Skip nav to main content.
Pearl Hawaii Credit Union
Android GET - On the App Store
Pearl Hawaii Credit Union
Apple GET - On the App Store

Christmas Savings Account

Be a holiday hero

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

Christmas Savings
  • Here's how it works: 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.
    • $0.01 minimum opening deposit
    • No service fees
    • Easy to pair with direct deposit
    • Earns a competitive interest rate
  • 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 October 31st, 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, or automatically through direct deposit/payroll deduction.
    Yes, but it is only $0.01. As long as you have any money in your account at all, it will remain active.

Ring the holidays in right

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