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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Get a Great Certificate Rate. Make it Count.

CERTIFICATE SPECIAL

 

Enjoy guaranteed returns with Pearl Hawaii’s Certificate Special. With a minimum deposit of $1000 and no maximum deposit, you can start earning regardless of your savings style.

 

ARE YOU A MEMBER?

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NEED OUR HELP?

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NOT A MEMBER? OPEN AN ACCOUNT WITHIN MINUTES

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WHAT IS A CERTIFICATE? IS IT LIKE A CERTIFICATE OF DEPOSIT OR CD? 

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, they have higher interest rates than savings accounts as an incentive for lost liquidity.

HOW DO THEY WORK? 

The total amount of interest you earn 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. 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

 

Certificates

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

*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 grace period after maturity. 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.


IRAs

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**
IRA Savings Account (Traditional, Roth, Coverdell Education Savings Account)$5.000.20%

*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.

**This offer, including the stated Annual Percentage Yield (APY), is effective 1/29/24. Promotion and offer may end or change at any time. Promotion is applicable to Pearl Hawaii Certificates and IRA Certificates. The minimum balance is $1000; no maximum balance. Deposits and withdrawals are subject to a seven-calendar-day period. Penalties apply for early withdrawals. Other restrictions may apply. Certificates will automatically renew after the first 14-month term unless the member submits a written notification. Thereafter, the certificate will automatically renew to a 12-month term. Member's loans and accounts must be current. Dividends will be compounded and credited monthly. Federally insured by NCUA.