Skip nav to main content.
Pearl Hawaii Credit Union
Android GET - On the App Store
Pearl Hawaii Credit Union
Apple GET - On the App Store

Benefits & Services

Hawaii Secured Loan

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.





CD Rates | Key and door


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

Mobile App Download our app from your smartphone’s app store (search for Pearl) DETAILS & DOWNLOAD

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


Digital Wallets (Apple, Google, Samsung)

PearlWallet 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. DETAILS + DOWNLOAD


  • 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

register login instructions


  • Personal (Emergency, Tax, Debt Consolidation, plus more!)
  • New Auto
  • Used Auto (up to 12 model years old)
  • Motorcycle
  • Partially Secured
  • Overdraft Lines of Credit
  • Savings Certificate Secured
  • Share Secured
  • Credit Cards
  • Smart Advance1 (Payday Loan Option)
  • PAL Certificate (Pre-Approved Loan)
  • Student Loan- Sallie Mae
  • Credit Create (First Time Credit Program)


  • 30 Year Mortgages (Conventional, Investment, First Time Home buyer available)
  • Home Equity Loans (up to 30 year terms)
  • Home Equity Lines of Credit (HELOC)
  • Closed-End Second Mortgage Loans
  • HELOC Fixed Advance
  • No Point Options


  • Guaranteed Auto Protection (GAP) Plus
  • Mechanical Repair Coverage (MRC)
  • Pre-Approved Loan (PAL) Certificate
  • Automatic Payments
  • Loan Debt Protection
  • Loan Protection


  • Savings Accounts
  • Checking Accounts
  • Checking Rewards (Cash, Cash Back, or Gift Card)
  • Jumbo Savings Account
  • Holiday Savings
  • Savings Certificates
  • Momi’s Money (Kids aged 12 and younger)
  • Teen Debit Account (Teens aged 13-17)

Some of your Services


Pearl Hawaii Wealth Advisors

  • Retirement
  • Financial Management
  • Education Planning
  • Wealth Management Investments Individual Retirement (IRA)
  • Meet your Advisor


  • Life
  • Long-Term Care
  • Disability Income
  • Accidental Death and Dismemberment
  • Term Life
  • Whole Life
  • Lifetime Income Plan
  • Auto
  • Home