Auto Loans · Kahului, Hawaii
4 credit unions in Kahului report car loan rates to the NCUA. Rates range from 4.50% to 6.03%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.50%
Lowest New Car Rate
5.51%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | KAHULUI ★ 3.9 · 7 reviews | 4.50% | 5.00% |
| 2 | MAUI ★ 3.4 · 11 reviews | 5.50% | 6.75% |
| 3 | VALLEY ISLE COMMUNITY ★ 3.5 · 13 reviews | 6.00% | 6.00% |
| 4 | WAILUKU ★ 4.6 · 10 reviews | 6.03% | 7.32% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | KAHULUI ★ 3.9 · 7 reviews | 5.00% | 4.50% |
| 2 | VALLEY ISLE COMMUNITY ★ 3.5 · 13 reviews | 6.00% | 6.00% |
| 3 | MAUI ★ 3.4 · 11 reviews | 6.75% | 5.50% |
| 4 | WAILUKU ★ 4.6 · 10 reviews | 7.32% | 6.03% |
A pre-approval from a Kahului 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 Kahului in the same window and take the best offer.
See member reviews, branch locations, and full rate details.