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Loan Rates
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Click here for Vehicle Loan Specials
New Auto Loan Rates
Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment) 2 Year 4.25% 23 payments of $43.54, 1 of $43.38 apply 3 Year 4.25% 35 payments of $29.64, 1 of $29.53 apply 4 Year 4.25% 47 payments of $22.69, 1 of $21.61 apply 5 Year 4.25% 59 payments of $18.53, 1 of $18.46 apply 6 Year 4.50% 71 payments of $15.87, 1 of $15.81 apply 7 Year 5.50% 83 monthly of $14.37, 1 of $14.30 apply 8 Year 8.00% 95 payments of 14.14, 1 of $14.04 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.
Used Auto Loan Rates
Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment) 2 Year 4.50% 23 payments of $43.65, 1 of $43.48 apply 3 Year 4.50% 35 payments of $29.75, 1 of $29.64 apply 4 Year 4.50% 47 payments of $22.80, 1 of $22.72 apply 5 Year 4.50% 59 payments of $18.64, 1 of $18.57 apply 6 Year 5.00% 71 payments of $16.10, 1 of $16.04 apply 7 Year 6.25% 83 payments of $14.73, 1 of $14.65 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.
Used Auto Loans (Vehicles between 8 to 12 model years old)
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 $43.59 apply 3 Year 4.75% 35 monthly payments of $29.86 + 1 of $29.74 apply 4 Year 5.00% 47 monthly payments of $23.03 + 1 of $22.93 apply 5 Year 5.00% 59 monthly payments of $18.87 + 1 of $18.79 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
Terms APR* 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 Year 4.50% 35 monthly payments of $29.75, 1 of $29.61 apply 4 Year 4.75% 47 monthly payments of $22.92, 1 of $22.75 apply 5 Year 5.25% 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 Year 5.00% 35 monthly payments of $29.98, 1 of $29.66 apply 4 Year 5.25% 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.
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Personal
Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment) 1 Year 4.50% 11 monthly payments of $85.39 + 1 of $85.31 apply 2 Year 5.50% 23 monthly payments of $44.10; 1 of $43.91 apply 3 Year 5.75% 35 monthly payments of $30.31 + 1 of $30.19 apply 4 Year 6.75% 47 monthly payments of $23.83 + 1 of $23.73 apply 5 Year 7.75% 59 monthly payments of $20.16 + 1 of $19.78 apply 6 Year 9.00% 71 monthly payments of $18.03 + 1 of $17.38 apply 7 Year 10.00% 83 monthly payments of $16.60 + 1 of $16.42 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 Year 3.25% 23 monthly payments of $43.10, 1 of $42.88 apply 3 Year 3.50% 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 Year 2.00% 23 monthly payments of $42.54 & 1 final estimated payment of $42.54 apply 3 Year 2.50% 35 monthly payments of $28.87 & 1 final estimated payment of $28.52 apply 4 Year 3.00% 47 monthly payments of $22.14 & 1 final estimated payment of $21.85 apply 5 Year 3.50% 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 Year 4.25% 11 monthly payments of $85.26 & 1 of $85.23 apply 2 Year 5.25% 24 monthly payments of $43.98 apply 3 Year 5.70% 35 monthly payments of $30.29 & 1 of $30.03 apply 4 Year 6.75% 47 monthly payments of $23.83 & 1 of $23.73 apply 5 Year 7.50% 59 monthly payments of $20.04 & 1 of $19.65 apply 6 Year 8.75% 71 monthly payments of $17.90 and 1 of $17.82 apply 7 Year 9.75% 83 monthly payments of $16.47 and 1 of $16.43 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 Limit Term 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.
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Credit Cards
Cards** 6 Month Promotional APR* Type Min Max APR* AS LOW AS PLATINUM 2.022% Variable $500 $20,000 6.24% + Prime apply request increase REWARDS PLATINUM 2.022% Variable $500 $20,000 8.24% + Prime apply request increase CASH BACK PLATINUM 2.022% Fixed $500 $30,000 18.00% 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.
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Savings + Investment Rates
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Savings
Account Minimum Balance APY* Regular Savings $5.00 0.10% Open Jumbo Savings $5.00 | $2,500 to earn advertised APY 0.20% Open Holiday Savings** $5.00 0.20% Open Secondary Savings $5.00 0.10% Open Momi's Money (Children's Savings) $5.00 0.10% 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.
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Certificates
Term Minimum Balance APY* 36 Months $1,000 0.65% Open 24 Months $1,000 0.50% Open 14 Month $1000 3.00%** Open 20 Month $1000 1.25%*** Open 12 Months $1,000 0.45% Open 6 months $1,000 0.25% Open 30 to 179 days $1,000 0.20% Open *APY = Annual Percentage Yield. The rate is effective November 9, 2022. 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 period. Penalties apply for early withdrawals. Other restrictions may apply. Federally insured by NCUA.
**This offer, including the stated Annual Percentage Yield (APY), is effective November 9, 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 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.
***This offer, including the stated Annual Percentage Yield (APY), is effective October 25, 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 accounts must be current. Dividends will be compounded and credited monthly.
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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% 14 Month - IRA Certificate (Traditional, Roth, Coverdell Education Savings Account) $1,000 3.00** 20 Month - IRA Certificate (Traditional, Roth, Coverdell Education Savings Account) $1000 1.25%*** 1 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account) $1,000 0.45% IRA Savings Account (Traditional, Roth, Coverdell Education Savings Account) $0.01 0.20% *Annual Percentage Yield. Rates are subject to change without prior notice. Rates and terms effective November 9, 2022. Fees could reduce the earnings on the account. Penalty for early withdrawal.
**This offer, including the stated Annual Percentage Yield (APY), is effective November 9, 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 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.
***This offer, including the stated Annual Percentage Yield (APY), is effective October 25, 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 accounts must be current. Dividends will be compounded and credited monthly. Federally insured by NCUA.
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