Q: How do I open an account

Visit any location, call 808.73.PHFCU (737.4328), or click on the link below:


Q: Who is eligible to join Pearl Hawaii Federal Credit Union?

A: Pearl Hawaii Federal Credit Union membership is available to individuals who live, work, attend school, and worship on the island of O’ahu. Immediate family members (e.g., grandparents, parents, siblings, spouse, children, grandchildren), household members, and spouses of individuals who died while within the field of membership also qualify. Additionally, any step or adoptive relationships also qualify.

Q: How do I join Pearl Hawaii Federal Credit Union?

A: To join the credit union, you must complete a membership application and make a deposit of at least $5 (which must remain in your account as long as you are a member). This deposit represents your "share" of ownership in the credit union and provides access to all of our products and services.

Q: Once I become a member, can family members join, too?

A: Yes! Membership is open to all family members, including your spouse, children, parents, siblings, grandchildren, and grandparents. Your family members can join us even if they live out of our geographic area.

Q: Are my stepchildren eligible for membership?

A: Yes, children (natural, adopted, step) are eligible for membership.


Q: What is a credit union?

A: A credit union is a member-owned financial cooperative. As a not-for-profit cooperative institution, a credit union use excess earnings to offer members affordable loans, a higher return on savings, lower fees or new products and services. A credit union is operated entirely by and for their members. Once you deposit money in a credit union, you become a member since your deposit represents your ownership share in the credit union.

Q: Is a credit union like a bank?

A: In some ways, yes. That is, a credit union offers a wide variety of financial services comparable to a commercial bank. However, unlike other financial institutions, a credit union is owned and operated by its members who save and borrow there. There are no outside stockholders. Our board of directors is made up of unpaid volunteers who are elected from and by our membership. As a not-for-profit financial cooperative, earnings are returned to members in the form of rebates, dividends, lower loan rates, higher interest rates on deposits, and fewer fees.

Q: Do credit unions pay taxes?

A: Credit unions do pay taxes - payroll, sales, and property taxes. However, Congress exempts credit unions from federal income taxes. Credit unions are unique and different from other financial institutions, and we are a vital financial choice for over 91 million Americans and 186 million members worldwide.

Q: Is my money safe?

A: Yes -- your money is safe! Credit Unions are strictly regulated financial institutions. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency.


Q: How do I add a joint owner to my account?

A: If you are opening your account(s) with a joint owner/co-applicant, they must be present during the enrollment process in order to validate their identity. If they are not available, open your account as an individual and request the appropriate application(s) to have a co-applicant added at a later date.

Q: Can I have more than one savings or checking account?

A: There is no limit to the number of savings or checking accounts you can establish.

Q: What is Pearl Hawaii Federal Credit Union’s Routing/Transit Number?

A: Our routing number is 321380328.

Q: How long must I be a member before I can apply for a loan?

A: You are welcome to apply for a loan at any time.

Q: Do I have to close my credit union account if I leave my job or move out of the area?

A: No -- when you join Pearl Hawaii Federal Credit Union, your membership is good for life, no matter where you live or work, as long as you maintain your accounts in good standing. With Internet Banking, Online Bill Pay, Visa Check Card, Direct Deposit, Member Telephone Service and Shared Branching, it is easy to access your account even if you move far away!

Q: How do I make deposits into my accounts?

A: You can make deposits in person, by mail, through an electronic ACH transaction, or automatically through direct deposit/payroll deduction.

Q: What does Direct Deposit and Payroll Deduction mean?

A: If you work for a company that offers Payroll Deduction, you can have part of your check deposited automatically into your accounts. Some employers allow Direct Deposit, which deposits your entire paycheck directly into your Pearl Hawaii Federal Credit Union account on payday. In addition, Social Security, pension or any other recurring federal payments can be deposited directly into your account.

Q: How do I sign up for Direct Deposit or Payroll Deduction?

A: In most cases, you can contact your employer's Payroll/Human Resources Department to sign up for either of these services. You will need your Pearl Hawaii Federal Credit Union account number and routing # 321380328.

Q: What is PHFCUOnline?

A: PHFCU Online is our FREE online banking service, which is a secure, easy way to access your accounts 24 hours a day, 7 days a week. You can view account balances, check transaction history, make transfers & loan payments, view cleared checks, withdraw funds by check, and much more. You can also pay all of your bills directly from your checking account without having to write and mail checks. View your payment history and make payments all on one screen. For details, visit: Your Online Branch.

Q: What is the Member Telephone Service?

A: Member Telephone Service (MTS) is another FREE service that gives you fast access to your accounts using a touch-tone telephone. Transfer money, check balances, request a check withdrawal, make loan payment calculations, and more. Call 808-73-PHFCU (737-4328) to access this service. For instructions, please download MTS Instructions

Q: What ATMs can I use?

A: Pearl Hawaii Federal Credit Union utilizes First Hawaiian's ATM network. For a complete list, visit: ATM Locations