Because it’s a big, Big Island, we know you have miles and miles to drive every day. That’s why we’re here with a selection of auto services to make your journey a little bit easier.

AutoSmart. The intelligent way to buy your next vehicle.
Car shopping? Check out CUDL AutoSMART, our new, easy-to-use Internet tool. Unlike other car buying websites, AutoSMART directly connects you with the dealers  we have partnered with to get you the most outstanding deal possible on your next vehicle. This connection will ensure you work with dealers who are extra-committed to give you value, savings, and additional peace of mind as you shop for your next vehicle. You can also use AutoSMART to do research, get trade-in values, warranty information, obtain safety recall data, get credit score assistance, tips, advice and much more. And best of all, it’s free to all Hawaii Community Federal Credit Union members. It’s time to get  AutoSMART!

Auto mechanical repair coverage.

Get peace of mind with our Members Choice© Mechanical Repair Coverage. It helps to protect you against many of the costly repairs no longer covered by the manufacturer's warranty. They can be expensive - up to thousands of dollars - and the risk is likely to increase as your miles add up.

It pays for covered repairs (even if those repairs entail a number of procedures) with a small deductible. Our plans are very competitive with most of the extended warranty programs offered by dealers. New or used vehicles qualify, as long as the vehicle has at least one month and 1,000 miles remaining on the original factory warranty. You must enroll in the plan at the time you purchase the vehicle, and the cost can be factored into your HCFCU auto financing if you wish. There are several tiers of coverage available, so please contact a loan officer at any branch for more details about this low-cost, money saving insurance option.

Coverage for any eligible vehicle — new or used

• Pays for parts and labor for covered repairs
• Available on eligible new and used vehicles that have at least one month and 1,000 miles of remaining original manufacturer's warranty
• Available on eligible used vehicles up to 10 years old and 100,000 miles or less
• Vehicles are eligible even when purchased from private party
• Transferable to new owners when you sell your vehicle to a private party
• Cancelable by you at any time on a pro-rate basis
• Coverage begins at existing vehicle mileage at time of purchase

Fits every budget and need

• Liberal term and mileage eligibility requirements ranging from 12 months to 84 months
• Choice of protection and deductible options with a plan to fit almost any driver

Convenient and comprehensive

• Hassle-free claims - payments made directly to any authorized repair facility ion the U. S. and Canada
• 24-hour roadside assistance
• Emergency travel expense reimbursement
• Rental reimbursement up to $30 per day for up to 5 days

Kelley Blue Book.
Contact the loan department at any branch for free Kelley Blue Book quotes.

HFN Discount Gas Program.
Hawaii has never been known for having low gas prices, so fight the trend by taking a discount when you can. Upon approval through our partner Hawaii Petroleum Inc., HCFCU members can elect to receive an HFN card, giving them a discount per gallon off the price of gasoline and diesel. Your purchase is deducted directly from your checking account. There are no fees, no monthly service charges, no annual fees, no cost for cards or replacements and no need to carry cash.

Available at these locations islandwide:

• HFN Kailua Kona. 74-5558B Kaiwi Street, Old Industrial Area, across from Kailua Candy Co. Open 24 hours, seven days a week.
• HFN Kawaihae. Minit Shop, Across from Young Brothers. Open 5am-11pm, 7 days a week.
• HFN Laupahoehoe Minit Stop (open 5-11, 7 days a week)
• HFN Hilo Minit Stop. At the corner of Leilani St. & Kanoelehua Ave. Open 24/7
• HFN Hilo. At the Leilani and Railroad Avenue, near Hilo International Airport. Open 24/7
• HFN Wiki Wiki Gas Orchidland Drive, Pahoa.
  Open Mon.- Fri. 6am-11pm, Sat. 7am-11pm, Sun. 7am-9pm.

Ask any staff member at any of our conveniently located branches about how to sign up.

Members Choice ® Guaranteed Asset Protection (GAP)
Are you buying your first car? Trading in your sedan for a mini-van? Or, are you finally buying the luxury car you've always wanted? Buying a vehicle is a big purchase. Is it adequately protected?

Insurance settlements don't always cover your loss
How do you know if your vehicle is adequately protected by your primary insurance carrier? If you have an "upside down" loan to value ratio (you owe more on your vehicle than it's worth or you put less than 20% down when you purchased your vehicle) your insurance settlement probably won't cover your vehicle if it's declared a total loss. This means you may pay thousand of dollars to cover the difference between the actual cash value of your vehicle and your loan balance in the event your vehicle is stolen, accidentally damaged beyond repair, or declared a total loss. You'll pay on a vehicle you no longer drive, plus you still have to purchase a new vehicle.

Protection that pays the difference
MEMBERS CHOICE ® Guaranteed Asset Protection (GAP) helps ease your financial burden by paying the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.

GAP is an affordable way to fill the gap. For just a few dollars a month, you can protect yourself against this kind of unexpected expense.

MEMBERS CHOICE ® Guaranteed Asset Protection Plus (GAP Plus) offers the same benefits as GAP, plus it includes $1,000 toward your down payment on a replacement vehicle when financed by Hawaii Community FCU within 60 days after your primary insurance company issues a settlement check.

Features of MEMBERS CHOICE ® Guaranteed Asset Protection Plus

• 90-day free look - you may cancel your protection within 90 days of your enrollment date and receive a full refund and no cancellation fee.
• Available on loans and leases - protects new and pre-owned vehicles.
• Primary vehicle insurance deductible - pays up to $1,000 of your vehicle insurance deductible (where allowed by state law).