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Hawaii Central Federal Credit Union auto loan rates

NCUA InsuredLast checked Nov 11, 2026

Today's posted auto loan rates from Hawaii Central Federal Credit Union, copied from its own website, and every change we have recorded since Nov 11, 2026. 808rates is independent and not affiliated with HawaiiCentral FCU; no lender pays to be listed or ranked.

For people who live, work, worship or attend school on Oahu · Check eligibility

How HawaiiCentral FCU compares

New car loan, 3 years
4.50% APR · 2nd lowest of 4 (New Auto (3 years))
Compare auto loan rates at every Hawaii lender →

Today's auto loan rates

Ranked by lowest published ("as low as") APR, only against loans for the same vehicle type and term.

New Auto (3 years)
Vehicle
New
Term
36 months
APR as low as
4.50%
Checked Nov 11, 2026Lender's page dated Aug 21, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. New autos only. Includes a 0.25% discount for automatic loan payment. Not for commercial vehicles or internal refinancing. Membership required: people who live, work, worship or attend school on Oahu.
New Auto (4 years)
Vehicle
New
Term
48 months
APR as low as
4.75%
Checked Nov 11, 2026Lender's page dated Aug 21, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. New autos only. Includes a 0.25% discount for automatic loan payment. Not for commercial vehicles or internal refinancing. Membership required: people who live, work, worship or attend school on Oahu.
New Auto (5 years)
Vehicle
New
Term
60 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Aug 21, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. New autos only. Includes a 0.25% discount for automatic loan payment. Not for commercial vehicles or internal refinancing. Membership required: people who live, work, worship or attend school on Oahu.

Rate history

Each date is when the rate listed on 808rates.com changed, copied from HawaiiCentral FCU's page. Our verified history for auto loan rates starts Nov 11, 2026.

New Auto (3 years)

4.50% APR since Nov 11, 2026, with no change.

New Auto (4 years)

4.75% APR since Nov 11, 2026, with no change.

New Auto (5 years)

5.00% APR since Nov 11, 2026, with no change.

More HawaiiCentral FCU rates

Auto loan rates at other Hawaii lenders

Rates are copied exactly from each lender's own page and can change at any time; confirm with the lender before applying. How we collect and rank rates