Upgrade you.

OUR MISSION + VISION

Caring for our local community with outstanding service and awesome innovation.  

OUR PURPOSE

Building trust, nurturing dreams, inspiring hope. One meaningful experience at a time.  

YOU COME FIRST AT PEARL HAWAII

When you join Pearl Hawaii, you are not just an account number. Pearl Hawaii Federal Credit Union is a not-for-profit financial cooperative, which means that all of our members are also owners.

Our members-first philosophy has always served us well. With nearly 90 years of history, Pearl Hawaii Federal Credit Union is one of the largest financial institutions in Hawaii. Our excellent online and mobile banking services, combined with our full suite of competitive products, make banking simpler for our members.

STRONG HISTORY, SECURE PHILOSOPHY, SOUND PRACTICES…

AND A LOT OF FUN ALONG THE WAY

Established in 1937, Pearl Hawaii Federal Credit Union is one of Oahu’s largest credit unions with $440 million in assets, 32,000 members, 6 branches, and 70 employees. Pearl Hawaii is a leader and award winner in innovation, member satisfaction, branch services, digital services, fraud detection, charitable giving, financial advice, and as a leading employer.  The credit union serves everyone who lives, works, attends school, and worships on Oahu and their families.

WE HAVE BUILT A FOUNDATION OF COMMUNITY, SERVICE, AND BENEFITS

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.

WE AREN’T LIKE MOST BANKS OR OTHER FINANCIAL INSTITUTIONS

We treat your well earned money like it’s… well… yours! Our members are our friends and family. We are famous for creating products when people need it- from long term auto loans, to creating solutions to save Oahu’s people from predatory lenders, and with helping furloughed members by giving then emergency loans and deferred loan payments. Regardless of the hardship- we have been there for you!

WE CHANGE LIVES

Community is important to us. We have held free car washes and green events, engaged Hawaii’s children through plays and activities to promote financial literacy, walked for breast cancer, passed out and donated free school supplies to the underserved and… well…  at Pearl Hawaii Federal Credit Union, we are about finding solutions to help each member and improve our community.

It shows in the way we treat our members. After all, we are member-owned. So, thank you! Without you, there is no PHFCU. Our commitment shows in our public involvement. Here’s a few of the organization we currently sponsor:

• Hawaii Food Bank
• Kapiolani Medical Center Children’s Miracle Network
• Special Olympics of Hawaii
• American Cancer Association
• Pearl Harbor Naval Shipyard Apprentice Program
• Local Schools
• Waianae Rotary Club

We actively promote the credit union difference by educating our community, serving as volunteers, and by serving as leaders in national and local credit union organizations. We love what we do, and we love making a difference.

WE ARE BANKING, BUT WITH OOMPH

Pearl Hawaii is rewriting the script in the financial services industry. The truth is, the next time you visit your nearest branch, you might just stumble upon some extremely happy members. Cashing a check or making a loan payment has never been so entertaining.

WHO CAN OPEN AN ACCOUNT?

All you need is $5.00* and a dream (and happen to meet one of the criteria below).

• Live, work, worship, or attend school on O’ahu.
• Be a family member of someone who lives, works, worships, or attends school on O’ahu (i.e., spouse, child, parent, grandparent, grandchild, sibling, or even related through a step, adoptive, or foster relationship).
• Be a household member of someone who lives, works, worships or attends school on O’ahu (For example, your son attends school on Oahu but you live on another island or in another state- you still can join!).
• Open an account online if that is easier or visit us in Honolulu, Waipio, Waianae, Ewa, near the Airport, or on Pearl Harbor if you want to see a smiling face.

A LITTLE BACKSTORY

1937 –  Pearl Hawaii Federal Credit Union (Pearl Hawaii, PHFCU, formerly Pearl Harbor Federal Credit Union) was founded when six credit unions were organized and chartered to service the civilian employees of Pearl Harbor according to their respective areas of membership.

1945 – WWII ends, creating economic increase & more demand for credit union services.

1952 – Growth leads credit union officers & government officials to meet; they decide to consolidate original 6 shipyard branches into one central office.

