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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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CERTIFICATE AND IRA TRANSFER


This form is for existing Pearl Hawaii members. If you are not a member, you will be required to open an account online.  Click Here To Open Your Membership.

This form is for Certificates and IRA Certificates only. If you would like to make an IRA contribution, please visit any location.

Certificate Rates

Term Minimum Balance APY*
36 Months $1,000 3.00%
24 Months$1,000 2.00%
12 Months $1,000 1.25%
8 Months$1,0004.25%**
6 months $1,000 1.25%
1-5 Months$1,000 1.25%

*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 period. 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, including the stated Annual Percentage Yield (APY), is effective 1/29/24. Promotion and offer may end or change at any time. Applicable to Pearl Hawaii Certificates and IRA Certificates. The minimum balance is $1,000; no maximum balance. Deposits and withdrawals are allowed during the seven-calendar-day grace period after maturity. Penalties apply for early withdrawals. Fees could reduce the earnings on the account. Other restrictions may apply. Certificates will automatically renew for a 12-month term at maturity unless the member submits written notification. Member's loan and accounts must be current. Dividends will be compounded and credited monthly. Federally insured by NCUA.

IRA Certificates

Type Minimum Balance APY*
3 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 3.00%
2 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 2.00%
1 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 1.25%
8 Month-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,0004.25%**

*Annual Percentage Yield. Rates are subject to change without prior notice. Rates and terms effective 1/29/24. Fees could reduce the earnings on the account. Penalty for early withdrawal. **APY = Annual Percentage Yield. This offer, including the stated Annual Percentage Yield (APY), is effective 1/29/24. Promotion and offer may end or change at any time. Applicable to Pearl Hawaii Certificates and IRA Certificates. The minimum balance is $1,000; no maximum balance. Deposits and withdrawals are allowed during the seven-calendar-day grace period after maturity. Penalties apply for early withdrawals. Fees could reduce the earnings on the account. Other restrictions may apply. Certificates will automatically renew for a 12-month term at maturity unless the member submits written notification. Member's loan and accounts must be current. Dividends will be compounded and credited monthly. Federally insured by NCUA.