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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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All Rates

See all the amazing rates we have to offer!

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  • Loan Rates
    • New Auto Loan Rates

      TermsAPR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      2 Year 5.75% 23 payments of $44.21, 1 of $44.00 apply
      3 Year5.75% 35 payments of $30.31, 1 of $30.16 apply
      4 Year5.75% 47 payments of $23.37, 1 of $23.26apply
      5 Year6.00% 59 payments of $19.33, 1 of $19.24 apply
      6 Year6.25%71 payments of $16.69, 1 of $16.60 apply
      7 Year7.50% 83 monthly of $15.34, 1 of $15.24 apply
      8 Year8.50% 95 payments of $14.39, 1 of $14.29 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. Rates current as of 12/1/23.

      Used Auto Loan Rates

      Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      2 Year 6.50% 23 payments of $44.55, 1 of $44.31 apply
      3 Year 6.50% 35 payments of $30.65, 1 of $30.48 apply
      4 Year6.50% 47 payments of $23.71, 1 of $23.59 apply
      5 Year6.75% 59 payments of $19.68, 1 of $19.57 apply
      6 Year7.25% 71 payments of $17.17, 1 of $17.07 apply
      7 Year8.50% 83 payments of $15.84, 1 of $15.73 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. Rates current as of 12/1/23.

      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 6.75% 23 monthly payments of $44.66 + 1 of $44.41 apply
      3 Year6.75% 35 monthly payments of $30.76 + 1 of $30.59 apply
      4 Year7.00% 47 monthly payments of $23.95 + 1 of $23.81apply
      5 Year7.25% 59 monthly payments of $19.92 + 1 of $19.80apply

      *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. Rates current as of 12/1/23.

      New Motorcycles

      TermsAPR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      2 Year 7.00% 23 monthly payments of $44.77, 1 of $44.51 apply
      3 Year7.00% 35 monthly payments of $30.88, 1 of $30.70 apply
      4 Year7.25% 47 monthly payments of $24.06, 1 of $23.92 apply
      5 Year7.50% 59 monthly payments of $20.04, 1 of $19.91 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 7.50% 23 monthly payments of $45.00, 1 of $44.72 apply
      3 Year7.50% 35 monthly payments of $31.11, 1 of $30.91 apply
      4 Year7.75% 47 monthly payments of $24.30, 1 of $24.14 apply
      5 Year 8.00% 59 monthly payments of $20.28, 1 of $20.14 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.

    • Mortgage Loans

      Fixed Rate Term RatePointsAPR* As Low As Term (months)Payment Example Based on A-Tier rate of $100,000 Total PaymentsTotal Interest
      15 Year First Mortgage Owner Occupied5.625% 2.005.999% 180$823.73 $148,271.71 $50,652.60apply
      15 Year First Mortgage Owner Occupied 5.875% 0.005.934% 180$837.12 $150,681.33 $51,062.22apply
      15 Year Second Mortgage Owner Occupied6.000%2.006.378%180$843.86$151,894.23$54,275.12apply
      15 Year Second Mortgage Owner Occupied6.250%0.006.310% 180$857.42$154,336.12$54,717.01apply
      20 Year First Mortgage Owner Occupied6.000%2.006.301%240$716.43$171,943.45$74,324.34apply
      20 Year First Mortgage Owner Occupied 6.350% 0.006.398% 240$736.77 $176,824.45$77,205.34apply
      20 Year Second Mortgage Owner Occupied6.375% 2.006.680% 240$738.23$177,175.75$79,556.64apply
      20 Year Second Mortgage Owner Occupied6.725%0.006.774% 240$758.88$182,130.82 $82,511.71 apply
      30 Year Mortgage- Owner Occupied, First Liens6.375% 2.006.606% 360$623.87 $224,593.16 $126,974.05apply
      30 Year Mortgage- Owner Occupied, First Liens6.625% 0.006.662% 360$640.31$230,511.95$130,892.84 apply

      *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 12/21/23.

      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: $1,149,825.

      Home Equity Lines of Credit (HELOC) Fixed Intro Rates

      TermAPR* AS LOW AS Max Loan Amount up to $300,000. Max Loan to Value up to 80%.
      3 Year6.500% Minimum Monthly Payment of $100.00.apply

      *LTV - Loan to Value. The Introductory Annual Percentage Rate (APR) of 6.50% for the first 36 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 7.75% for 80% LTV; rate applicable 4/1/2024 through 3/31/2025. The Current Variable Index Rate shown is current as of 4/1/2024 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 fixed intro rates and for the current variable annual rate is $100.00, NMLS# 472169. Federally insured by NCUA. 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 8.25% Annual Adjustable Rate applicable 4/1/2024 through 3/31/2025. 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 9.00% Annual Adjustable Rate applicable 4/1/2024 through 3/31/2025. 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.