1955 – Pearl Harbor Federal Credit Union merger finalizes with all six of the shipyard credit unions became one entity. During this time, membership was at 4,300, savings at $872,000, loans at $593,000, assets at $927,000, and membership was limited to the civilians who worked on Pearl Harbor.

1961 – The field of membership was expanded to include the individuals in the military stationed on Pearl Harbor and membership increased rapidly.

1963 – PHFCU rose to the top-ranking credit union in the state of Hawaii with assets over $4 million, membership at 10,000, savings at $3,650,000, and loans of $2,678,000.

1965 – NCUA applauds PHFCU as first credit union in the region to provide educational loans under Education Act of 1965.

1987 – During the 50^th anniversary, PHFCU reached $84 million in assets. During this year, PHFCU strived again ahead of other credit unions by entering the market of 2^nd mortgages, planning for an offsite branch, and gave members the convenience of accessing their accounts from home by a telephone.

1993 – Duty Free Shoppers Federal Credit Union merged with PHFCU.

2001 – September 11th leads executives to an action plan to help members regain access to & protect funds; decision made to build a more widely accessible facility on Oahu.

2005 – Waipio main office opens its doors. PHFCU obtained a Community Charter, which allowed the Credit Union to service individuals who live, work, attend school, and worship on the island of O’ahu.

2009- Kokua Federal Credit Union merged with PHFCU.

2014 – Pearl Harbor Federal Credit Union changes its name, logo, and branding and became Pearl Hawaii Federal Credit Union.

2022 – Pearl Hawaii celebrates providing financial services and banking in Hawaii for 85 years.

2018– West Oahu Federal Credit Union merged with PHFCU.

TODAY – Pearl Hawaii is one of the leading financial institutions on Oahu and in Hawaii State. Within the last few years, Pearl Hawaii had many new beginnings and developed in many areas, including new technologies, marketing, services, and lending.

AFFILIATIONS

• National Credit Union Administration (NCUA)
• Defense Credit Union Council (DCUC)
• National Association of Federally Insured Credit Unions (NAFCU)
• The Armed Forces Financial Network (AFFN)
• Credit Union National Association (CUNA)
• Hawaii Credit Union League (HCUL)

COMMITMENT |  COMMUNITIES WE SERVE | FAQs

SERVICES

HOME LOANS | PERSONAL LOANS | AUTO LOANS | CREDIT CARDS | SAVINGS | CHECKING | CERTIFICATES (CDS) | ACCESS | MEMBER OFFERS  | FINANCIAL EDUCATION | BENEFITS & SERVICES

GET STARTED

OPEN AN ACCOUNT |  APPLY FOR A LOAN | PEARL HAWAII WEALTH ADVISORS

ACCESS

BANKING FROM HOME | DOWNLOAD OUR APP | LOGIN INSTRUCTIONS

DEPOSIT A CHECK | PAY WITH YOUR DEVICE | CERTIFICATE TRANSFER | DEBIT  CARD REQUEST

FIND AN ATM | ORDER CHECKS | UPGRADE (PEARL HAWAII’S BLOG)

Upgrade you.

Building trust, nurturing dreams, inspiring hope. 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.

COMMUNITIES | FAQs | JOIN | JOBS | THE PEARL | UPGRADE | BENEFITS & SERVICES

UPGRADE YOU.

Building trust, nurturing dreams, inspiring hope. 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 or email us at MyFamily@phfcu.com.

COMMUNITIES | FAQs | JOIN | JOBS |UPGRADE|BENEFITS & SERVICES

UPGRADE YOU.

Building trust, nurturing dreams, inspiring hope. 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.

COMMUNITIES | FAQs | JOIN | JOBS | UPGRADE | BENEFITS & SERVICES

UPGRADE YOU.

Building trust, nurturing dreams, inspiring hope. 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.

