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Caring for our local community with outstanding service and awesome innovation.
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FOCUS ON YOUR HOME & WE WILL FOCUS ON YOUR LOAN
CONSOLIDATE | RENOVATE | EDUCATE | CELEBRATE
With Pearl Hawaii’s fixed rate HELOC, get your equity to work. Renovate your home, take a vacation, pay for education, consolidate high-interest debt, cover an emergency, or take care of medical and health care expenses.
Home Equity Lines of Credit (HELOC) Fixed Intro Rates
Term APR* AS LOW AS Max Loan Amount up to $300,000. Max Loan to Value up to 80%. 3 Year 6.500% Minimum Monthly Payment of $100.00. apply *LTV - Loan to Value. The Introductory Annual Percentage Rate (APR) of 6.50% for the first 36 months of the Introductory Period. After the Introductory Period, the rate will adjust to the standard annual-adjustable interest rate in accordance with your Home Equity Credit Agreement. The current non-introductory fully indexed variable APR is 7.75% for 80% LTV; rate applicable 4/1/2024 through 3/31/2025. The Current Variable Index Rate shown is current as of 4/1/2024 and will not exceed 18% APR. Total HELOC loan amount received, rate, and terms are subject to credit approval. Offer is valid for qualifying applications to new Home Equity Lines of Credit. Only improved owner-occupant properties on Oahu accepted as collateral. Minimum credit line is $5,000 and the maximum credit lines for an 80% LTV Fee-Simple Owner-Occupied Property, the lesser of $300,000 or 80% LTV minus the balance of your existing mortgage. Refinancing of existing Pearl Hawaii Federal Credit Union Home Equity Lines of Credit is not allowed. Membership required. Borrower must maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property and Pearl Hawaii Federal Credit Union must be a loss payee on your Home Insurance policy. There are no points, pre-payment penalties, or annual fees. Closing Cost Fees that may be incurred: title insurance fee, document preparation fee, SRA\appraisal fee, appraisal review fee, trust review fee, recording fees, application fee, or flood verification fee. Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation and are estimated between $200 to $5,000. For the introductory rate, the initial advance must be $10,000 or more. For the Current Variable Annual Rate, the initial advance must be $1,000 or more. Other conditions and restrictions may apply. Any existing junior liens from financial institutions other than PHFCU must be paid off and may be paid by an initial draw from the new Home Equity Line of Credit account. Visit any of our branches for more information. May not be used for a business loan. The borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Minimum payment for fixed intro rates and for the current variable annual rate is $100.00, NMLS# 472169. Federally insured by NCUA. HELOC EARLY DISCLOSURE.
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YOUR PERSONAL LOAN, YOUR PERSONAL WAY
loans
Personal Loans
Our personal loans come with many options. With a variety of terms and payment plans, you can find a loan for whatever your lifestyle or financial situation needs. We can cover everything from taxes to shiny new smartphones to medical expenses. Ultimately, no matter what your dream or emergency, we want to help you along the way.
- Terms up to 7 years
- Loans from $200 up to $30,000
- Competitive rates
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FOR EVERY NEED... OR WANT.
HIT THE ROAD WITH AN AMAZING AUTO LOAN
New Auto
- New Vehicle Loans – up to 8 Year Terms
- Sign and Drive the Same Day
- Get Pre-Approved and Get a Loan Within Your Budget
- No Prepayment Penalties
- Start Shopping Now
- Learn About Pearl Hawaii’s Auto Loans
- Refinance and Save
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IT’S MORE THAN JUST A CREDIT CARD
BENEFITS
- No Annual Fees
- No Account Set-Up Fee
- No Program Fee
- No Participation Fee
- No Additional Card Fee
- No Application Fee
- No Transaction Fee for Purchases
- No Cash Advance Fee
- No Foreign Transaction Fee
- ID Theft Protection
- Airport Concierge
- Global Service
PRODUCTS
REWARDS PLATINUM
LIFE SHOULD BE REWARDING
What’s better than credit cards with rewards? A rewards card with no annual fees and comfortably low rates. Every purchase adds to your points, which are easy to redeem.
