The Hawaii Federal Credit Union is a auto loan from Hawaii Federal Credit Union. Application typically pulls a hard report from Experian. The ongoing APR is New Auto Loans (terms up to 72 mos.): As low as 4.99% APR; New Auto Loans (terms up to 84 mos.): As low as 5.75% APR; Used Auto Loans (six months old and older): As low as 5.74% APR. Loan terms: New Auto Loans (terms up to 72 mos.); New Auto Loans (terms up to 84 mos.).