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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Holiday Savings

Enjoy the Holiday Season

Holiday Savings Account


A Stress-Free Holiday? 

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.


Start with $5

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.




  • 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

Why you should open a holiday savings account that’s separate from your emergency fund?

Having a holiday savings account is important so you’re not tempted to dip into your emergency fund. By creating a separate savings account, you can make a clear plan to meet both goals. Additionally, splitting your paycheck between accounts at separate banks can be an extremely effective money-saving trick. By hiding your savings away, you’ll be less tempted to spend what you can’t see. Get started now with only $5.00… Not a member? You can also get started within minutes…  

Where should I keep my emergency savings?

Since emergencies are often unpredictable, your emergency fund should be easily accessible at a moment’s notice. Essentially, that means being able to withdraw your funds instantly with no repercussions. Therefore, the best place to keep your emergency fund is in a high-interest savings account, like Pearl Hawaii’s Jumbo Savings.



AccountMinimum Balance APY*
Pearl 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.