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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
    • Click here for Vehicle Loan Specials

      New Auto Loan Rates

      TermsAPR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      2 Year 2.19% 23 payments of $42.63, 1 of $42.45 apply
      3 Year2.19% 35 payments of $28.73, 1 of $28.53 apply
      4 Year2.49% 47 payments of $21.91, 1 of $21.90 apply
      5 Year2.74% 59 payments of $17.86, 1 of $17.43 apply
      6 Year3.74%71 payments of $15.53, 1 of $15.31 apply
      7 Year4.49% 83 monthly of $13.90, 1 of $13.41 apply
      8 Year6.49% 95 monthly of $13.39, 1 of $12.17 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 120% 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.

      Used Auto Loan Rates

      Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      2 Year 2.19% 23 payments of $42.63, 1 of $42.45. apply
      3 Year 2.19% 35 payments of $28.73, 1 of $28.53 apply
      4 Year2.74% 47 payments of $22.02, 1 of $21.96 apply
      5 Year2.99% 59 payments of $17.97, 1 of $17.58 apply
      6 Year3.74% 71 payments of $15.53, 1 of $15.31 apply
      7 Year4.74% 83 payments of $14.02, 1 of $13.17 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 120% 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.

      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 2.69% 23 monthly payments of $42.85 + 1 of $42.63 apply
      3 Year2.69% 35 monthly payments of $28.95 + 1 of $28.65 apply
      4 Year3.24% 47 monthly payments of $22.24 + 1 of $22.23 apply
      5 Year3.49% 59 monthly payments of $18.19 + 1 of $18.02 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 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.

      New Motorcycles

      TermsAPR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      2 Year 4.25% 23 monthly payments of $43.54, 1 of $43.44 apply
      3 Year4.50% 35 monthly payments of $29.75, 1 of $29.61 apply
      4 Year4.75% 47 monthly payments of $22.92, 1 of $22.75 apply
      5 Year5.25% 59 monthly payments of $18.99, 1 of $18.68 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 4.75% 23 monthly payments of $43.76, 1 of $43.74 apply
      3 Year5.00% 35 monthly payments of $29.98, 1 of $29.66 apply
      4 Year5.25% 47 monthly payments of $23.15, 1 of $22.74 apply
      5 Year 6.25% 59 monthly payments of $19.45, 1 of $19.39 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.

      Click here for HELOC Specials

       

      Home Equity Lines of Credit

      Type APR* AS LOW AS Based on an A-Tier rate of $10,000
      80% Annual Adjustable 4.00% Annual Adjustable Rate applicable 4/1/2022 through 3/31/2023. Thereafter, the interest rate will adjust in accordance with the terms of the Credit Agreement. Max Loan Amount up to $300,000. Max Loan to Value up to 80% . 121 payments of $100.00 and 1 estimated final payment of $85.11. apply
      90% Annual Adjustable 4.00% Annual Adjustable Rate applicable 4/1/2022 through 3/31/2023. Thereafter, the interest rate will adjust in accordance with the terms of the Credit Agreement. Max Loan Amount up to $150,000. Max Loan to Value up to 90%. 121 payments of $100.00 and 1 estimated final payment of $85.11. 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. It 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. Only improved owner-occupant properties on Oahu accepted as collateral. You must maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures your Home Equity Line of Credit Agreement. PHFCU must be listed as a loss payee on the Home Insurance policies. There are no points, pre-payment penalties, or annual fees. Closing Cost Fees that may be incurred: application fee, title insurance fee, document preparation fee, SRA\appraisal fee, appraisal review fee, trust review fee, recording fees, flood verification fee. Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation. Payment example does not include possible fees, insurance, or closing costs that may occur and will range dependent on your situation. Maximum loan amount: $300,000. The borrower must be 18 years of age or older. NMLS 472169. HELOC EARLY DISCLOSURE.

