Pearl Hawaii Wealth Advisors

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At Pearl Hawaii Federal Credit Union, you can open a Savings Certificate with a minimum deposit of only $1,000.  Choose the term you want and receive a premium rate on your funds. 

Minimum Deposit: $1,000
Term: Any maturity date between 30 days and 3 years.
Early Withdrawal Penalty: The penalty we may impose will be the greater of seven days of dividends on the amount withdrawn or all dividends that have been earned not to exceed 90 days.

Earned Interest: Paid at maturity; if requested, interest may be paid on a monthly basis, automatically credited to your Savings Account.

Renewal: May be renewed for another term at the rate of interest offered at the time of renewal.

Collateral for Loans: You may borrow up to 90% of your pledged Savings Certificate.

Savings Certificates


Minimum Balance


3 years $1,000 1.35%
2 Years $1,000 1.20%
1 Year $1,000 1.00%
6 months $1,000 0.75%
30 to 179 days $1,000 0.30%

*Annual Percentage Yield. Rates are subject to change without prior notice. Savings rates and terms effective April 1, 2017. Fees could reduce the earnings on the account. Penalty for early withdrawal of Savings and IRA Certificates.