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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Pearl Hawaii’s Rates

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  • Loan Rates
    • New Auto Loan Rates

      TermsAPR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      2 Year 5.75% 23 payments of $44.21, 1 of $44.00 apply
      3 Year5.75% 35 payments of $30.31, 1 of $30.16 apply
      4 Year5.75% 47 payments of $23.37, 1 of $23.26apply
      5 Year6.00% 59 payments of $19.33, 1 of $19.24 apply
      6 Year6.25%71 payments of $16.69, 1 of $16.60 apply
      7 Year7.50% 83 monthly of $15.34, 1 of $15.24 apply
      8 Year8.50% 95 payments of $14.39, 1 of $14.29 apply

      *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Based upon the loan rate tier received. Up to 105% of MSRP. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. Rates current as of 12/1/23.

      Used Auto Loan Rates

      Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      2 Year 6.50% 23 payments of $44.55, 1 of $44.31 apply
      3 Year 6.50% 35 payments of $30.65, 1 of $30.48 apply
      4 Year6.50% 47 payments of $23.71, 1 of $23.59 apply
      5 Year6.75% 59 payments of $19.68, 1 of $19.57 apply
      6 Year7.25% 71 payments of $17.17, 1 of $17.07 apply
      7 Year8.50% 83 payments of $15.84, 1 of $15.73 apply

      *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Based upon the loan rate tier received. Up to 105% of Kelley Blue Book Karpower Retail Value + /- value of mileage. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. Hawaii registered vehicles only. Vehicles may not be older than 7 model years old. Rates current as of 12/1/23.

      Used Auto Loans (Vehicles between 8 to 12 model years old)

      TermsAPR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      2 Year 6.75% 23 monthly payments of $44.66 + 1 of $44.41 apply
      3 Year6.75% 35 monthly payments of $30.76 + 1 of $30.59 apply
      4 Year7.00% 47 monthly payments of $23.95 + 1 of $23.81apply
      5 Year7.25% 59 monthly payments of $19.92 + 1 of $19.80apply

      *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Based upon the loan rate tier received. Up to 100% of Kelley Bluebook Karpower Retail Value + /- value of mileage. Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. Hawaii registered vehicles only. Vehicles may not be older than 12 model years old. Rates current as of 12/1/23.

      New Motorcycles

      TermsAPR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      2 Year 7.00% 23 monthly payments of $44.77, 1 of $44.51 apply
      3 Year7.00% 35 monthly payments of $30.88, 1 of $30.70 apply
      4 Year7.25% 47 monthly payments of $24.06, 1 of $23.92 apply
      5 Year7.50% 59 monthly payments of $20.04, 1 of $19.91 apply

      *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Up to 100% financing available for up to five (5) years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value (used) and MSRP (new). Motorcycle loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. The primary borrower must be licensed with a valid class 2 operator’s license. Unacceptable security: Mopeds, nopeds, and motor scooters, as well as all off-road vehicles, including but not limited to all-terrain vehicles and dirt bikes. Motorcycles must be registered and licensed in the state of Hawai’i.

      Used Motorcycles

      Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      2 Year 7.50% 23 monthly payments of $45.00, 1 of $44.72 apply
      3 Year7.50% 35 monthly payments of $31.11, 1 of $30.91 apply
      4 Year7.75% 47 monthly payments of $24.30, 1 of $24.14 apply
      5 Year 8.00% 59 monthly payments of $20.28, 1 of $20.14 apply

      *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Up to 100% financing available for up to five (5) years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value (used) and MSRP (new). Motorcycle loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. The primary borrower must be licensed with a valid class 2 operator’s license. Unacceptable security: Mopeds, nopeds, and motor scooters, as well as all off-road vehicles, including but not limited to all-terrain vehicles and dirt bikes. Motorcycles must be registered and licensed in the state of Hawai’i.

    • Contact our mortgage loan officer to find out how you can get started.

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    • Personal

      Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      1 Year8.00%11 monthly payments of $86.99 + 1 of $86.41 apply
      2 Year8.00% special 24 monthly payments of $22.58 apply
      3 Year8.75% 35 monthly payments of $31.68 + 1 of $31.45 apply
      4 Year9.00% 47 monthly payments of $24.89 + 1 of $24.70 apply
      5 Year9.50% 59 monthly payments of $21.00 + 1 of $20.84 apply
      6 Year11.00% 71 monthly payments of $19.03 + 1 of $18.86 apply
      7 Year15.00% 83 monthly payments of $19.30 + 1 of $19.06 apply

      *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Rates are current as of 12/1/23.

      50/50 Loans

      Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      1 Year 3.00% 11 monthly payments of $84.70, 1 of $84.62 apply
      2 Year3.25% 23 monthly payments of $43.10, 1 of $42.88 apply
      3 Year3.50% 35 monthly payments of $29.31, 1 of $29.01 apply

      *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice.

      Overdraft Line-of-Credit

      APR* AS LOW AS Minimum Payment Payment
      11.00% $15.00 5.00% of the outstanding balance apply

      *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice.

