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We're your co-pilot for your next auto loan.

At Hawaii Community Federal Credit Union, we're proud to offer auto loan rates that help our 'ohana save money when buying the car, truck or SUV they need. They're also great for refinancing high-interest auto loans from other institutions.

Effective Date: January 6, 2026
Term
APR*
(as low as)
60 Months 5.99%
72 Months 6.25%
78 Months 6.50%
84 Months 7.75%

*Annual Percentage Rate. All loans are subject to credit approval. Other terms and conditions apply. Rates are subject to change without notice. Financing up to 125% of the Manufacturer's Suggested Retail Price. 
New Auto Loan Payment Example: Loan amount of $1,000.00 at 5.99% APR for 60 months has a payment of $19.33. Membership requirements apply.

Effective Date: January 6, 2026
Term
APR*
(as low as)
Vehicle Year: 2025
60 Months 5.99%
72 Months 6.25%
78 Months 6.50%
84 Months 7.75%
Vehicle Year: 2023-2024
60 Months 7.00%
72 Months 7.00%
Vehicle Year: 2022
60 Months 7.00%
72 Months 7.00%
Vehicle Year: 2021
60 Months 7.25%
66 Months 7.25%
Vehicle Year: Older
54 Months 8.75%

*Annual Percentage Rate. All loans are subject to credit approval. Other terms and conditions apply. Rates are subject to change without notice. Financing up to 125% of the Manufacturer's Suggested Retail Price. 
Used Auto Loan payment example: Loan amount of $1,000.00 at 5.99% APR for 60 months has a payment of $19.33.

Explore competitive rates at Hawaii Community Federal Credit Union, designed to help you make informed financial decisions across Hawaii.

Membership requirements apply.

Frequently Asked Questions

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You can apply for a loan online or in-person at a branch.

We offer mortgage, land, construction, small business, educational, personal, auto, and credit card loans.

Our current loan rates can be found on our rates page.

For business loan rates, please visit a branch or call 808-930-7700 and speak to a loan officer.

Membership Benefits

A better home for your money

Enjoy personalized service, low fees, higher deposit rates and more.