CERTIFICATES YOUR WAY
- A Certificate is perfect way to get more out of your savings account. Choose how long you want to deposit your money, and how much you want to deposit. Then, simply sit back and watch it grow.
- Open with just $1000 and choose your term… With our rates, you can boost savings for future goals—from down payments on big purchases to retirement nest eggs and more!
CERTIFICATES | Open From The Comfort Of Your Home
SET IT & FORGET IT | Opening is easy. Set up your account and watch your savings grow.
DEPENDABILITY | Its a low-risk way to earn more, with fixed-rate returns guaranteed for the entire term of the account.
GUARANTEED RETURNS | Always know what to expect by locking in a great rate.
SECURITY & SAFETY | Your money is working for you while being federally insured by NCUA.
GET STARTED | Open your account from the comfort of your couch.
IS IT LIKE A CERTIFICATE OF DEPOSIT OR CD?
Pearl Hawaii’s Certificates are similar to a Certificate of Deposit (CD) and allow your money to earn money.
Like a Certificate of Deposit (CD), Pearl Hawaii’s Certificates earn interest on a lump sum for a fixed period of time. They are different than savings accounts because the money must remain untouched for the entirety of their term or risk penalty fees or lost interest. Typically, certificates have higher interest rates than savings accounts as an incentive for lost liquidity.
WHAT’S THE DIFFERENCE BETWEEN A CERTIFICATE AND A CERTIFICATE OF DEPOSIT (CD)?
Both types of accounts work the same way providing a fixed return when funds are invested for a specified amount of time. Credit unions, like Pearl Hawaii, call the account a Certificate while banks call the account a Certificate of Deposit (CD).
CERTIFCATE RATES
Certificates
| Term | Minimum Balance | APY* | |
|---|---|---|---|
| 36 Months | $1,000 | 3.00% | Open |
| 24 Months | $1,000 | 2.00% | Open |
| 14 Month | $1,000 | 4.25%** | Open |
| 12 Months | $1,000 | 1.25% | Open |
| 6 months | $1,000 | 1.25% | Open |
| 1-5 Months | $1,000 | 1.25% | Open |
*APY = Annual Percentage Yield. The rate is effective August 25, 2023. 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. Fees could reduce the earnings on the account. Penalties apply for early withdrawals. Other restrictions may apply. Federally insured by NCUA.
**This offer, including the stated Annual Percentage Yield (APY), is effective June 14, 2023. 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.
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 MyFamily@phfcu.com.
ABOUT | COMMUNITIES | FAQs | JOIN | JOBS
Get Started By Opening Your Account
Open your account from the comfort of your couch.