*Annual Percentage Rate (APR) is the lowest rate available. All promotional rates apply up to a 60-month term. Cash offer applies up to an 84-month term. Sample monthly payment on a $10,000 loan with 1.99% APR Instant Rate for 60 months would be $175.23. Higher rates may apply depending on term and credit history. Estimated odds: 1) 1.99% Instant Rate is 3 in 1000; 2) 1.00% Rate Discount is 600 in 1000; and 3) 1.00% Cash Back is 397 in 1000. 1.00% Rate Discount requires automatic payments from a UHFCU savings or checking account to qualify. Otherwise, a rate discount of 0.75% will apply. Cash Back is 1% of the loan balance (up to $300) and will be paid at funding. The Cash Back award will be forfeited and added to the payoff amount if the loan is closed within 24 months of opening. Auto loans currently financed through University of Hawai`i Federal Credit Union are not eligible for this offer. UHFCU does not offer auto leasing options. Available for vehicle model years 2019 and newer. Applications must be received between 10/1/26 and 10/31/26. Loan must fund by 11/30/26 and can be used for new or pre-owned vehicle purchases at any dealership or to refinance an existing auto loan that is with another financial institution. For Refinance transactions, the vehicle must be titled and registered in the state of Hawaii. All loans are subject to standard underwriting guidelines and approval. Certain terms, exclusions, and conditions may apply. UHFCU membership required. Valid for U.S. residents in HI, AK & 48 continental United States (purchases outside of Hawaii must be through a dealership). Cards, rates, and discounts cannot be combined. Each card may only be used once and is required to redeem for rate/discount. Limit of one card granted per day. This promotion cannot be combined with any other offers. Rates and offer are subject to change without notice. No purchase necessary.