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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
  • 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%
    Jumbo Savings $2,500 0.20%
    Christmas Savings $0.010.10%
    Momi's Money (Children's Savings)$5.000.10%

    *Annual Percentage Yield. Rates are subject to change without prior notice. Savings rates and terms effective June 10, 2019. Fees could reduce the earnings on the account.

  • Pearl Hawaii Federal Credit Union utilizes First Hawaiian's ATM network. 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.