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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Benefits & Services

Retirement (2)

Once you open an account at Pearl Hawaii, you will be able to take advantage of several benefits and services to assist you with your banking needs.





Your Online Branch | Login Instructions

Shared Branching Pearl Hawaii members have access to many locations locally and thousands nationwide

Mobile Banking Download our app from your smartphone’s app store (search for Pearl)

ATM Access Members have surcharge-free access through First Hawaiian Bank ATMs.


Digital Wallets (Apple, Google, Samsung)

Card Controls Cardholders can review their card transactions, set alerts, develop controls, make payments, report a card as lost or stolen, and add or remove the cards they wish to manage.

Member Telephone Service Pearl Hawaii Federal Credit Union’s Member Telephone Service (MTS) is easy to use and a convenient way to access all of your account information. Just call us at 808-737-4328 (73-PHFCU) to access your account. For instructions, please visit MTS Instructions.


Bank From Home

Open or Add accounts

See past statements

Pay your bills

View checks

Transfer funds to your other accounts, at another financial institution, to another member, or you can use PearlPay to transfer to someone not with Pearl Hawaii.

Manage Money with LIFE (Loans, Investments, Finances, Earnings) Manager

Deposit Checks with SnapDeposit

Secured Messaging

Apply for a Loan

Debit Card Request


login instructions


Upgrade you with a Pearl Hawaii loan...

Personal (Emergency, Tax, Debt Consolidation, plus more!)

New Auto

Used Auto (up to 12 model years old)



Overdraft Lines of Credit

Certificate Secured

Share Secured

Auto Secured

Credit Cards

Smart Advance 

PAL Certificate (Pre-Approved Loan)

Student Loan- Sallie Mae

Credit Create (First Time Credit Program)


Emergency Assistance In the event that you experience an emergency, PHFCU will offer members relief assistance and options, which may include: payment deferments, partial payment plans, flexible payment arrangements and term modifications, low rate consolidation loans, payday loan alternatives, and personal loans for amounts of $300 up to $50,000. Please call us so we can help you.


WIRE TRANSFERS | To send a wire transfer, come into any of our branches. Make sure to bring all your recipient’s banking info, as well as your ID. Wire processing times are from Monday through Friday (Domestic Wires: 8:00 am – 10:30 am HST,  International Wires: 8:00 am – 9:30 HST). Our Member Service Representatives can accept wires any time during the day, but your request must be received before 10:30 am for domestic wires and 9:30 am for international wires if you would like to have the wire go out on the same day.

SAFE DEPOSIT BOXES | Available at Waipio.




INSTANT ISSUE CARDS  | Available at Waipio, Waianae, Airport, Honolulu, Ewa




COIN SORTING | Waipio, Airport | As a member, you can use one of our Coinstar kiosks. MEMBER BENEFIT | Free up to $200 Per Day. 5% Thereafter. NON-MEMBERS | 9% Fee

MONEY ORDERS | If you prefer not to send cash or a personal check, money orders may be your alternative. Money orders, which are widely accepted in place of checks and cash, can be requested at any location. They are available in amounts up to $1,000. Money Orders are guaranteed by the Credit Union, and therefore is also sometimes preferred by some merchants. In addition, you do not have to specify who the Money Order is being written to at the time that you purchase it.

OFFICIAL CHECKS |  As an added convenience to our members, PHFCU offers Official Checks for those times when you need funds that are absolutely guaranteed by us. This service is available at all locations.

TEMPORARY CHECKS | In a bind and need checks immediately? We can print checks for your on the spot. Note: Service is only available at our Waipio location.

CARD CONTROLSMonitor your card and receive alerts

INSTANT ISSUE CARDS  | Available at Waipio, Waianae, Airport, Honolulu, Ewa






Pearl Hawaii members can receive Get Away Today special offers on a variety of vacations across the world.

Get exclusive Disneyland offers such as adult admissions at kids’ prices for select dates, 5th day free Park Hopper tickets, extra night free hotel specials, and layaway plans from $175 down.

Get Away Today is the #1 discount provider to the Disneyland Resort and will save you the most on park tickets, discount hotel stays, transportation, dining, and more! Also, when you use our link for your next vacation, Get Away Today will make a donation to The Children’s Miracle Network.


Pearl Hawaii members can save by purchasing discounted movie tickets at any location. The next time that you are at the branch, just ask any Member Service Specialist that you would like to purchase Consolidated or Regal theatre tickets.


Pearl Hawaii members can receive exclusive discounts from a variety of partners, including Turbo Tax, Carvana, Sams Club, Calm, plus several travel deals.



Long-Term Care

Disability Income

Accidental Death and Dismemberment

Term Life

Whole Life

Lifetime Income Plan