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Savings Certificate

Get paid to save

The more you save; the more you earn.

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  • Savings your way

    A savings certificate is the perfect way to get more out of your savings account. Choose how long you want to deposit your money, and how much you want to deposit. Then, simply sit back and watch it grow.
    • Open with just $1000
    • Choose your term
    • Earn up to 2% APY*
  • Saving Certificates

    Term Minimum Balance APY*
    3 years $1,000 1.80%
    2 years $1,000 1.60%
    1 Year $1,000 1.00%
    6 months $1,000 0.75%
    30 to 179 days $1,000 0.30%

    *Annual Percentage Yield. Rates are subject to change without prior notice. Savings rates and terms effective August 1, 2019. Fees could reduce the earnings on the account. Penalty for early withdrawal of Savings and IRA Certificates.

  • 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.
    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.
    Typically, your interest will be paid when your term is up (once your certificate has "matured"). You can also request that your interest be paid monthly. We'll send your  earned interest to the account you specify- Yep... you can choose!
    Yes. The penalty we may impose will be the greater of seven days of dividends on the amount withdrawn or all dividends that have been earned not to exceed 90 days.
    Yes. You may borrow up to 90% of the pledged Savings Certificate.
    You can pick how long you want to set your money aside. Any date between 30 days and 3 years is an option. Once your term is up, you'll also have an option to renew your certificate.

Get the ball rolling

Open your account online right here.