Pearl Hawaii is Here for You During the Government Shutdown
PEARL HAWAII IS HERE FOR YOU DURING THE GOVERNMENT SHUTDOWN
Financial stability is important to Pearl Hawaii. Members impacted by the government shutdown can look to Pearl Hawaii for assistance during this time. If you are a federal employee of an impacted federal agency, you may be eligible for one of these available options:
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OPTION 1 | LOAN PAYMENT DEFERRALÂ
Members with existing Pearl Hawaii FCU loans may be eligible for loan payment deferrals. This will not affect your credit or existing APR, but the duration or term of your loan will be extended. Text or call 808-218-6270 or email loanapps@phfcu.com for more information.
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OPTION 2 | NO-INTEREST LOAN*
Members with an active federal direct deposit may be eligible for a one time, no interest loan equal to the dollar amount of federal direct deposits received by Pearl Hawaii for a one month period. For example, if Pearl Hawaii receives a direct deposit from your payroll of $3000, you may borrow up to $3000. Text or call 808-218-6271 or email loanapps@phfcu.com for information.
Automatic payments of future direct deposits will be set up to pay the loan balance.
The loan has an annual percentage rate of 0% with the first payment due in full within sixty days.
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OPTION 3 | PERSONAL LOAN (2 YEAR TERM)*
Members and Non-members may open a personal loan for as low as 4.50% APR* up to a two year term. Loan amount is limited to one month of your net federal pay. Non-members will be subject to standard loan underwriting requirements. Employment status impacted by a government shutdown will not affect loan approval, provided the applicant meets all other underwriting requirements. First payment is due within sixty days after the date is funded. Text or call 808-218-6271 for information.
CERTIFICATE EARLY WITHDRAWAL PENALTY
Members with an existing certificate may also qualify for early withdrawal options without a penalty. Text or call 808-737-4328 or email myfamily@phfcu.com for information.
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*Members must be in good standing and an existing Pearl Hawaii FCU member as of January 31, 2026.
*Annual Percentage Rate (APR). Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit pearlhawaii.com or any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice.
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Rates effective as of: February 22, 2026
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