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HFS Federal Credit Union
Free - On the App Store

HFS FCU iOS app icon

HFS Federal Credit Union
Free - On the App Store

Wherever life takes you, HFS auto rates will get you there.

Enjoy these special Auto Loan rates for a limited time!
  • New Auto Loan rates, 1.49% APR for 36 months1
  • Used Auto Loan rates as low as 2.74% APR for 60 months2
  • Also, receive a 0.25% discount for setting up automatic payments and a 0.25% discount for a 20% downpayment!
  • Other rates and terms available!

Simply apply online, visit any of our branch locations or give us a call to get started.

Hurry, special ends on November 15, 2018


Insured by NCUA. APR= Annual Percentage Rate. Rate effective as of October 15, 2018. 1APR is based on a 36 month term with monthly payments of $284.36 per $10,000 borrowed. 2APR is based on a 60 month term with monthly payments of $178.64 per $10,000 borrowed. The actual rates and APR depend on credit history, loan terms and age of the vehicle. Subject to credit approval. Other rates and terms are available. Refinances of existing HFS loans do not qualify for this offer. Applications may be submitted online, at any HFS FCU branch location or dealer.

Membership with the Credit Union is open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A non-refundable $1.00 fee is required to establish membership with the Credit Union. A minimum opening balance of $50.00 is required to open a savings account. Hurry, offer ends November 15, 2018.

8 replies to “Enjoy These Special Auto Loan Rates!


Your new auto rate special at 1.49% APR, does this mean after auto pay and 20% down, it will be at .99%APR?



Good Morning Tom! Yup, that’s right 🙂


Hi there. I don’t have an account with HFS, but I heard about your great loan promotion. I currently have an auto loan with Central Pacific Bank, and I was wondering two things:
Can I apply even though I’m not a member of the credit union?
Can I refinance my auto loan through HFS, and if so how do I do that?



Aloha Harley,

Thanks for reaching out to us! You absolutely can apply even if you’re not a member, but to complete the loan process you will need to become a member. Yes, refinancing your auto loan with us is possible, you’ll just need to fill out our auto loan application to get started, which can be done online at https://hfsfcu.org/auto-loans/. You can also call us at (808) 930-1400 to schedule an appointment with a loan officer. Mahalo!


Is it possible to apply for a new auto loan, when a dealership is offering you to come in and trade your current vehicle for a newer one??



Aloha Lea! Mahalo for your question. If you’d like to finance your vehicle with HFS, all you need to do is let the dealer know. In order for a vehicle to qualify for a new auto loan, it needs to be the current or prior model year and have an odometer reading less than 10,000 miles. Please feel free to give us a call at (808) 930-1400 should you have any more questions. Thank you!


Is there a mileage cap for the used auto loans?



Aloha Chantelle, No, there is no mileage cap for used autos. Terms of financing for used autos will be based on an auto inspection and research of the value of the vehicle. Mahalo for your question!

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