Auto Loans · Hawaii
45 credit unions in Hawaii report car loan rates to the NCUA. Rates range from 3.00% to 9.78%.
Updated Q1 2026 · NCUA Call Report data
45
CUs Reporting Rates
3.00%
Lowest New Car Rate
5.60%
State Average Rate
21
Cities Covered
45 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HELCO HILO | 3.00% | 4.00% |
| 2 | LOKAHI Honolulu | 3.24% | 3.24% |
| 3 | HAWAIIAN ELECTRIC EMPLOYEES Honolulu | 3.67% | 3.77% |
| 4 | GLOVER Honolulu | 3.70% | 4.35% |
| 5 | ONOMEA PAPAIKOU | 3.75% | 5.75% |
| 6 | CU HAWAII Hilo | 3.99% | 5.99% |
| 7 | HAWAIIUSA Honolulu | 4.25% | 6.25% |
| 8 | KAHULUI KAHULUI | 4.50% | 5.00% |
| 9 | HAWAII SCHOOLS Honolulu | 4.96% | 5.68% |
| 10 | PEARL HAWAII WAIPAHU | 4.99% | 5.24% |
| 11 | MAUI COUNTY Wailuku | 5.00% | 6.50% |
| 12 | KO`OLAU KAILUA | 5.20% | 5.99% |
| 13 | HAWAII COUNTY EMPLOYEES Hilo | 5.22% | 4.57% |
| 14 | HAWAII CENTRAL Honolulu | 5.25% | 5.25% |
| 15 | MAUI TEACHERS Wailuku | 5.28% | 5.48% |
| 16 | HAMAKUA Pepeekeo | 5.31% | 6.57% |
| 17 | MOLOKAI COMMUNITY Kaunakakai | 5.32% | 6.60% |
| 18 | HAWAII LAW ENFORCEMENT Honolulu | 5.44% | 6.03% |
| 19 | MCBRYDE Eleele | 5.45% | 5.98% |
| 20 | PLUMBERS & FITTERS LOCAL 675 Honolulu | 5.49% | — |
| 21 | HONOLULU FIRE DEPARTMENT Honolulu | 5.50% | 5.50% |
| 22 | MAUI KAHULUI | 5.50% | 6.75% |
| 23 | SCHOFIELD WAHIAWA | 5.58% | 8.16% |
| 24 | HONOLULU Honolulu | 5.68% | 7.39% |
| 25 | BIG ISLAND HILO | 5.75% | 6.64% |
| 26 | HFS HILO | 5.84% | 6.38% |
| 27 | HAWAII Honolulu | 5.99% | 6.24% |
| 28 | VALLEY ISLE COMMUNITY Kahului | 6.00% | 6.00% |
| 29 | WAIALUA Waialua | 6.00% | 6.00% |
| 30 | EWA Ewa Beach | 6.00% | 7.00% |
| 31 | ALOHA PACIFIC Honolulu | 6.00% | 6.50% |
| 32 | UNIVERSITY OF HAWAII Honolulu | 6.00% | 6.75% |
| 33 | HAWAIIAN FINANCIAL Honolulu | 6.00% | 7.00% |
| 34 | LOCAL UNION 1186 IBEW HONOLULU | 6.00% | 5.70% |
| 35 | WAILUKU KAHULUI | 6.03% | 7.32% |
| 36 | HAWAII STATE Honolulu | 6.24% | 6.99% |
| 37 | GATHER Lihue | 6.25% | 13.00% |
| 38 | KAUAI OHANA Lihue | 6.37% | 8.44% |
| 39 | GARDEN ISLAND Lihue | 6.49% | 9.32% |
| 40 | HOTEL AND TRAVEL INDUSTRY Honolulu | 6.54% | 7.79% |
| 41 | KAUAI Lihue | 6.56% | 8.65% |
| 42 | KAHUKU Kahuku | 7.00% | 8.00% |
| 43 | HAWAII COMMUNITY Kailua Kona | 7.75% | 7.75% |
