Auto Loans · Hilo, Hawaii
5 credit unions in Hilo report car loan rates to the NCUA. Rates range from 3.00% to 5.84%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.00%
Lowest New Car Rate
4.76%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HELCO ★ 2.7 · 3 reviews | 3.00% | 4.00% |
| 2 | CU HAWAII ★ 3.6 · 43 reviews | 3.99% | 5.99% |
| 3 | HAWAII COUNTY EMPLOYEES ★ 4.5 · 8 reviews | 5.22% | 4.57% |
| 4 | BIG ISLAND ★ 4.3 · 12 reviews | 5.75% | 6.64% |
| 5 | HFS ★ 4.9 · 531 reviews | 5.84% | 6.38% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | HELCO ★ 2.7 · 3 reviews | 4.00% | 3.00% |
| 2 | HAWAII COUNTY EMPLOYEES ★ 4.5 · 8 reviews | 4.57% | 5.22% |
| 3 | CU HAWAII ★ 3.6 · 43 reviews | 5.99% | 3.99% |
| 4 | HFS ★ 4.9 · 531 reviews | 6.38% | 5.84% |
| 5 | BIG ISLAND ★ 4.3 · 12 reviews | 6.64% | 5.75% |
A pre-approval from a Hilo 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 Hilo in the same window and take the best offer.
See member reviews, branch locations, and full rate details.