Pearl Hawaii Federal Credit Union

Overview | Eligibility Requirements | Receive alerts for this credit union

LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

pearlhawaii.com

808-737-4328

94-449 Ukee St
Waipahu, HI 96797

Pearl Hawaii Federal Credit Union is headquartered in Waipahu and is the 10^th largest credit union in the state of Hawaii. It is also the 760^th largest credit union in the nation. It was established in 1937 and as of March of 2025, it had grown to 70 employees and 31,850 members at 6 locations. Pearl Hawaii Federal Credit Union has an A health rating.

Field of Membership Restrictions

Pearl Hawaii Federal Credit Union is open to those who live, work, worship, or go to school on O’ahu. Membership is also open to family and household members of those eligible.
See current membership details

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	1961
Year Chartered	1937
Employees	70
Primary Regulator

Profit Margin
Return on Assets - YTD	1.89%
Return on Equity - YTD	19.88%
Annual Interest Income	$4.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$487.4MM$437.7MM
Loans	Q1 2025vs Q1 2024	$243.1MM$255.3MM
Deposits	Q1 2025vs Q1 2024	$437.6MM$396.7MM
Equity Capital	Q1 2025vs Q1 2024	$45.5MM$37.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.4MM$1.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$841K$1.8MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for Pearl Hawaii Federal Credit Union.

Locations

Pearl Hawaii Federal Credit Union Locations
Branch Office	1288 Ala Moana Blvd Ste 106	Honolulu, HI 96814
Branch Office	585 Port Royal St	Honolulu, HI 96818
Branch Office	94-449 Ukee St	Waipahu, HI 96797
Branch Office	550 Paiea St Ste 128	Honolulu, HI 96819
Branch Office	91-1401 Fort Weaver Rd Ste A102	Ewa Beach, HI 96706-2268
Branch Office	85-866 Farrington Hwy	Waianae, HI 96792

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.