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Pearl Hawaii Federal Credit Union

Pearl Hawaii Federal Credit Union auto loan rates

NCUA InsuredLast checked Nov 11, 2026

Today's posted auto loan rates from Pearl Hawaii Federal Credit Union, copied from its own website, and every change we have recorded since Nov 11, 2026. 808rates is independent and not affiliated with Pearl Hawaii FCU; no lender pays to be listed or ranked.

Open to most Hawaii residents · Check eligibility

How Pearl Hawaii FCU compares

New car loan, 3 years
5.00% APR · 3rd lowest of 4 (New Auto (3 years))
Used car loan, 3 years
5.00% APR · tied lowest of 5 (Used Auto (3 years))
Compare auto loan rates at every Hawaii lender →

Today's auto loan rates

Ranked by lowest published ("as low as") APR, only against loans for the same vehicle type and term.

New Auto (3 years)
Vehicle
New
Term
36 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Up to 120% of MSRP.
New Auto (4 years)
Vehicle
New
Term
48 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Up to 120% of MSRP.
New Auto (5 years)
Vehicle
New
Term
60 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Up to 120% of MSRP.
Used Auto (3 years)
Vehicle
Used
Term
36 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Hawaii-registered vehicles up to 7 model years old; up to 105% of Kelley Blue Book retail value.
Used Auto (4 years)
Vehicle
Used
Term
48 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Hawaii-registered vehicles up to 7 model years old; up to 105% of Kelley Blue Book retail value.
Used Auto (5 years)
Vehicle
Used
Term
60 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Hawaii-registered vehicles up to 7 model years old; up to 105% of Kelley Blue Book retail value.

Rate history

Each date is when the rate listed on 808rates.com changed, copied from Pearl Hawaii FCU's page. Our verified history for auto loan rates starts Nov 11, 2026.

New Auto (3 years)

5.00% APR since Nov 11, 2026, with no change.

New Auto (4 years)

5.00% APR since Nov 11, 2026, with no change.

New Auto (5 years)

5.00% APR since Nov 11, 2026, with no change.

Used Auto (3 years)

5.00% APR since Nov 11, 2026, with no change.

Used Auto (4 years)

5.00% APR since Nov 11, 2026, with no change.

Used Auto (5 years)

5.00% APR since Nov 11, 2026, with no change.

More Pearl Hawaii FCU rates

Auto loan rates at other Hawaii lenders

Rates are copied exactly from each lender's own page and can change at any time; confirm with the lender before applying. How we collect and rank rates