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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
Apple GET - On the App Store

Jumbo Savings Account

Save big, dream bigger

Buy that house, car, or custom board.

Jumbo Savings
  • Perfect for big ticket items

    Saving up for a down payment? Getting ready to buy a car with cash? This savings account earns a bigger-is-better rate, but you'll still have access to your money whenever you need it.
    • Open with as little as $2500
    • Save more with zero monthly fees
    • Manage your money from anywhere
  • Savings

    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.
    You can both open your account online. After completing the primary member's information, please click the box to include the joint owner at the bottom of the screen. If you are opening your account in person and if you are opening your account(s) with a joint owner/co-applicant, they must be present during the enrollment process in order to validate their identity. If they are not available, open your account as an individual and request the appropriate application(s) to have a co-applicant added at a later date.
    Dividends will be compounded and credited to your account monthly.

Your upgrade awaits

Start saving right now—you can open your jumbo savings account right here online.