Overview / Commentary
94-449 Ukee St
Waipahu, HI 96797

Pearl Hawaii Federal Credit Union is headquartered in Waipahu and is the 10th largest credit union in the state of Hawaii. It is also the 695th largest credit union in the nation. It was established in 1937 and as of December of 2018, it had grown to 71 employees and 29,037 members at 6 locations. Pearl Hawaii Federal Credit Union's CD rates are 11% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

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


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Health Grade Components

NCUA #1961
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD12.52%
Annual Interest Income$10.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$371.1MM$344.6MM
LoansQ4 2018vs Q4 2017$152.3MM$139.9MM
DepositsQ4 2018vs Q4 2017$335.3MM$311.8MM
Equity CapitalQ4 2018vs Q4 2017$34.1MM$31.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.4MM$951.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$419.00K$546.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Pearl Hawaii Federal Credit Union Savings Account Rates

0.20%--IRA Savings
0.20%$2.5k-Jumbo Savings
0.10%--Regular Share Savings
0.10%--Christmas Savings
0.10%--Children's Savings

Pearl Hawaii Federal Credit Union CD Rates

2.00%$1k-2 Year CD Special
2.00%$1k-3 Year CD Special
1.00%$1k-1 Year CD
0.75%$1k-6 Month CD
0.30%$1k-30 Day - 179 Day

Pearl Hawaii Federal Credit Union IRA Rates

2.00%$1k-2 Year IRA Special
2.00%$1k-3 Year IRA Special
1.00%$1k-1 Year IRA CD

Pearl Hawaii Federal Credit Union Locations
Branch Office1580 Makaloa StHonolulu, HI 96814
Branch Office585 Port Royal StHonolulu, HI 96818
Branch Office94-449 Ukee StWaipahu, HI 96797
Branch Office550 Paiea St Ste 128Honolulu, HI 96819
Branch Office91-1401 Fort Weaver Rd A102Ewa Beach, HI 96706-2253
Branch Office85-866 Farrington HwyWaianae, HI 96792

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