Celebrate with Pearl Hawaii’s Holiday Certificate Special for 3.00% APY* for a 14-month term. With a minimum deposit of $1000 and no maximum deposit, start 2023 the right way with a stellar rate.
For members interested in opening an IRA Certificate, please visit any location.
WHAT IS A CERTIFICATE? IS IT LIKE A CERTIFICATE OF DEPOSIT OR A CD?
Pearl Hawaii’s Certificates are similar to a Certificate of Deposit (CD) and allow your money to earn money.
Like a Certificate of Deposit (CD), sometimes referred to as a Savings Certificate, Pearl Hawaii’s Certificates earn interest on a lump sum for a fixed period of time. Certificates are different than savings accounts because the money must remain untouched for the entirety of their term or risk penalty fees or lost interest. Typically, certificates have higher interest rates than savings accounts as an incentive for lost liquidity.
HOW DO CERTIFICATES WORK?
The total amount of interest you earn on a Certificate is determined by the term length and your initial deposit. Typically, the longer your term length and the greater your deposit, the higher the interest you will earn. Certificate accounts are insured by NCUA.
WHAT IS AN APY?
Annual Percentage Yield, or APY, is the total interest earned over the course of the year. This is different from the interest rate as it includes compounding interest. As you accumulate interest on your initial deposit, your account balance grows. APY includes not only the interest on your initial deposit but also the interest on the growth in your balance, i.e. the interest on the interest you’ve accumulated
HOLIDAY CERTIFICATE SPECIAL
3.00% APY* For a 14-Month Term | $1000 Minimum & No Maximum
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