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Loan Rates
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Click here for Vehicle Loan Specials
New Auto Loan Rates
Terms APR* Payment Example (Based on $1000; Monthly with 1 estimated final payment) 2 Year 2.19% 23 payments of $42.63, 1 of $42.45 3 Year 2.19% 35 payments of $28.73, 1 of $28.53 4 Year 2.49% 47 payments of $21.91, 1 of $21.90 5 Year 2.74% 59 payments of $17.86, 1 of $17.43 6 Year 3.49% 71 payments of $15.31, 1 of $14.66 7 Year 4.24% 83 monthly of $13.67, 1 of $13.20 8 Year 6.49% 95 monthly of $13.39, 1 of $12.17 *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* Payment Example (Based on $1000; Monthly with 1 estimated final payment) 2 Year 2.19% 23 payments of $42.63, 1 of $42.45. 3 Year 2.19% 35 payments of $28.73, 1 of $28.53 4 Year 2.49% 47 payments of $21.91, 1 of $21.90 5 Year 2.74% 59 payments of $17.86, 1 of $17.43 6 Year 3.49% 71 payments of $15.31, 1 of $14.66 7 Year 4.49% 83 payments of $13.90, 1 of $13.44 *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)
Terms APR* 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 3 Year 2.69% 35 monthly payments of $28.95 + 1 of $28.65 4 Year 2.99% 47 monthly payments of $22.13 + 1 of $22.01 5 Year 3.24% 59 monthly payments of $18.08 + 1 of $17.68 *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* 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 3 Year 4.50% 35 monthly payments of $29.75, 1 of $29.61 4 Year 4.75% 47 monthly payments of $22.92, 1 of $22.75 5 Year 5.25% 59 monthly payments of $18.99, 1 of $18.68 *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* 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 3 Year 5.00% 35 monthly payments of $29.98, 1 of $29.66 4 Year 5.25% 47 monthly payments of $23.15, 1 of $22.74 5 Year 6.25% 59 monthly payments of $19.45, 1 of $19.39 *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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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* Based on an A-Tier rate of $10,000 80% Annual Adjustable 4.75% Annual Adjustable Rate applicable 4/1/2019 through 3/31/2020. 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% . 127 payments of $100.00 and 1 estimated final payment of $56.13. 90% Annual Adjustable 5.50% Annual Adjustable Rate applicable 4/1/2019 through 3/31/2020. 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%. 134 payments of $100.00 and 1 estimated final payment of $8.42. *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 withoutppraisal fee, tax verification fee, trust review fee, recording fees, or flood verification fee. Closing cost fees incurred will be dependent on amount borrowed and will vary based on member’s situation. Average Closing Cost: $800.00-$1500.00 and may vary dependent on personal financial situation. Maximum loan amount: $6 prior notice. Only improved residential owner-occupied 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\a25,500. May not be used for a business loan. 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. HELOC EARLY DISCLOSURE.
HELOC Fixed Advances
Term APR* Based on an A-Tier rate of $10,000 (Owner Occupied Properties) 1 Year Call 808-737-4328 (73-PHFCU) for Current Rate 2 Year Call 808-737-4328 (73-PHFCU) for Current Rate 3 Year Call 808-737-4328 (73-PHFCU) for Current Rate 5 Year Call 808-737-4328 (73-PHFCU) for Current Rate 7 Year Call 808-737-4328 (73-PHFCU) for Current Rate 15 Year Call 808-737-4328 (73-PHFCU) for Current Rate *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. 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 amount borrowed and will vary based on member’s situation. Average Closing Cost: $800.00-$1500.00 and may vary dependent on personal financial situation. Maximum loan amount: $625,500. May not be used for a business loan. 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. Total outstanding balance cannot exceed total approved available credit amount. 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 anytime. If USTS adjusts, 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.
Home Equity Loans
Fixed Rate Term Rate Points APR* Based on an A-Tier rate of $100,000 (Owner Occupied & Investment Properties) 7 Year: Owner Occupied 3.00% 0.00 3.00% Payment Example: 83 payments of $1,321.37, 1 of $1,320.46. 7 Year: Investment 3.00% 0.00 3.00% Payment Example: 83 payments of $1,321.37, 1 of $1,320.46. 12 Year: Investment 4.50% 0.00 4.50% Payment Example: 143 payments of $900.05, 1 of $898.17. 15 Year: First Mortgage Owner Occupied 2.50% 1.00 2.697% Payment Example: Monthly principal and interest payment is $666.78. The total of all interest payments for 15 years is $21,401.25 and the total of all payments for 15 years $120,020.36. 15 Year: Second Mortgage Owner Occupied 2.875% 1.00 3.074% Payment Example: Monthly principal and interest payment is $684.58. The total of all interest payments for 15 years is $24,604.06 and the total of all payments for 15 years $123,223.17. 20 Year: First Mortgage Owner Occupied 2.675% 1.00 2.828% Payment Example: Monthly principal and interest payment is $538.49. The total of all interest payments for 20 years is $30,616.05 and the total of all payments for 20 years is $129,235.16. 20 Year: Second Mortgage Owner Occupied 3.050% 1.00 3.205% Payment Example: Monthly principal and interest payment is $557.10. The total of all interest payments for 20 years is $35,083.14 and the total of all payments for 20 years $133,702.25. *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. 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 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.
