*1.25% Rate Discount requires automatic payments from a UHFCU savings or checking account to qualify. Otherwise, a discounted rate of 1.00% will apply. Up to 84-month term. 3.75% Annual Percentage Rate (APR) is the lowest rate available. Sample monthly payment on a $10,000 loan with 3.75% APR for 36 months would be $292.98. Higher rates may apply depending on term and credit history. Available for vehicle model years 2019 and newer. Applications must be received between 5/1/26 and 5/31/26. Loan must be funded by 6/30/26 and can be used for the purchase of a new or pre-owned vehicle through a dealership/private part sale/lease buy-out, auto equity, or to refinance an existing auto loan that is with another financial institution. Rate Discount is not eligible for auto loans currently financed through UHFCU or refinance transactions for vehicles titled or registered outside the state of Hawaii. Motorcycles do not qualify for this promotion. All loans 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). This promotion cannot be combined with any other offers. Rates and offer are subject to change without notice.**Subject to meeting credit underwriting criteria. Other factors and restrictions apply.