    • Personal

      Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      1 Year8.00%11 monthly payments of $86.99 + 1 of $86.41 apply
      2 Year8.50% 24 monthly payments of $45.45 apply
      3 Year8.75% 35 monthly payments of $31.68 + 1 of $31.45 apply
      4 Year9.00% 47 monthly payments of $24.89 + 1 of $24.70 apply
      5 Year9.50% 59 monthly payments of $21.00 + 1 of $20.84 apply
      6 Year11.00% 71 monthly payments of $19.03 + 1 of $18.86 apply
      7 Year15.00% 83 monthly payments of $19.30 + 1 of $19.06 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. Rates are current as of 2/1/24.

      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

      APR* AS LOW AS Maximum LimitTerm
      2.50% above the dividend rate100% of PHFCU Savings pledged as security up to $100,0001 to 5 Year Terms Available apply

      *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. Promotion is subject to change or cancellation without prior notice. Rate is subject to change at any time. Outstanding loan balance may not exceed 100% of the PHFCU savings pledged as security up to $100,000. No Minimum; Maximum is $100,000. Savings in Pearl Hawaii account may be used as security for no more than two Savings Secured Loans at any one time.

      Secured Personal Loan | Auto Secured

      Terms APR* AS LOW AS Payment Example (Based on $1000; Monthly with 1 estimated final payment)
      1 Year7.75% 11 monthly payments of $86.87 & 1 of $86.32 apply
      2 Year8.25% 23 monthly payments of $45.34 & 1 of $45.03 apply
      3 Year8.50% 35 monthly payments of $31.57 & 1 of $31.35 apply
      4 Year8.75%47 monthly payments of $24.89 & 1 of $24.70 apply
      5 Year9.25% 59 monthly payments of $20.88 & 1 of $20.72 apply
      6 Year10.75% 71 monthly payments of $18.91 and 1 of $18.74 apply
      7 Year 14.75% 83 monthly payments of $19.16 and 1 of $18.92apply

      *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. Rates current as of 12/1/23.

      Secured Personal Loan | Certificate Secured

      APR* AS LOW AS Maximum LimitTerm
      2.50% above interest rate paid by Certificate 90% of PHFCU Certificate pledged as security Maturity Date of Certificate apply

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

       

    • Credit Cards

      Cards** TypeMin Max APR* AS LOW AS
      PLATINUM Variable$500 $20,000 11.49% - 18.00% apply request increase
      REWARDS PLATINUMVariable$500$20,000 13.49% - 18.00% apply request increase
      CASH BACK PLATINUMFixed$500$30,00018.00% apply request increase
      SECUREDFixed$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.

      **See Credit Card Disclosures for additional information.

  • Savings, Checking, + Investment Rates
    • Savings

      AccountMinimum Balance APY*
      Pearl 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. 

    • Checking

      BENEFITSMinimum Balance
      Pearl CheckingNo minimum deposit, monthly service fee, or minimum balance requirement.$0Open
      Teen Debit & CheckingNo minimum deposit, monthly service fee, or minimum balance requirement.$0Open
      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.

    • Certificates

      Term Minimum Balance APY*
      36 Months $1,000 3.00% Open
      24 Months$1,000 2.00% Open
      12 Months $1,000 1.25% Open
      8 Months$1,0004.25%Open
      8 Months$5,000 (new monies)5.25%**Open
      6 Months $1,000 1.25% Open
      1-5 Months$1,000 1.25% Open

      *APY = Annual Percentage Yield. The rate is effective 1/29/24. 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 grace period after maturity. Fees could reduce the earnings on the account. Penalties apply for early withdrawals. Other restrictions may apply. Federally insured by NCUA. **APY = Annual Percentage Yield. This offer is effective 4/15/24. Promotion and offer may end or change at any time. The minimum balance is $5,000; no maximum balance. Penalties apply for early withdrawals. Fees could reduce the earnings on the account. Other restrictions may apply. Offer is available to only new monies deposited from financial institutions other than Pearl Hawaii. Federally insured by NCUA.

    • IRAs

      Type Minimum Balance APY*
      3 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 3.00%
      2 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 2.00%
      1 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 1.25%
      8 Month - IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,0004.25%
      IRA Savings Account (Traditional, Roth, Coverdell Education Savings Account)$5.000.20%

      *Annual Percentage Yield. Rates are subject to change without prior notice. Rates and terms effective 4/15/24. Fees could reduce the earnings on the account. Penalty for early withdrawal. Federally insured by NCUA.