      HELOC Fixed Advances

      Term Based on an A-Tier rate of $10,000 (Owner Occupied Properties)
      1 Year Call 808-737-4328 (73-PHFCU) for Current Rate apply
      2 YearCall 808-737-4328 (73-PHFCU) for Current Rate apply
      3 YearCall 808-737-4328 (73-PHFCU) for Current Rate apply
      5 YearCall 808-737-4328 (73-PHFCU) for Current Rate apply
      7 YearCall 808-737-4328 (73-PHFCU) for Current Rate apply
      15 YearCall 808-737-4328 (73-PHFCU) for Current Rate 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. The borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Only improved residential properties on Oahu accepted as collateral. PHFCU must be listed as a loss payee on the Home Insurance policy. There are pre-payment penalties or annual fees. Fees that may be incurred: application fee, title insurance fee, document preparation fee, SRA\appraisal fee, tax verification fee, trust review fee, recording fees, or flood verification fee. Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation. Average Closing Cost: $800.00-$1500.00 and may vary dependent on the personal financial situation. Maximum loan amount: $625,500. May not be used for a business loan. The borrower must be 18 years of age or older. You must maintain broad form hazard insurance on the property, listing PHFCU as a loss payee. NMLS 472169. For HELOC Fixed Rate Advances: Initial advance must be at least $1000.00, subsequent advances must be at least $250.00. Up to 4 separate loans (1 adjustable rate line-of-credit and up to 3 fully amortized fixed rate advances) can be active at a time for up to a 15-year term. The total outstanding balance cannot exceed the total approved available credit amount. The total HELOC loan amount received, rate, and terms are subject to credit approval. Annual Adjustable Rate and Semi-Annual Adjustable Rate will adjust in accordance with Loanliner Home Equity Credit Agreement, but will not exceed 18% APR. NMLS 472169. Rate includes United States Treasury Security (USTS) plus a margin. USTS changes daily and is disclosed on USTS' website. Rates may change at any time. If USTS adjusts, the borrower will receive the lower interest rate quoted (during loan application or loan closing). Must have an existing or new Home Equity Line of Credit. HELOC EARLY DISCLOSURE.

      Mortgage Loans

      Fixed Rate Term RatePointsAPR* As Low As Term (months)Payment Example Based on A-Tier rate of $100,000 Total PaymentsTotal Interest
      7 Year Owner Occupied3.000%0.003.111%84$1,321.31 $110,989.69 $10,989.69apply
      7 Year Investment 3.000%0.003.111%84$1,321.31$110,989.69 $10,989.69apply
      12 Year Investment 4.500%0.004.569%144 $899.99 $129,598.03$29,598.03apply
      15 Year First Mortgage Owner Occupied 4.500%1.004.709%180$764.99$137,698.79$39,079.68apply
      15 Year First Mortgage Owner Occupied4.750%0.004.808%180$777.83$140,009.75$40,390.64apply
      15 Year Second Mortgage Owner Occupied4.875%1.005.086%180$784.30$141,173.54$42,554.43apply
      15 Year Second Mortgage Owner Occupied5.125%0.005.183%180$797.32$143,517.68$43,898.57apply
      20 Year First Mortgage Owner Occupied4.50%2.004.784%240$632.65$151,835.85$54,216.74apply
      20 Year First Mortgage Owner Occupied4.850%0.004.895%240$651.70$156,407.43$56,788.32apply
      20 Year Second Mortgage Owner Occupied4.875%2.005.163%240$653.07$156,736.81$59,117.70apply
      20 Year Second Mortgage Owner Occupied5.225%0.005.271% 240$672.45$161,387.60 $61,768.49apply
      30 Year Mortgage- Owner Occupied, First Liens5.250% 1.005.374% 360$552.20$198,793.33 $100,174.22apply
      30 Year Mortgage- Owner Occupied, First Liens5.500%0.005.535% 360$567.79$204,404.04$104,784.93apply

      *Annual Percentage Rate (APR). Rates are subject to change without prior notice. 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. Rates are current as of 8/26/22.

      NMLS 472169. HELOC EARLY DISCLOSURE. Promotion is subject to change or cancellation without prior notice. Only improved residential properties on Oahu are accepted as collateral.

      Payment examples do not include possible fees, insurance, or closing costs that may occur and will range dependent on your situation.