      Secured Personal Loan | Savings Secured

      Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      1 Year 1.50% 11 monthly payments of $84.02 & 1 final estimated payment of $83.92 apply
      2 Year2.00% 23 monthly payments of $42.54 & 1 final estimated payment of $42.54 apply
      3 Year2.50% 35 monthly payments of $28.87 & 1 final estimated payment of $28.52 apply
      4 Year3.00% 47 monthly payments of $22.14 & 1 final estimated payment of $21.85 apply
      5 Year3.50% 59 monthly payments of $18.20 & 1 final estimated payment of $17.59 apply
      5 Year Balloon**4.00% 59 monthly payments of $10.13 & 1 estimated balloon payment of $559.47 apply

      *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. **Payments are amortized over 10 years with a balloon payment after 5 years.

      Secured Personal Loan | Auto Secured

      Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      1 Year7.75% 11 monthly payments of $86.87 & 1 of $86.32 apply
      2 Year8.25% 23 monthly payments of $45.34 & 1 of $45.03 apply
      3 Year8.50% 35 monthly payments of $31.57 & 1 of $31.35 apply
      4 Year8.75%47 monthly payments of $24.89 & 1 of $24.70 apply
      5 Year9.25% 59 monthly payments of $20.88 & 1 of $20.72 apply
      6 Year10.75% 71 monthly payments of $18.91 and 1 of $18.74 apply
      7 Year 14.75% 83 monthly payments of $19.16 and 1 of $18.92apply

      *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Rates current as of 12/1/23.

      Secured Personal Loan | Certificate Secured

      APR* AS LOW AS Maximum LimitTerm
      2.00% above interest rate paid by Certificate 90% of PHFCU Certificate pledged as security Maturity Date of Certificate apply

      *Annual Percentage Rate (APR). Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Offer is subject to change or cancellation without prior notice. Rate is subject to change based on current certificate rates as applicable.

    • Credit Cards

      Cards** TypeMin Max APR* AS LOW AS
      PLATINUM Variable$500 $20,000 11.49% - 18.00% apply request increase
      REWARDS PLATINUMVariable$500$20,000 13.49% - 18.00% apply request increase
      CASH BACK PLATINUMFixed$500$30,00018.00% apply request increase
      SECUREDFixed$500$10,000 18.00% apply request increase

      *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. 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.

      **See Credit Card Disclosures for additional information.

  • Savings + Investment Rates
    • Savings

      AccountMinimum Balance APY*
      Pearl Savings $5.000.10% Open
      Jumbo Savings $5.00 | $2,500 to earn advertised APY0.20% Open
      Holiday Savings** $5.000.20%Open
      Secondary Savings $5.000.10% Open
      Momi's Money (Children's Savings)$5.000.10% Open

      *Annual Percentage Yield. Rates are subject to change without prior notice. Savings Rates and terms effective June 3, 2021. Fees could reduce the earnings on the account.

      **Annual Percentage Yield. Deposits can be made to this account between November 1st and October 31st of each year. On November 1st, funds in the account will be transferred to the member’s checking or savings account (if checking is not available). $5.00 minimum balance to open and earn APY. There is a $5.00 fee per withdrawal. Fees could reduce the earnings on the account. Federally insured by NCUA. 

    • Certificates

      Term Minimum Balance APY*
      36 Months $1,000 3.00% Open
      24 Months$1,000 2.00% Open
      14 Month$1,0004.25%**Open
      12 Months $1,000 1.25% Open
      6 months $1,000 1.25% Open
      1-5 Months$1,000 1.25% Open

      *APY = Annual Percentage Yield. The rate is effective October 1, 2023. 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.

      **This offer, including the stated Annual Percentage Yield (APY), is effective October 1, 2023. Promotion and offer may end or change at any time. Promotion is applicable to Pearl Hawaii Certificates and IRA Certificates. The minimum balance is $1000; no maximum balance. Deposits and withdrawals are subject to a seven-calendar-day period. Penalties apply for early withdrawals. Other restrictions may apply. Certificates will automatically renew after the first 14-month term unless the member submits a written notification. Thereafter, the certificate will automatically renew to a 12-month term. Member's loans and accounts must be current. Dividends will be compounded and credited monthly.

    • IRAs

      Type Minimum Balance APY*
      3 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 3.00%
      2 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 2.00%
      1 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 1.25%
      14 Month - IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,0004.25**
      IRA Savings Account (Traditional, Roth, Coverdell Education Savings Account)$5.000.20%

      *Annual Percentage Yield. Rates are subject to change without prior notice. Rates and terms effective June 14, 2023. Fees could reduce the earnings on the account. Penalty for early withdrawal.

      **This offer, including the stated Annual Percentage Yield (APY), is effective June 14, 2023. Promotion and offer may end or change at any time. Promotion is applicable to Pearl Hawaii Certificates and IRA Certificates. The minimum balance is $1000; no maximum balance. Deposits and withdrawals are subject to a seven-calendar-day period. Penalties apply for early withdrawals. Other restrictions may apply. Certificates will automatically renew after the first 14-month term unless the member submits a written notification. Thereafter, the certificate will automatically renew to a 12-month term. Member's loans and accounts must be current. Dividends will be compounded and credited monthly. Federally insured by NCUA.