Maybe you need a bigger car with more seating for your growing family. Or, you want to free up some money in your budget by refinancing with HFS to lower your current auto payment. With rates as low as 1.95% APR1 for 60 months2, you can ride home knowing you have a payment that fits your budget.

PLUS, take out an auto loan from July 1st – 31st, and be entered for a chance to win one of two Yeti Coolers!3 Perfect to take with you on your next adventure in your new ride.

HFS Employee kneeling next to a white Yeti Cooler with an orange HFS sticker on the front

View Official Rules

Apply for an Auto Loan

1 APR= Annual Percentage Rate. 2The 1.95% APR is derived by discounting the rate of 2.45% APR with a 0.25% discount for automatic payments and an additional 0.25% discount for a 20% down payment. Monthly payments at 1.95% APR for 60 months will be $525.32 per $30,000 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Other rates and terms available. Applications may be submitted online or at any HFS FCU branch location. Out-of-state vehicle purchases are ineligible for an HFS Auto Loan. 3Sweepstakes period is from July 1, 2022 at 8:30am to July 31, 2022 at 11:59 pm HST. Limit 1 prize per person. For official rules, visit: No purchase or payment is necessary to enter or win. Membership with the Credit Union is required and 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. A minimum opening balance of $50.00 is required to open a Savings Account. Federally Insured by NCUA.

2 replies to “Refi & Save or Upgrade…with an HFS Auto Loan!

Natasha Kahana

*Refinance loan

(Please refer me to loan officer-Leila)


Posted by: Jesica

Aloha Natasha, We just sent an email over to you regarding your request. Mahalo!

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