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A Local Credit Union That Cares

CARFAX Vehicle History Reports

Don’t buy a used car without it. CARFAX has built the most comprehensive vehicle history database ever assembled with over 23 billion records covering virtually all cars, light trucks, and SUVs manufactured in the U.S. since 1981. CARFAX provides vehicle data from more than 112,000 data sources, including all state DMVs and many police departments, service facilities, and collision centers.

In addition, all vehicle data undergoes rigorous quality assurance testing to improve its accuracy and eliminate duplicate or irrelevant records. CARFAX also runs the data through hundreds of business rules to identify unique CARFAX Alerts and Advisories relating to odometer rollbacks, VIN cloning, and other potential problems. All of these steps have been carefully refined over the last 30 years to provide you with the highest quality vehicle history information available.

The depth and breadth of information provided by CARFAX is unparalleled. The easy-to-read reports deliver more insight into a vehicle's history than any other source. View a sample CARFAX report.

The regular retail price of a CARFAX Vehicle History Report is $39.99, but we offer it FREE to our members – just another value of membership with Wailuku Federal Credit Union!

Consumer Loan Rates

Rates effective as of 4/11/2025
TypeAnnual Percentage Rate
New Auto Loan*As low as 4.75%
Used Auto Loan*As low as 4.95%
Personal Loan**As low as 6.75%
Share Secured Loan2.49%
Personal Line of Credit**As low as 8.99%
Share Secured Line of Credit2.99%

*Rates for New and Used Auto Loans are determined by an evaluation of your credit, the term of the loan, loan-to-value (loan balance divided by vehicle value), and direct deposit/payroll deduction.  Rates are subject to change at anytime without notice. 
**Rates for Personal loan and Personal line of credit are determined by an evaluation of your credit, the term of the loan/line of credit, and direct deposit/payroll deduction.  Rates are subject to change at anytime without notice.  Payment example: The monthly payment per $1,000.00 for 36 months at 4.75% will be $29.86.

I recently applied for a mortgage loan at Wailuku Federal Credit Union. The employees there were very helpful and knowledgeable and answered all of my questions. Without their help I would not have been able to purchase my home. I highly recommend seeing them for your financing needs.
-Lance B.