NMLS 472169. HELOC EARLY DISCLOSURE.
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Personal
Terms APR* Payment Example (Based on $1000; Monthly with 1 estimated final payment) 1 Year 3.50% 12 monthly payment of $84.91 2 Year 4.50% 23 monthly payments of $43.42 + 1 of $43.34 3 Year 5.50% 35 monthly payments of $30.20 + 1 of $30.02 4 Year 6.50% 47 monthly payments of $23.71 + 1 of $23.68 5 Year 7.50% 59 monthly payments of $20.04 + 1 of $19.82 6 Year 9.00% 71 monthly payments of $18.03 + 1 of $17.51 7 Year 10.00% 83 monthly payments of $16.61 + 1 of $15.45 *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* 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 2 Year 3.25% 23 monthly payments of $43.10, 1 of $42.88 3 Year 3.50% 35 monthly payments of $29.31, 1 of $29.01 *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* Minimum Payment Payment 11.00% $15.00 5.00% of the outstanding balance *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.
Savings Secured Loans
Terms APR* 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 2 Year 2.00% 23 monthly payments of $42.54 & 1 final estimated payment of $42.54 3 Year 2.50% 35 monthly payments of $28.87 & 1 final estimated payment of $28.52 4 Year 3.00% 47 monthly payments of $22.14 & 1 final estimated payment of $21.85 5 Year 3.50% 59 monthly payments of $18.20 & 1 final estimated payment of $17.59 5 Year Balloon** 4.00% 59 monthly payments of $10.13 & 1 estimated balloon payment of $559.47 *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.
Partially Secured
Terms APR* Payment Example (Based on $1000; Monthly with 1 estimated final payment) 1 Year 3.25% 11 monthly payments of $84.81 & 1 final estimated payment of $84.77 2 Year 4.25% 23 monthly payments of $43.54 & 1 final estimated payment of $43.39 3 Year 5.25% 35 monthly payments of $30.09 & 1 final estimated payment of $29.78 4 Year 6.25% 47 monthly payments of $23.60 & 1 final estimated payment of $23.55 5 Year 7.25% 59 monthly payments of $19.92 & 1 final estimated payment of $19.80 6 Year 8.75% 71 monthly payments of $17.91 and 1 final estimated payment of $17.06 7 Year 9.75% 83 monthly payments of $16.48 and 1 final estimated payment of $15.49 *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.
Certificate Secured Loans
APR* Maximum Limit Term 2.00% above interest rate paid by Certificate 90% of PHFCU Certificate pledged as security Maturity Date of Certificate *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
Loan Type** Description Minimum Amount Max Amount APR* PHFCU Classic VISA Credit Card Fixed Rate $500.00 $15,000.00 13.90% PHFCU Visa Secured Credit Card Secured with Savings Account $500.00 $5,000.00 13.90% PHFCU Platinum Rewards Variable Rate $500.00 $15,000.00 6.99% + Prime *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. **See Visa Credit Card Disclosure for additional information. Platinum Visa Disclosure, Visa Credit Card Agreement-Platinum, Visa Credit Agreement- Classic and Secured, Classic and Secured Classic Visa Disclosure.
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Savings + Investment Rates
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Savings
Account Minimum Balance APY* Regular Savings $5.00 0.10% Jumbo Savings $2,500 0.20% Christmas Savings $0.01 0.10% Momi's Money (Children's Savings) $5.00 0.10% *Annual Percentage Yield. Rates are subject to change without prior notice. Savings rates and terms effective June 10, 2019. Fees could reduce the earnings on the account.
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Certificates
Term Minimum Balance APY* 3 years $1,000 0.65% 2 years $1,000 0.50% 1 Year $1,000 0.45% 6 months $1,000 0.25% 30 to 179 days $1,000 0.20% *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.
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IRAs
Type Minimum Balance APY* 3 Year-IRA Certificate (Traditional) $1,000 0.65% 2 Year-IRA Certificate (Traditional) $1,000 0.50% 1 Year-IRA Certificate (Traditional, Roth, Coverdell) $1,000 0.45% IRA Savings Account (Traditional, Roth, Coverdell) $0.01 0.20% *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.
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