Loan Rates
Vehicle Rates
Mortgage + Home Loan Rates
Personal Rates
Credit Card Rates
Savings, Checking, + Investment Rates
Savings
Checking
Certificate Rates
IRA Rates
Vehicle Rates
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
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2 Year |
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Apply |
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3 Year |
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Apply |
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4 Year |
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Apply |
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5 Year |
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Apply |
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6 Year |
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Apply |
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7 Year |
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Apply |
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8 Year |
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Apply |
Rates effective as of: October 30, 2025
*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.
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
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2 Year |
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Apply |
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3 Year |
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Apply |
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4 Year |
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Apply |
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5 Year |
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Apply |
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6 Year |
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Apply |
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7 Year |
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Apply |
Rates effective as of: October 30, 2025
*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.
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
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2 Year |
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Apply |
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3 Year |
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Apply |
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4 Year |
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Apply |
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5 Year |
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Apply |
Rates effective as of: October 30, 2025
*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.
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
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2 Year |
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Apply |
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3 Year |
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Apply |
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4 Year |
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Apply |
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5 Year |
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Apply |
Rates effective as of: October 30, 2025
*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.
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
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2 Year |
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Apply |
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3 Year |
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Apply |
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4 Year |
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Apply |
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5 Year |
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Apply |
Rates effective as of: October 30, 2025
*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 + Home Loan Rates
| Fixed Rate Term | Rate | Points | APR* As Low As | Term (months) | Payment Example Based on A-Tier rate of $100,000 | Total Payments | Total Interest | |
|---|---|---|---|---|---|---|---|---|
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15 Year First Mortgage Owner Occupied |
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Apply |
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15 Year First Mortgage Owner Occupied |
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Apply |
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15 Year Second Mortgage Owner Occupied |
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Apply |
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15 Year Second Mortgage Owner Occupied |
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Apply |
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20 Year First Mortgage Owner Occupied |
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Apply |
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20 Year First Mortgage Owner Occupied |
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Apply |
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20 Year Second Mortgage Owner Occupied |
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Apply |
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20 Year Second Mortgage Owner Occupied |
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Apply |
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30 Year Mortgage- Owner Occupied, First Liens |
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Apply |
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30 Year Mortgage- Owner Occupied, First Liens |
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Apply |
Rates effective as of: October 30, 2025
*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 4/12/25.
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.
| Term | APR* As Low As | ||
|---|---|---|---|
|
3 Year |
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Apply |
|
3 Year |
|
|
Apply |
*LTV - Loan to Value. The Introductory Annual Percentage Rate (APR) of 4.50% applies for the first 36 months on HELOCs up to 80% LTV (owner-occupied). An introductory APR of 5.50% applies for the first 36 months on Investor HELOCs up to 70%. After the Introductory Period, your rate and payment may increase as it adjust to the standard variable annual-adjustable interest rate in accordance with your Home Equity Credit Agreement. The current non-introductory fully indexed variable APR is 7.25% for 80% LTV and 8.25% for 70% LTV Investor HELOC; rate applicable 9/30/2025 through 3/31/2026. The Current Variable Index Rate shown is current as of 9/30/2025 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 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 $400,000 or 80% LTV minus the balance of your existing mortgage (s), for the 70% LTV Fee-Simple Investor property, the lesser of $400,000 or 70% LTV minus the balance of your existing mortgage (s). 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 included: 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 paid off and may be paid by an initial draw from the new Home Equity Line of Credit account. 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 36 month term fixed intro rates and for current variable annual rate is $100.00. NMLS#472169. Federally insured by NCUA. Equal Housing Lender. HELOC Early Disclosure.
| Type | APR* As Low As | Based on an A-Tier rate of $10,000 | |
|---|---|---|---|
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80% Annual Adjustable |
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Apply |
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90% Annual Adjustable |
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Apply |
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70% Investor Annual Adjustable |
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Apply |
Rates effective as of: October 30, 2025
*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: $400,000. The borrower must be 18 years of age or older. NMLS 472169. HELOC Early Disclosure.
Personal Rates
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
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1 Year |
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Apply |
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2 Year |
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Apply |
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3 Year |
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Apply |
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4 Year |
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Apply |
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5 Year |
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Apply |
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6 Year |
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Apply |
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7 Year |
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Apply |
Rates effective as of: October 30, 2025
*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.
| APR* As Low As | Minimum Payment | Payment | |
|---|---|---|---|
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Apply |
Rates effective as of: October 30, 2025
*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.
| APR* As Low As | Maximum Limit | Term | |
|---|---|---|---|
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Apply |
Rates effective as of: October 30, 2025
*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.
| Terms | APR* As Low As | Payment Example (Based on $1000; Monthly with 1 estimated final payment) | |
|---|---|---|---|
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1 Year |
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Apply |
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2 Year |
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Apply |
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3 Year |
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Apply |
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4 Year |
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Apply |
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5 Year |
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Apply |
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6 Year |
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Apply |
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7 Year |
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Apply |
Rates effective as of: October 30, 2025
*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.
| APR* As Low As | Maximum Limit | Term | |
|---|---|---|---|
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Apply |
Rates effective as of: October 30, 2025
*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 Card Rates
| Cards** | Type | Min | Max | APR* As Low As | ||
|---|---|---|---|---|---|---|
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Platinum |
Variable |
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Apply | Request Increase |
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Rewards Platinum |
Variable |
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Apply | Request Increase |
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Cash Back Platinum |
Fixed |
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Apply | Request Increase |
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Secured |
Fixed |
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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:
Mastercard Application & Solicitation Disclosure
Mastercard Guide to Benefits
Savings Rates
| Account | Minimum Balance | APY* | |
|---|---|---|---|
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Pearl Savings |
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Open |
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Jumbo Savings |
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Open |
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Holiday Savings** |
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Open |
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Secondary Savings |
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Open |
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Momi's Money (Children's Savings) |
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Open |
Rates effective as of: October 30, 2025
*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 Rates
| Account | Benefits | Minimum Balance | |
|---|---|---|---|
|
Pearl Checking |
No minimum deposit, monthly service fee, or minimum balance requirement. |
$0 |
Open |
|
Teen Debit & Checking |
No minimum deposit, monthly service fee, or minimum balance requirement. |
$0 |
Open |
Rates effective as of: October 30, 2025
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.
Certificate Rates
| Term | Minimum Balance | APY* | |
|---|---|---|---|
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36 Months |
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Open |
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24 Months |
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Open |
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12 Months |
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Open |
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8 Months |
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Open |
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6 Months |
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Open |
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1-5 Months |
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Open |
Rates effective as of: October 30, 2025
*APY = Annual Percentage Yield. 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.
IRA Rates
| Type | Minimum Balance | APY* |
|---|---|---|
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3 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account) |
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2 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account) |
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1 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account) |
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IRA Savings Account (Traditional, Roth, Coverdell Education Savings Account) |
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Rates effective as of: October 30, 2025
*Annual Percentage Yield. Rates are subject to change without prior notice. Rates and terms effective 8/5/24. Fees could reduce the earnings on the account. Penalty for early withdrawal. Federally insured by NCUA.
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Rates effective as of: October 30, 2025
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Open Account
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