REWARDS
- No Cap on Points Earned
- 1 point per $1 spent
- Gift Cards
- Merchandise – Electronics or appliances from your favorite brands.
- Travel perks – Flights on your favorite airlines, stay at a variety of hotels, and choose from a variety of rental car companies.
- Experiences – Theme Parks, Sporting Events, Concerts, Plus More…
CASH BACK PLATINUM
LET’S GIVE YOU CREDIT
There’s nothing better than cash if you want the flexibility to choose where to use the rewards you earn.
REWARDS
- Up to 2.00% cash back on ALL purchases
- No Cash Back Limit Cap
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TEEN DEBIT & CHECKING
SERVICES
Online Banking, Bill Payment, Mobile App, SnapDeposit, Debit Card or Instant Issue Card, PearlPay Transfers, Exclusive Member Discounts, plus more.
BENEFITS
- Use First Hawaiian Bank ATMs
- Debit Card customization and same day printing with Instant Issue
- An app that gives you complete control and an app where they can manage their own transactions and savings.
- Online Banking that’s customizable so your teen can practice money management
- Learn More about Pearl Hawaii’s Teen Debit & Checking Account
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SAVINGS FOR CHILDREN
MOMI’S MONEY SAVINGS ACCOUNT
- From birth to age 12*
- Start with as little as $5
- Includes a free money bank upon account opening
- Eligible* for a free birthday gift each year or special giveaways during the year
- Comes with free coin sorting services (up to $100 per day)
- Learn more about Momi’s Money
HOLIDAY SAVINGS ACCOUNT
- Earn 0.20% APY while you save
- The minimum balance for interest earnings is only $5.00
- Open any time of the year
- Automatically transfers into your account on October 31st
- Monthly Account Service Fee | None
- Early Closure Penalty | None
- Deposit Limit | None
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CERTIFICATES YOUR WAY
Open with just $1000 and choose your term… With our special certificate rates, you can boost savings for future goals—from down payments on big purchases, to retirement nest eggs and more.
- SET IT & FORGET IT Opening a certificate is easy. Once it’s set up, just watch your savings grow.
- DEPENDABILITY Certificates are a low-risk way to earn more, with fixed-rate returns guaranteed for the entire term of the account.
- SECURITY Get extra peace of mind knowing your money is protected by the NCUA.
MEMBER LINKS
Let's Grow Together...
Certificates
Term Minimum Balance APY* 36 Months $1,000 3.00% Open 24 Months $1,000 2.00% Open 12 Months $1,000 1.25% Open 8 Months $1,000 4.00% Open 6 Months $1,000 1.25% Open 1-5 Months $1,000 1.25% Open *APY = Annual Percentage Yield. The rate is effective 1/29/24. Promotion and offer may end or change at any time. The minimum balance is $1000; no maximum balance. Deposits and withdrawals are subject to a seven-calendar-day grace period after maturity. Fees could reduce the earnings on the account. Penalties apply for early withdrawals. Other restrictions may apply. Federally insured by NCUA. **APY = Annual Percentage Yield. This offer is effective 7/15/24. Promotion and offer may end or change at any time. The minimum balance is $5,000; no maximum balance. Penalties apply for early withdrawals. Fees could reduce the earnings on the account. Other restrictions may apply. Offer is available to only new monies deposited from financial institutions other than Pearl Hawaii. Federally insured by NCUA.
OUR FAMILY HAS GONE TO PEARL HAWAII FOR OUR BANKING NEEDS FOR MANY YEARS BECAUSE, IN OUR EXPERIENCE, THEY ARE OAHU’S BEST BANK. WE LOVE HOW INNOVATIVE THEY ARE AND THEY HAVE LOW AUTO LOAN AND PERSONAL LOAN RATES. THANK YOU PEARL HAWAII! YOU GUYS ARE AWESOME!
Jose + Kelly
Open your accountUpgrade you.
Building trust, nurturing dreams, inspiring hope.
Bank on great service and financial products. At Pearl Hawaii, we are banking with oomph. From home or car loans to Hawaii’s most innovative banking services, Pearl Hawaii is committed to you. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at MyFamily@phfcu.com. Upgrade you.
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