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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
Apple GET - On the App Store


Become a Member
  • 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


    PHFCU 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?

    Everyone 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!).


    Open an Account now!


    • *Membership is a $5 minimum deposit into a Savings Account (waived with e-statements).



    Opening an account is easy! Visit any location, call 808.73.PHFCU (737.4328), or click on the link below: