Pearl Hawaii Federal Credit Union

Overview / Commentary

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 754^th largest credit union in the nation. It was established in 1937 and as of December of 2022, it had grown to 68 employees and 31,022 members at 6 locations. Pearl Hawaii Federal Credit Union has a B+ 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 (1)

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Best CD Rates

Posted by: AliceKing | May 13, 2020

I've been a member of Pearl Hawaii Federal Credit Union for nearly 10 years and had no clue that they had CDs until recently. Their rates are some of the highest on Oahu. I had a bunch of short term Certificates at a variety of places and decided to shift them all over. I had no problems and Pearl Hawaii had the best customer service. They were super friendly, answered all of my questions, and my rate is much better than what I was receiving at the other banks. Their mobile services have improved greatly this past year so I don't have to go into one of their many locations. I can literally do everything online... Unlike all of these online companies, I can bank with a place I trust and go in if I need to. I like that reassurance.

Comment

Health

B+

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #	1961
Year Chartered	1937
Employees	68
Primary Regulator

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	5.28%
Annual Interest Income	$12.4MM

Assets and Liabilities
Assets	Q4 2022vs Q4 2021	$453.5MM$465.5MM
Loans	Q4 2022vs Q4 2021	$244.0MM$235.4MM
Deposits	Q4 2022vs Q4 2021	$418.9MM$420.0MM
Equity Capital	Q4 2022vs Q4 2021	$31.5MM$42.6MM
Loan Loss Allowance	Q4 2022vs Q4 2021	$1.3MM$1.2MM
Unbacked Noncurrent Loans	Q4 2022vs Q4 2021	$946.00K$1.1MM
Real Estate Owned	Q4 2022vs Q4 2021	$0$0

Rates

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Checking
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Always verify rates and promotions with the bank or credit union. We are not Pearl Hawaii Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Pearl Hawaii Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	-	$20k	Kasasa Saver
OTHER TIERS: 0.25% → $20k+
0.20%	-	-	IRA Savings
0.20%	$2.5k	-	Jumbo Savings
0.20%	$5	-	Holiday Savings
0.10%	$5	-	Regular Share Savings
0.10%	$5	-	Momi's Money (Children's Savings)
0.10%	$5	-	Secondary Savings

Pearl Hawaii Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.25%^*	-	$10k	Kasasa Reward Checking
OTHER TIERS: 0.25% → $10k+

Pearl Hawaii Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$1k	-	14 Month CD Special
1.25%	$1k	-	20 Month CD Special
0.65%	$1k	-	3 Year CD
0.50%	$1k	-	2 Year CD
0.45%	$1k	-	1 Year CD
0.25%	$1k	-	6 Month CD
0.20%	$1k	-	30 Day - 179 Day

Pearl Hawaii Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$1k	-	14 Month IRA Special
1.25%	$1k	-	20 Month IRA Special
0.65%	$1k	-	3 Year IRA CD
0.50%	$1k	-	2 Year IRA CD
0.45%	$1k	-	1 Year IRA CD

Locations

Pearl Hawaii Federal Credit Union Locations
Branch Office	1580 Makaloa St	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

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