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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Christmas Savings Account

Be a holiday hero

Get a nice head start with this account that encourages you to save.

Christmas Savings

    Each month, put a little away in this Christmas savings account.  You'll already have plenty of money built up before you hear someone say, "Mele Kalikimaka!" Then, you can go on the ultimate Christmas gift shopping spree.  


    Avoid the stress that comes with the holiday season and open up Pearl Hawaii’s Holiday Savings account. With a Holiday Savings account, you can save during the year and avoid debt during the holidays.    


    With a minimum opening deposit of $5, start saving for the holidays now by setting up monthly deposits into your account. On November 1st, we will deposit your savings plus the interest you earned into your Checking** account. You can start your holiday shopping with cash in hand. It’s the perfect way to prep for your gift-giving and holiday needs.

  • Rates


    AccountMinimum Balance APY*
    Regular 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. 

  • For a complete list, visit: ATM Locations
    In most cases, you can contact your employer's Payroll/Human Resources Department to sign up for either of these services. You will need your Pearl Hawaii Federal Credit Union account number and routing # 321380328.
    If you work for a company that offers Payroll Deduction, you can have part of your check deposited automatically into your accounts. Some employers allow Direct Deposit, which deposits your entire paycheck directly into your Pearl Hawaii Federal Credit Union account on payday. In addition, Social Security, pension or any other recurring federal payments can be deposited directly into your account.
    You can make deposits in person, by mail, through an electronic ACH transaction, transfers through PHFCUOnline, or automatically through direct deposit/payroll deduction.
    Yes, but it is only $5.00.

Ring the holidays in the right way

Open your Christmas savings account right here online, or come into one of our branches.  


  • Earn 0.20% APY* while you save
  • Open any time of the year
  • Automatically transfers into your account on November 1st
  • Minimum balance for interest earnings |  $5.00
  • Monthly Account Service Fee | $0.00
  • Early Closure Penalty | $0.00
  • Deposit Limit | $0.00