COMMUNITIES | FAQs | JOIN | JOBS | UPGRADE | BENEFITS & SERVICES

PEARL HAWAII’S NEWSLETTER

2024

APRIL 2024

website pdf

2023

DECEMBER 2023
website pdf

SEPTEMBER 2023
website pdf

RELEASES

• Making Strides for Breast Cancer |  Donate to Help
• Love For Maui | Donate
• Financial Literacy Free to Oahu
• SVB and Signature Bank Response
• Pearl Hawaii makes Forbes’ Best Banks & Credit Unions

ANNUAL REPORT

• 2022 Annual Report

In order to provide you with the most up-to-date news, Pearl Hawaii Federal Credit Union has transitioned our newsletter to email.  The Pearl, the newsletter of Pearl Hawaii Federal Credit Union, provides useful information about managing your personal finances while keeping you informed about everything we’re doing to enhance your credit union experience. Also, you can check out Upgrade, Pearl Hawaii’s Blog, which keeps you updated on all our news, events, products, and also offers useful tips.

UPGRADE YOU.

Building trust, nurturing dreams, inspiring hope. 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.

COMMUNITIES | FAQs | JOIN | JOBS | UPGRADE | BENEFITS & SERVICES

WAIPIO MAIN OFFICE

• WAIPAHU  (KOA RIDGE, WAIPIO, WAIKELE)
• MILILANI
• WAHIAWA
• WHITMORE VILLAGE
• NORTH SHORE (WAIMEA,  PUPUKEA, SUNSET BEACH)
• MOKULEIA
• HALEIWA
• WAIALUA
• PEARL CITY (PACIFIC PALISADES, WAIMALU, WAIAU)

EWA BRANCH

• EWA BEACH (WEST LOCH, IROQUOIS POINT, OCEAN POINTE)
• KAPOLEI
• BARBERS POINT
• KUNIA
• MAKAKILO
• KOOLINA

WAIANAE BRANCH

• WEST OAHU
• MAKAHA
• MA’ILI
• NANAKULI

HONOLULU BRANCH

• HAWAII KAI
• KAHALA
• KAIMUKI
• AINA HAINA
• ALA MOANA
• WARD
• WAIKIKI
• WAIMANALO

AIRPORT BRANCH

• AIRPORT AREA
• AIEA
• PEARL RIDGE
• KALIHI
• HALAWA
• SALT LAKE
• KANEOHE
• KAILUA

PEARL HARBOR

• FORD ISLAND
• JOINT BASE PEARL HARBOR HICKAM (JBPHH)
• PEARL HARBOR
• HICKAM

WHY JOIN? 

Because banking doesn’t have to be blah.

WE AREN’T LIKE MOST PLACES

We treat your well earned money like its… well… yours! Our members are our friends and family. We are famous for creating products when people need it- from low rate auto loans, to creating a payday loan solution to save Oahu’s people from predatory lenders, and with helping furloughed members by giving then emergency loans and deferred loan payments. Regardless of the hardship- we have been there for you!

WE CHANGE LIVES

Community is important to us. We sing carols to seniors during the holidays, hold free car washes and green events, actively engage Hawaii’s children through plays and activities to promote financial literacy and… well… At Pearl Hawaii Federal Credit Union we are about finding solutions to help each member.

WE ARE BANKING, BUT WITH OOMPH

Pearl Hawaii is rewriting the script in the financial services industry. The truth is, the next time you visit your nearest branch, you might just stumble upon some extremely happy members. Cashing a check or making a loan payment has never been so entertaining.

WHO CAN JOIN? 

You can join! All you need is $5.00* and a dream (and happen to meet one of the criteria below).

• Live, work, worship, or attend school on O’ahu.
• Be a family member of someone who lives, works, worships, or attends school on O’ahu (i.e., spouse, child, parent, grandparent, grandchild, sibling, or even related through a step, adoptive, or foster relationship).
• Be a household member of someone who lives, works, worships or attends school on O’ahu (For example, your son attends school on Oahu but you live on another island or in another state- you still can join!).

HOW DO I OPEN AN ACCOUNT?

Opening an account is easy! Visit any location, call 808.73.PHFCU (737.4328), or open an account online.