All Rates

*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.

*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.

*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.

*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.

*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.

*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 01/05/23.

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.

*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.

*LTV - Loan to Value. The Introductory Annual Percentage Rate (APR) of 3.25% will be effective for the first 24 months, 3.50% for the first 36 months, or 3.75% for the first 60 months of the Introductory Period. After the Introductory Period, the rate will adjust to the standard annual-adjustable interest rate in accordance with your Home Equity Credit Agreement. The current non-introductory fully indexed variable APR is 4.00% for 80% LTV; rate applicable 4/1/2022 through 3/31/2023. The Current Variable Index Rate shown is current as of 4/1/2022 and will not exceed 18% APR. Total HELOC loan amount received, rate, and terms are subject to credit approval. Offer is valid for qualifying applications to new Home Equity Lines of Credit. Only improved owner-occupant properties on Oahu accepted as collateral. Minimum credit line is $5,000 and the maximum credit lines for an 80% LTV Fee-Simple Owner-Occupied Property, the lesser of $300,000 or 80% LTV minus the balance of your existing mortgage. Refinancing of existing Pearl Hawaii Federal Credit Union Home Equity Lines of Credit is not allowed. Membership required. Borrower must maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property and Pearl Hawaii Federal Credit Union must be a loss payee on your Home Insurance policy. There are no points, pre-payment penalties, or annual fees. Closing Cost Fees that may be incurred: title insurance fee, document preparation fee, SRA\appraisal fee, appraisal review fee, trust review fee, recording fees, application fee, or flood verification fee. Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation and are estimated between $200 to $5,000. For the introductory rate, the initial advance must be $10,000 or more. For the Current Variable Annual Rate, the initial advance must be $1,000 or more. Other conditions and restrictions may apply. Any existing junior liens from financial institutions other than PHFCU must be paid off and may be paid by an initial draw from the new Home Equity Line of Credit account. 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. Minimum payment for 24, 36, and 60 month term fixed intro rates and for the current variable annual rate is $100.00, NMLS# 472169. Federally insured by NCUA. HELOC EARLY DISCLOSURE.

*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.

*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.

*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.

*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.

*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.

*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.

*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. You must be a PHFCU member. Member must be in good standing with PHFCU accounts for at least 3 consecutive months, have not caused PHFCU a loss, and have no pending bankruptcies. $20.00 application fee is due at the time of the application.

*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.

*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. 

Teen Debit Card Account Disclosures

Please bring your teen’s social security card when opening the account. Opening/minimum balance is $5.00. Certain conditions and restrictions may apply. An adult (the account owner) will be responsible for all transactions, fees, and overdrafts that occur. Must be aged 13 to 17.

Kasasa Account Requirements (Cash, Cash Back, Tunes)

Account must have a minimum of twelve (12) Pearl Hawaii Federal Credit Union (PHFCU) Debit Card authorized purchases or automatic transactions that post to their account during the Monthly Qualification Cycle. PHFCU’s “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. Account must be enrolled into eStatements and opted-out of paper statements. Member must log into PHFCUOnline at least one time per month. Member’s accounts need to be in good standing in order to open, maintain, or hold open a Kasasa account. “Good Standing” means not incurring PHFCU a loss through accounts, fees, services, and/or loan products.

Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of the statement cycle. APY = Annual Percentage Yield. APY’s are accurate as of 5/01/19. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements may apply. No minimum deposit is required to open the account. Limit 1 account per Social Security Number. You must be an existing PHFCU member in good standing to open a Kasasa Account. There are no recurring monthly maintenance charges or fees to open this account. Visit any location for additional information, details, restrictions, processing limitations, and enrollment instructions.

Qualification Information

Qualified purchases include point-of-sale transactions conducted with or recurring automatic charges utilizing a PHFCU authorized Debit Card. The following activities do not count toward earning account rewards: ATM-processed transactions, online banking transactions, transfers between accounts, ATM card or credit card purchases or transactions, debit card purchases processed by merchants and received by PHFCU as an ATM transaction, or transactions on your account from a debit card not issued by PHFCU. Account transactions and activities may take one or more days to post and settle to the account. All transactions must post during the Monthly Qualification Cycle in order to qualify for rewards.

Reward Information

 Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle:

Kasasa Cash

Balances up to $10,000 receive an Annual Percentage Yield (APY) of 2.25%; and balances over $10,000 earn 0.25% APY, resulting in a range from 2.25% to 0.43% APY dependent on the account’s balance. When account qualifications are not met, all balances in a Kasasa Cash account earn 0.05% APY and ATM fees are not reimbursed. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one (1) business day and may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when the transfer occurs.

Kasasa Cash Back

 Receive 2.50% cash back on qualified debit card purchases up to $400.00 that post and settle to the account during the Monthly Qualification Cycle. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle. Transactions may take one or more banking days from the date the transaction was made to post to the account. Automatic transfer from Kasasa Cash Back to Kasasa Saver occurs within one business day and may cause an overdraft to your Kasasa Cash Back account if the account’s balance is less than the transferred amount when transfer occurs. When account qualifications are not met, no earnings are earned and ATM fees will not be reimbursed.

Kasasa Tunes

You will earn up to an aggregate total of $10.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, purchases must be made with your PHFCU Debit Card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends. When account qualifications are not met, account activity for iTunes, Amazon.com, or Google Play purchases will not be refunded and ATM fees are not reimbursed.

Kasasa Saver

 (Linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $20,000 in your Kasasa Saver account receive a 0.75% APY. Balances over $20,000 earn 0.25% APY, resulting in a range from 0.75% to 0.33% APY, dependent on the account’s balance. When account qualifications are not met, all balances in a Kasasa Saver account earn 0.05% APY and ATM fees are not reimbursed. When linked to the Kasasa Saver account, the interest earned within the linked Kasasa Cash account do not compound since it is automatically transferred to the Kasasa Saver account. The actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY if the advertised APY is represented without a linked Kasasa Saver account. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings.

ATM Fee Refunds

You will receive reimbursements up to $20.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. If you have not received an appropriate reimbursement, we will adjust the amount if we receive the ATM receipt within sixty (60) calendar days of the ATM transaction.

iTunes is a registered trademark of Apple, Inc. Amazon is a registered trademark of Amazon.com. Google Play is a registered trademark of Google Inc. Apple Inc., Amazon.com and Google are not participants in or sponsors of this program.

Kasasa, Kasasa Cash, Kasasa Tunes and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Federally Insured by NCUA.

Kasasa Terms & Conditions

*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.

*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.