Pearl Hawaii Federal Credit Union - Oahu, HI
Looking for a convenient Pearl Hawaii Federal Credit Union branch or ATM on Oahu, Hawaii? Our network of locations makes accessing your accounts, getting personal service, and managing your finances easy no matter where you are on the island.
Find a Pearl Hawaii FCU Branch Near You
Pearl Hawaii Federal Credit Union is dedicated to serving members throughout Oahu. Our branches are strategically located in key neighborhoods, ensuring you have access to financial services close to home, work, or your favorite shopping areas.
Waipio Branch – Main Branch
Address: 94-449 Ukee Street, Pearl City, HI 96782
Services: Full-Service Branch, Drive-Thru, ATM
Airport Branch – Airport Trade Center
Address: 550 Paiea Street #128, Honolulu, HI, 96819
Services: Full-Service Branch
Honolulu Branch – Hokua Tower
Address: 1288 Ala Moana Blvd #106, Honolulu, HI 96814
Services: Full-Service Branch, ATM
Pearl Harbor Branch – Pearl Harbor Naval Shipyard
Address: 585 Port Royal Street, Honolulu, HI 96819
Services: Full-Service Branch
Pearl Harbor Branch
Address: 585 Port Royal Street, Pearl Harbor Naval Shipyard, Honolulu, HI 96819
Services: Full-Service Branch
Waianae Branch
Address: 85-866 Farrington Hwy, Waianae, HI 96792
Services: Full-Service Branch
Banking Services
Pearl Hawaii FCU offers full-service banking solutions, featuring:
Checking and savings accounts
Pearl Hawaii FCU’s checking and savings accounts make daily banking easy, secure, and accessible, with digital banking and friendly local service to help you save and manage money with confidence.
Certificate of Deposit (CD)
A Certificate of Deposit (CD) at Pearl Hawaii FCU offers higher interest than regular savings and ensures your money stays safe for your set savings term.
Auto loans
Our auto loans provide affordable financing for new and used vehicles, featuring low rates, flexible terms, and a simple application process. Members can benefit from fast approvals and tailored payment plans, making it easier to purchase the car you need while staying within your budget.
Personal Loans
Personal loans from Pearl Hawaii FCU offer flexible, quick funding at competitive rates for major purchases, debt consolidation, or unexpected costs—plus local, personal service every step of the way.
Home loans and mortgages
Offering mortgage solutions for buying, refinancing, or renovating homes in Waianae. Enjoy competitive rates, helpful loan options, and local support designed to make homeownership simple and affordable.
Credit cards
Credit cards from Pearl Hawaii FCU provide members with convenient purchasing power, flexible credit limits, and competitive interest rates. These cards come with local service, enhanced security features, and are a practical tool for managing everyday expenses, building credit, or handling emergencies.
ATMs and Shared Branching
In addition to our own branches, Pearl Hawaii FCU members can access thousands of surcharge-free ATMs and shared branch locations across Oahu and nationwide through the CO-OP Network.
About Us
Pearl Hawaii Federal Credit Union is a trusted financial partner serving over 30,000 members in our Oahu communities and beyond. Established with a commitment to member service, Pearl Hawaii FCU offers a comprehensive range of financial products and services, including savings, checking, loans, and cutting-edge online banking options. Our mission is to empower our members with the tools and guidance needed to achieve greater financial well-being. At Pearl Hawaii, community values and personalized service are at the heart of everything we do. We strive to make banking accessible, secure, and friendly for all our members, fostering lasting relationships rooted in trust.
Why Choose Pearl Hawaii Federal Credit Union?
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Local expertise: Serving Oahu’s communities for decades
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Competitive rates: Savings, loans, and credit cards to fit your needs
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Wide network: Multiple locations and shared branching convenience
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Trusted, secure, and member-centered service
Visit Us Today!
Stop by any Pearl Hawaii Federal Credit Union branch and see how we can help you reach your financial goals. Whether you’re a current member or looking to join, our team is ready to assist you.
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Rates effective as of: October 25, 2025
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