Auto Loans · Honolulu, Hawaii
17 credit unions in Honolulu report car loan rates to the NCUA. Rates range from 3.24% to 6.54%.
Updated Q1 2026 · NCUA Call Report data
17
CUs Reporting Rates
3.24%
Lowest New Car Rate
5.29%
City Average Rate
17 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | LOKAHI ★ 3.8 · 10 reviews | 3.24% | 3.24% |
| 2 | HAWAIIAN ELECTRIC EMPLOYEES ★ 5.0 · 3 reviews | 3.67% | 3.77% |
| 3 | GLOVER ★ 3.3 · 38 reviews | 3.70% | 4.35% |
| 4 | HAWAIIUSA ★ 3.9 · 59 reviews | 4.25% | 6.25% |
| 5 | HAWAII SCHOOLS ★ 5.0 · 4 reviews | 4.96% | 5.68% |
| 6 | HAWAII CENTRAL ★ 3.3 · 38 reviews | 5.25% | 5.25% |
| 7 | HAWAII LAW ENFORCEMENT ★ 3.7 · 33 reviews | 5.44% | 6.03% |
| 8 | PLUMBERS & FITTERS LOCAL 675 ★ 5.0 · 4 reviews | 5.49% | — |
| 9 | HONOLULU FIRE DEPARTMENT ★ 3.7 · 9 reviews | 5.50% | 5.50% |
| 10 | HONOLULU ★ 4.4 · 34 reviews | 5.68% | 7.39% |
| 11 | HAWAII ★ 3.6 · 51 reviews | 5.99% | 6.24% |
| 12 | UNIVERSITY OF HAWAII ★ 4.4 · 96 reviews | 6.00% | 6.75% |
| 13 | HAWAIIAN FINANCIAL ★ 3.8 · 17 reviews | 6.00% | 7.00% |
| 14 | ALOHA PACIFIC ★ 4.0 · 23 reviews | 6.00% | 6.50% |
| 15 | LOCAL UNION 1186 IBEW ★ 5.0 · 3 reviews | 6.00% | 5.70% |
| 16 | HAWAII STATE ★ 3.0 · 30 reviews | 6.24% | 6.99% |
| 17 | HOTEL AND TRAVEL INDUSTRY ★ 3.2 · 6 reviews | 6.54% | 7.79% |
16 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | LOKAHI ★ 3.8 · 10 reviews | 3.24% | 3.24% |
| 2 | HAWAIIAN ELECTRIC EMPLOYEES ★ 5.0 · 3 reviews | 3.77% | 3.67% |
| 3 | GLOVER ★ 3.3 · 38 reviews | 4.35% | 3.70% |
| 4 | HAWAII CENTRAL ★ 3.3 · 38 reviews | 5.25% | 5.25% |
| 5 | HONOLULU FIRE DEPARTMENT ★ 3.7 · 9 reviews | 5.50% | 5.50% |
| 6 | HAWAII SCHOOLS ★ 5.0 · 4 reviews | 5.68% | 4.96% |
| 7 | LOCAL UNION 1186 IBEW ★ 5.0 · 3 reviews | 5.70% | 6.00% |
| 8 | HAWAII LAW ENFORCEMENT ★ 3.7 · 33 reviews | 6.03% | 5.44% |
| 9 | HAWAII ★ 3.6 · 51 reviews | 6.24% | 5.99% |
| 10 | HAWAIIUSA ★ 3.9 · 59 reviews | 6.25% | 4.25% |
| 11 | ALOHA PACIFIC ★ 4.0 · 23 reviews | 6.50% | 6.00% |
| 12 | UNIVERSITY OF HAWAII ★ 4.4 · 96 reviews | 6.75% | 6.00% |
| 13 | HAWAII STATE ★ 3.0 · 30 reviews | 6.99% | 6.24% |
| 14 | HAWAIIAN FINANCIAL ★ 3.8 · 17 reviews | 7.00% | 6.00% |
| 15 | HONOLULU ★ 4.4 · 34 reviews | 7.39% | 5.68% |
| 16 | HOTEL AND TRAVEL INDUSTRY ★ 3.2 · 6 reviews | 7.79% | 6.54% |
A pre-approval from a Honolulu 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 Honolulu in the same window and take the best offer.
See member reviews, branch locations, and full rate details.