--- title: "Kauai Ohana Credit Union: #1 Used Auto Loan in Hawaii" description: "Kauai Ohana Credit Union has the lowest tracked used-car loan rate in Hawaii (4.50% APR) among 11 credit unions we verify. Kauai Ohana Credit Union rates today: auto loans from 4.50% APR, savings & CDs up to 4.72% APY, personal loans from 3.02% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Kauai Ohana Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/hawaii/kauai-ohana" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Kauai Ohana Credit Union: #1 Used Auto Loan in Hawaii ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **96-Month Used Auto Loan** auto_used_96mo | 4.500% APR | 4.500% | 96 mo · used | Standard | Kauai Ohana Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Fully Shared Certificate Secured** personal_secured | 3.015% APR | 3.015% | — | Standard | | **75% Share Secured** personal_secured | 4.250% APR | 4.250% | — | Standard | | **50% Share Secured** personal_secured | 4.500% APR | 4.500% | — | Standard | | **25% Share Secured** personal_secured | 4.625% APR | 4.625% | — | Standard | | **Signature Loan (All Purpose)** personal_unsecured | 4.750% APR | 4.750% | — | Standard | | **Personal Line of Credit** ploc_variable | 6.000% APR | 6.000% | — | Standard | Kauai Ohana Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 20 offers | Product | Published | Rate | Term / condition | Status | | **Regulare Shares** savings | 0.02% APY | 0.02% | — | Standard | | **Share Draft** checking | 0.02% APY | 0.02% | — | Standard | | **Christmas** savings | 0.05% APY | 0.05% | — | Standard | | **Individual Retirement Account (Roth, Traditional, Educational)** ira | 0.50% APY | 0.50% | — | Standard | | **6-Month IRA Certificate** ira_cd_6mo | 4.20% APY | 4.20% | 6 mo | Standard | | **9-Month Certificate** share_certificate_9mo | 4.20% APY | 4.20% | 9 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 4.20% APY | 4.20% | 6 mo | Standard | | **9-Month IRA Certificate** ira_cd_9mo | 4.20% APY | 4.20% | 9 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | 4.59% APY | 4.59% | 18 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 4.59% APY | 4.59% | 18 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 4.59% APY | 4.59% | 24 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 4.59% APY | 4.59% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 4.59% APY | 4.59% | 24 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | 4.59% APY | 4.59% | 12 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | 4.72% APY | 4.72% | 60 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 4.72% APY | 4.72% | 36 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 4.72% APY | 4.72% | 60 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | 4.72% APY | 4.72% | 48 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 4.72% APY | 4.72% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 4.72% APY | 4.72% | 48 mo | Standard | Kauai Ohana Credit Union savings & cd rates as of November 12, 2026 Auto loans available from 4.5% APR for 96 months. Personal loan rates from 3.015% APR. Savings and certificate yields up to 4.72% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/hawaii/kauai-ohana) , verified from [Kauai Ohana Credit Union's official website](https://www.kauaiohanafcu.org/) Best product position **#1 of 11** used-car loan Gap to state best **0 bp** State market leader Vs. state median **87 bp better than median** used-car loan Products ranked **2** across tracked Hawaii markets | Product | Published APR | Position | Vs. state best | Vs. state median | | used-car loan | 4.50% | #1 of 11 · lowest in Hawaii | State market leader | 87 bp better than median | | personal loan | 3.02% | #1 of 19 · lowest in Hawaii | State market leader | 378 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Kauai Ohana Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=kauai-ohana&state=hawaii&code=HI&name=Kauai%20Ohana%20Credit%20Union) Loading branch locator… ## About Kauai Ohana Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4K Assets $63.2M Founded 1938 Locations reported 2 NCUA charter 2577 Charter type Federal credit union ### Services and member support - Electronic statements - Mobile payments Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Gather** Walmart Lihue · Lihue · HI · 96766 About 3.1 miles away](https://rateapi.dev/credit-unions/hawaii/gather) [**Garden Island** Garden Island Federal Credit Union · Lihue · HI · 96766 About 3.4 miles away](https://rateapi.dev/credit-unions/hawaii/garden-island) [**Kauai** Main Branch · Lihue · HI · 96766 About 3.6 miles away](https://rateapi.dev/credit-unions/hawaii/kauai) [**Aloha Pacific** Kekaha Branch · Kekaha · HI · 96752 About 19.9 miles away](https://rateapi.dev/credit-unions/hawaii/aloha-pacific) [**Pearl Hawaii** Waianae Branch · Waianae · HI · 96792 About 87.4 miles away](https://rateapi.dev/credit-unions/hawaii/pearl-hawaii) [**Waialua** Waialua Federal Credit Union · Waialua · HI · 96791-8104 About 87.7 miles away](https://rateapi.dev/credit-unions/hawaii/waialua) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Kauai Ohana Credit Union Membership eligibility from Kauai Ohana Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Kauai Ohana Credit Union's website. Check the membership page below to confirm whether you qualify. - Location Kauai — HI Verified from [Kauai Ohana Credit Union's membership page](https://www.kauaiohanafcu.org/) . Final membership determination is always made by the credit union. ## Membership rules for Kauai Ohana Credit Union Geography 1 county 1 published path to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Kauai County, HI “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Kauai County, HI” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Kauai Ohana Credit Union? Yes No ## Work at Kauai Ohana Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Kauai Ohana Credit Union ranks against Hawaii peers. - See which AI assistants fetched Kauai Ohana Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Hawaii - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=kauai-ohana&state=hawaii&code=HI&name=Kauai%20Ohana%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Kauai Ohana Credit Union offer? Kauai Ohana Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Kauai Ohana Credit Union rates updated? RateAPI verifies Kauai Ohana Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Kauai Ohana Credit Union's rate data? Rate data is collected directly from Kauai Ohana Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Kauai Ohana Credit Union's auto loan rates? As of November 12, 2026, Kauai Ohana Credit Union offers auto loans from 4.5% APR. ### What is Kauai Ohana Credit Union's personal loan rate? As of November 12, 2026, Kauai Ohana Credit Union offers personal loans from 3.015% APR. ### What is Kauai Ohana Credit Union's best CD rate? As of November 12, 2026, Kauai Ohana Credit Union offers savings and certificate (CD) yields up to 4.72% APY. ### Who can join Kauai Ohana Credit Union? Kauai Ohana Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 county for Kauai Ohana Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Kauai Ohana Credit Union's rates against national credit-union benchmarks. [More Hawaii credit unions](https://rateapi.dev/credit-unions/hawaii) [Hawaii auto loan rate leaders](https://rateapi.dev/auto-loan-rates/hawaii) [Hawaii personal loan leaders](https://rateapi.dev/personal-loan-rates/hawaii) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.kauaiohanafcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Kauai Ohana Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Hawaii credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Kauai Ohana Credit Union curl "https://api.rateapi.dev/credit-unions/hawaii /kauai-ohana " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Kauai Ohana Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/hawaii/kauai-ohana Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp