Pearl Hawaii Federal Credit Union

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

Pearl Hawaii Federal Credit Union is headquartered in Waipahu and is the 11th largest credit union in the state of Hawaii. It is also the 801st largest credit union in the nation. It was established in 1937 and as of March of 2024, it had grown to 72 employees and 31,545 members at 6 locations. Pearl Hawaii Federal Credit Union's CD rates are 39% higher than the national average, and it 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)

Best CD Rates

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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.


Health Grade Components

NCUA #1961
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD5.26%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$437.7MM$452.3MM
LoansQ1 2024vs Q1 2023$255.3MM$249.4MM
DepositsQ1 2024vs Q1 2023$396.7MM$415.4MM
Equity CapitalQ1 2024vs Q1 2023$37.5MM$33.2MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1.5MM$1.6MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.8MM$967K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Pearl Hawaii Federal Credit Union Savings Account Rates

0.20%$0-IRA Savings
0.20%$2.5k-Jumbo Savings
0.20%$5-Holiday Savings
0.10%$5-Pearl Savings
0.10%$5-Momi's Money (Children's Savings)
0.10%$5-Secondary Savings

Pearl Hawaii Federal Credit Union CD Rates

5.00%$5k-8 Month CD Special- New Money
4.25%$1k-8 Month CD
3.00%$1k-36 Month CD
2.00%$1k-24 Month CD
1.25%$1k-12 Month CD
1.25%$1k-6 Month CD
1.25%$1k-1 - 5 Month CD

Pearl Hawaii Federal Credit Union IRA Rates

3.00%$1k-3 Year IRA CD
2.00%$1k-2 Year IRA CD
1.25%$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 Ste A102Ewa Beach, HI 96706-2268
Branch Office85-866 Farrington HwyWaianae, HI 96792

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