| 44 | LANAI Lanai City | 8.00% | 8.00% |
| 45 | HAWAII FIRST Kamuela | 9.78% | 11.98% |
44 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | LOKAHI Honolulu | 3.24% | 3.24% |
| 2 | HAWAIIAN ELECTRIC EMPLOYEES Honolulu | 3.77% | 3.67% |
| 3 | HELCO HILO | 4.00% | 3.00% |
| 4 | GLOVER Honolulu | 4.35% | 3.70% |
| 5 | HAWAII COUNTY EMPLOYEES Hilo | 4.57% | 5.22% |
| 6 | KAHULUI KAHULUI | 5.00% | 4.50% |
| 7 | PEARL HAWAII WAIPAHU | 5.24% | 4.99% |
| 8 | HAWAII CENTRAL Honolulu | 5.25% | 5.25% |
| 9 | MAUI TEACHERS Wailuku | 5.48% | 5.28% |
| 10 | HONOLULU FIRE DEPARTMENT Honolulu | 5.50% | 5.50% |
| 11 | HAWAII SCHOOLS Honolulu | 5.68% | 4.96% |
| 12 | LOCAL UNION 1186 IBEW HONOLULU | 5.70% | 6.00% |
| 13 | ONOMEA PAPAIKOU | 5.75% | 3.75% |
| 14 | MCBRYDE Eleele | 5.98% | 5.45% |
| 15 | CU HAWAII Hilo | 5.99% | 3.99% |
| 16 | KO`OLAU KAILUA | 5.99% | 5.20% |
| 17 | VALLEY ISLE COMMUNITY Kahului | 6.00% | 6.00% |
| 18 | WAIALUA Waialua | 6.00% | 6.00% |
| 19 | HAWAII LAW ENFORCEMENT Honolulu | 6.03% | 5.44% |
| 20 | HAWAII Honolulu | 6.24% | 5.99% |
| 21 | HAWAIIUSA Honolulu | 6.25% | 4.25% |
| 22 | HFS HILO | 6.38% | 5.84% |
| 23 | MAUI COUNTY Wailuku | 6.50% | 5.00% |
| 24 | ALOHA PACIFIC Honolulu | 6.50% | 6.00% |
| 25 | HAMAKUA Pepeekeo | 6.57% | 5.31% |
| 26 | MOLOKAI COMMUNITY Kaunakakai | 6.60% | 5.32% |
| 27 | BIG ISLAND HILO | 6.64% | 5.75% |
| 28 | MAUI KAHULUI | 6.75% | 5.50% |
| 29 | UNIVERSITY OF HAWAII Honolulu | 6.75% | 6.00% |
| 30 | HAWAII STATE Honolulu | 6.99% | 6.24% |
| 31 | EWA Ewa Beach | 7.00% | 6.00% |
| 32 | HAWAIIAN FINANCIAL Honolulu | 7.00% | 6.00% |
| 33 | WAILUKU KAHULUI | 7.32% | 6.03% |
| 34 | HONOLULU Honolulu | 7.39% | 5.68% |
| 35 | HAWAII COMMUNITY Kailua Kona | 7.75% | 7.75% |
| 36 | HOTEL AND TRAVEL INDUSTRY Honolulu | 7.79% | 6.54% |
| 37 | KAHUKU Kahuku | 8.00% | 7.00% |
| 38 | LANAI Lanai City | 8.00% | 8.00% |
| 39 | SCHOFIELD WAHIAWA | 8.16% | 5.58% |
| 40 | KAUAI OHANA Lihue | 8.44% | 6.37% |
| 41 | KAUAI Lihue | 8.65% | 6.56% |
| 42 | GARDEN ISLAND Lihue | 9.32% | 6.49% |
| 43 | HAWAII FIRST Kamuela | 11.98% | 9.78% |
| 44 | GATHER Lihue | 13.00% | 6.25% |
Most community credit unions in Hawaii accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.