Regular Savings Account
Better than a piggy bank
Keep your money in a place that's secure, convenient, and always friendly.
Your first stepOpening a savings account means you can also accomplish other financial goals: like taking out an ultra-low-rate auto loan or making your first investment. We're proud to be a full-service credit union that's still got that local charm. So start your journey with us and we'll take a ride together.
- Get started with just $5.00
- Earn competitive interest
- Open other Pearl accounts
My family and I have been members for almost ten years. I cannot say enough about the staff here… When I call, I always hear a smile.
Account Minimum Balance APY* Regular Savings $5.00 0.10% Open Jumbo Savings $5.00 | $2,500 to earn advertised APY 0.20% Open Holiday Savings** $5.00 0.20% Open Secondary Savings $5.00 0.10% Open Momi's Money (Children's Savings) $5.00 0.10% 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.
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.Our routing number is 321380328.Yes, you can have more than one savings or checking accounts.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 are calculated on the daily balance and paid quarterly.