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Are CD Rates Getting You Down? Try Reward Checking…

HIGH-YIELD CHECKING PUTS YOU IN CONTROL OF YOUR DIVIDENDS

Our world is constantly shifting and changing. One day, dividends are at its all-time high and the next it’s at an all-time low. These days, it seems like “change” is the only thing that is a certainty. However, Pearl Hawaii has options that can give you a way to take control of your dividends when you use one of our checking accounts.

With our reward checking accounts*, you don’t have to worry about when your CD rate will get better. Instead, choose between receiving a high rate, getting cash back, or a monthly $10 reward from iTunes, Amazon, or Google. To get the rewards, you just have to do things that you probably do already: conduct 12 Debit Card authorized purchases per month, log into PHFCUOnline once per month, and be enrolled in e-statements… Easy-peasy.

ADDITIONAL BENEFITS INCLUDE:

  • No minimum balance
  • Don’t worry about monthly maintenance fees- there are none.
  • Nationwide ATM withdrawal fee refunds up to $20 per cycle
  • With Kasasa Cash* and Kasasa Cash Back*, you gain access to Kasasa Saver**

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BUILD YOUR SAVINGS… AUTOMATICALLY.

Our Kasasa Saver account is simple, straightforward, and earns a competitive rate. You can pair it with one of our Kasasa Checking accounts that earn great rewards, like cashback or extra interest.

 

KASASA SAVINGS BENEFITS:

  • No monthly service fees
  • 0.75% APY up to a balance cap of $20,000 (If account requirements are met)
  •  Earn a base rate of 0.005% APY (If the account  requirements are not met)
  •  No minimum balance

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Kasasa Terms & Conditions

 

CHECKING LINKS

Rates

Certificate Rates

Rates effective as of: April 24, 2025

*APY = Annual Percentage Yield. The rate is effective 1/29/24. Promotion and offer may end or change at any time. The minimum balance is $1000; no maximum balance. Deposits and withdrawals are subject to a seven-calendar-day grace period after maturity. Fees could reduce the earnings on the account. Penalties apply for early withdrawals. Other restrictions may apply. Federally insured by NCUA. **APY = Annual Percentage Yield. This offer is effective 12/16/24. Promotion and offer may end or change at any time. The minimum balance is $1,000; no maximum balance. Penalties apply for early withdrawals. Fees could reduce the earnings on the account. Other restrictions may apply. Offer is available to only new monies deposited from financial institutions other than Pearl Hawaii. Federally insured by NCUA.

Savings Rates

Savings

Rates effective as of: April 24, 2025

*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.

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Rates effective as of: April 24, 2025

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