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Pearl Hawaii Credit Union
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Your Future Starts Today

Saving now means succeeding later. Check out all of our account options.




Stay Ahead With An IRA

These tax-advantaged savings accounts can help you eventually settle down in style. We offer several different options so you can pick the one that’s right for you. Save up for retirement with an IRA or get a head start on school expenses with a Coverdell ESA.

  • Roth IRAs
  • Traditional IRAs
  • IRA Certificates
  • Coverdell Education Savings Accounts





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 1/29/24. Fees could reduce the earnings on the account. Penalty for early withdrawal.

**This offer, including the stated Annual Percentage Yield (APY), is effective 1/29/24. 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.

Save even more with a certificate

With an IRA Certificate, you can earn an even higher savings rate, just by committing to leave your money untouched. Just contact us to open your account.


Upgrade You At Pearl Hawaii

From the finest service to the latest tech, we’ve got your back in every possible way. At Pearl Hawaii, we are committed to providing you the most innovative products and services. From home or car loans and helping you with other banking services. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at