual percentage rate for new, nearly new and used auto loans.

Pre-approval Program.
Get pre-qualified for an auto loan with HCFCU's pre-approval program. Getting pre-approved puts your buying power in place before you go shopping for a vehicle. When you know how much you have to spend, the negotiation and buying process will be faster and more efficient. Come into any branch or apply here.

Refinance: New or used. and save, save, save.
If you have financed your car through the dealer or another institution, call or apply online to refinance with the credit union. Chances are, we can do better!

COMPARE AND SAVE. These days, car buying is loaded with lots of 'too-good-to-be true' offers. You might be offered the choice between taking a cash rebate or a super low financing rate. Should you take the cash? In most cases, yes. But you want to be sure. At the credit union, we've already done the math for you. Let our experts help you determine which is the best option for you. Drop by any branch for a free comparison or view a sample financing comparison chart.

CUDL AutoSMART. Buying or selling a used car and need to know the value? Visit CUDL AutoSMART, our online auto buying and selling resource. You can also use AutoSMART to do research, get trade-in values, warranty information, obtain safety recall data, get credit score assistance, tips, advice and much more. And best of all, it’s free to all Hawaii Community Federal Credit Union members.

Competitive Auto and Home Insurance Rates.
Credit union members can now benefit from the combined partnership of Atlas Insurance Agency and Island Insurance Company. Offering "members only" discounted rates on auto and homeowners policies, these highly rated companies understand the local market and have been servicing island residents for more than 65 years. Contact Atlas Insurance's Kona office, right next to our Kailua-Kona branch at 854-2533 to obtain your personalized quote.