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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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See all the amazing rates we have to offer!

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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
      3 Year2.19% 35 payments of $28.73, 1 of $28.53
      4 Year2.49% 47 payments of $21.91, 1 of $21.90
      5 Year2.74% 59 payments of $17.86, 1 of $17.43
      6 Year3.74%71 payments of $15.53, 1 of $15.31
      7 Year4.49% 83 monthly of $13.90, 1 of $13.41
      8 Year6.49% 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* 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.
      3 Year 2.19% 35 payments of $28.73, 1 of $28.53
      4 Year2.74% 47 payments of $22.02, 1 of $21.96
      5 Year2.99% 59 payments of $17.97, 1 of $17.58
      6 Year3.74% 71 payments of $15.53, 1 of $15.31
      7 Year4.74% 83 payments of $14.02, 1 of $13.17

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

      *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
      3 Year4.50% 35 monthly payments of $29.75, 1 of $29.61
      4 Year4.75% 47 monthly payments of $22.92, 1 of $22.75
      5 Year5.25% 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* 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
      3 Year5.00% 35 monthly payments of $29.98, 1 of $29.66
      4 Year5.25% 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.

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

      Click here for HELOC Specials

       

      Mortgage Loans

      Fixed Rate Term RatePointsAPR* AS LOW AS Payment Examples Based on an A-Tier rate of $100,000 (Owner Occupied & Investment Properties)
      7 Year Owner Occupied3.000%0.003.111%Monthly principal and interest is 84 payments of $1,321.31. Total interest payments is $10,989.69; total of all payments is $110,989.69.
      7 Year Investment 3.000%0.003.111%Monthly principal and interest is 84 payments of $1,321.31. Total interest payments is $10,989.69; total of all payments is $110,989.69.
      12 Year Investment 4.500%0.004.569%Monthly principal and interest is 144 payments of $899.99. Total interest payments is $29,598.03; total of all payments is $129,598.03.
      15 Year First Mortgage Owner Occupied 2.250%1.002.446%Monthly principal and interest is 180 payments of $655.08. Total interest payments is $17,913.64; total of all payments is $117,913.64.
      15 Year First Mortgage Owner Occupied2.500%0.002.554%Monthly principal and interest is 180 payments of $666.78. Total interest payments is $20,020.33; total of all payments is $120,020.33.
      15 Year Second Mortgage Owner Occupied2.625%1.002.823%Monthly principal and interest is 180 payments of $672.68. Total interest payments is $21,082.29; total of all payments is $121,082.29.
      15 Year Second Mortgage Owner Occupied2.875%0.002.929%Monthly principal and interest is 180 payments of $684.58. Total interest payments is $23,223.22; total of all payments is $123,223.22.
      20 Year First Mortgage Owner Occupied2.500%1.002.652%Monthly principal and interest is 240 payments of $529.90. Total interest payments is $27,174.73; total of all payments is $127,174.73.
      20 Year First Mortgage Owner Occupied2.750%0.002.792%Monthly principal and interest is 240 payments of $542.16. Total interest payments is $30,117.87; total of all payments is $130,117.87.
      20 Year Second Mortgage Owner Occupied2.875%1.003.029%Monthly principal and interest is 240 payments of $548.36. Total interest payments is $31,604.07; total of all payments is $131,604.07.
      20 Year Second Mortgage Owner Occupied3.125%0.003.167%Monthly principal and interest is 240 payments of $560.87. Total interest payments is $34,607.62; total of all payments is $134,607.62.
      30 Year Mortgage- Owner Occupied, First Liens2.750%1.002.857%Monthly principal and interest is 360 payments of $408.21. Total interest payments is $46,950.46; total of all payments is $146,950.46.
      30 Year Mortgage- Owner Occupied, First Liens3.000%0.003.029%Monthly principal and interest is 360 payments of $421.56. Total interest payments is $51,760.75; total of all payments is $151,760.75.

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

      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.

      Home Equity Lines of Credit

      Type APR* AS LOW AS Based on an A-Tier rate of $10,000
      80% Annual Adjustable 4.75% Annual Adjustable Rate applicable 4/1/2020 through 3/31/2021. 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 4/1/2020 through 3/31/2021. 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. 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
      2 YearCall 808-737-4328 (73-PHFCU) for Current Rate
      3 YearCall 808-737-4328 (73-PHFCU) for Current Rate
      5 YearCall 808-737-4328 (73-PHFCU) for Current Rate
      7 YearCall 808-737-4328 (73-PHFCU) for Current Rate
      15 YearCall 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. 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.

       

    • 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
      2 Year4.50% 23 monthly payments of $43.42; 1 of $43.34
      3 Year5.50% 35 monthly payments of $30.20 + 1 of $30.02
      4 Year6.50% 47 monthly payments of $23.71 + 1 of $23.68
      5 Year7.50% 59 monthly payments of $20.04 + 1 of $19.82
      6 Year9.00% 71 monthly payments of $18.03 + 1 of $17.51
      7 Year10.00% 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* 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
      2 Year3.25% 23 monthly payments of $43.10, 1 of $42.88
      3 Year3.50% 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* AS LOW AS 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* 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
      2 Year2.00% 23 monthly payments of $42.54 & 1 final estimated payment of $42.54
      3 Year2.50% 35 monthly payments of $28.87 & 1 final estimated payment of $28.52
      4 Year3.00% 47 monthly payments of $22.14 & 1 final estimated payment of $21.85
      5 Year3.50% 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* 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
      2 Year4.25% 23 monthly payments of $43.54 & 1 final estimated payment of $43.39
      3 Year5.25% 35 monthly payments of $30.09 & 1 final estimated payment of $29.78
      4 Year6.25%47 monthly payments of $23.60 & 1 final estimated payment of $23.55
      5 Year7.25% 59 monthly payments of $19.92 & 1 final estimated payment of $19.80
      6 Year8.75% 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* AS LOW AS Maximum LimitTerm
      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.

    • Credit Cards

      Loan Type** Description Minimum Amount Max Amount APR* AS LOW AS
      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.

  • Savings + Investment Rates
    • Savings

      AccountMinimum Balance APY*
      Regular Savings $5.000.10%
      Jumbo Savings $2,500 0.20%
      Holiday Savings** $5.000.20%
      Christmas Savings $0.010.10%
      Momi's Money (Children's Savings)$5.000.10%

      *Annual Percentage Yield. Rates are subject to change without prior notice. Savings Rates and terms effective December 1, 2020. 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 October 31st, 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*
      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.

    • 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%
      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.