      FEES
      There are no pre-payment penalties or annual fees. Fees that may be incurred: application fee, title insurance fee, document preparation fee, SRA\appraisal fee, tax verification fee, trust review fee, recording fees, or flood verification fee.

      Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation. Average Closing Cost: $800.00-$1500.00 and may vary dependent on the personal financial situation. You must maintain broad form hazard insurance on the property, listing PHFCU as a loss payee.

      Maximum loan amount: $765,600.

       

    • Personal

      Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      1 Year 3.50%12 monthly payments of $84.91 apply
      2 Year4.50% 23 monthly payments of $43.42; 1 of $43.34 apply
      3 Year5.50% 35 monthly payments of $30.20 + 1 of $30.02 apply
      4 Year6.50% 47 monthly payments of $23.71 + 1 of $23.68 apply
      5 Year7.50% 59 monthly payments of $20.04 + 1 of $19.82 apply
      6 Year9.00% 71 monthly payments of $18.03 + 1 of $17.51 apply
      7 Year10.00% 83 monthly payments of $16.61 + 1 of $15.45 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.

      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 Year3.25% 11 monthly payments of $84.81 & 1 final estimated payment of $84.77 apply
      2 Year4.25% 23 monthly payments of $43.54 & 1 final estimated payment of $43.39 apply
      3 Year5.25% 35 monthly payments of $30.09 & 1 final estimated payment of $29.78 apply
      4 Year6.25%47 monthly payments of $23.60 & 1 final estimated payment of $23.55 apply
      5 Year7.25% 59 monthly payments of $19.92 & 1 final estimated payment of $19.80 apply
      6 Year8.75% 71 monthly payments of $17.91 and 1 final estimated payment of $17.06 apply
      7 Year 9.75% 83 monthly payments of $16.48 and 1 final estimated payment of $15.49 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 | 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). 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.

      Rate is subject to change based on current certificate rates as applicable.

    • Credit Cards

      Cards** 6 Month Promotional APR* TypeMin Max APR* AS LOW AS
      PLATINUM 2.022% & 0% on Balance TransfersVariable$500 $20,000 6.24% + Prime apply request increase
      REWARDS PLATINUM2.022% & 0% on Balance TransfersVariable$500$20,000 8.24% + Prime apply request increase
      CASH BACK PLATINUM2.022% & 0% on Balance Transfers Fixed$500$30,00018.00% apply request increase
      SECURED-Fixed$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. The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on Pearl Hawaii Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. APR for Balance Transfers - 0.00% Introductory APR for a period of six billing cycles. After the 6 months promotional period, a card will revert to the approved Tier-Rate. Secured Credit Cards do not qualify for this offer.

      **See Visa Credit Card Disclosures for additional information.

  • Savings + Investment Rates
    • Savings

      AccountMinimum Balance APY*
      Regular 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 0.65% Open
      24 Months$1,000 0.50% Open
      20 Months$1,0001.25%**Open
      12 Months $1,000 0.45% Open
      6 months $1,000 0.25% Open
      30 to 179 days $1,000 0.20% Open

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

      ***APY = Annual Percentage Yield. Limit one Special 20-Month Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective September 1, 2022. 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 20-month term unless the member submits a written notification. Thereafter, the certificate will automatically renew to a 12-month term. Member's loans and accouts must be current. Dividends will be compounded and credited monthly. Federally insured by NCUA.

    • IRAs

      Type Minimum Balance APY*
      3 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 0.65%
      2 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 0.50%
      20 Month - IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$10001.25%**
      1 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 0.45%
      IRA Savings Account (Traditional, Roth, Coverdell Education Savings Account)$0.010.20%

      *Annual Percentage Yield. Rates are subject to change without prior notice. Rates and terms effective August 24, 2020. Fees could reduce the earnings on the account. Penalty for early withdrawal.

      ***APY = Annual Percentage Yield. Limit one Special 20-Month Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective September 1, 2022. 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 20-month term unless the member submits a written notification. Thereafter, certificate will automatically renew to a 12 month term. Member's loans and accouts must be current. Dividends will be compounded and credited monthly. Federally insured by NCUA.