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 | $1,000 | 4.25% |
| 8 Months | $5,000 (new monies) | 5.25%** |
| 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 is effective 4/15/24. Promotion and offer may end or change at any time. The minimum balance is $5,000; 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.
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) | $1,000 | 4.25% |
*Annual Percentage Yield. Rates are subject to change without prior notice. Rates and terms effective 4/15/24. Fees could reduce the earnings on the account. Penalty for early withdrawal. Other restrictions may apply. Federally insured by NCUA.