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2022 Certificate Special

GET A GREAT RATE.

MAKE IT COUNT.

 

Enjoy guaranteed returns with Pearl Hawaii’s Certificate Special for 1.25% APY* for a 20-month term. With a minimum deposit of $1000 and no maximum deposit, you can start earning regardless of your savings style.

Certificate Special

 

ARE YOU A MEMBER?

 

Get started with our Certificate Application Form. 

open a certificate

NEED OUR HELP?

Call us at 808.737.4328 or

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NOT A MEMBER? OPEN AN ACCOUNT WITHIN MINUTES

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IRA CERTIFICATE SPECIAL 

For members interested in opening an IRA Certificate, please visit any location.

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

Pearl Hawaii’s Certificates are similar to a Certificate of Deposit (CD) and allow your money to earn money.

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

HOW DO CERTIFICATES WORK? 

The total amount of interest you earn on a Certificate 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. Certificate 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

 

CERTIFICATE SPECIAL 

1.25% APY* For a 20-Month Term | $1000 Minimum & No Maximum 

Certificates

Term Minimum Balance APY*
36 Months $1,000 0.65% Open
24 Months$1,000 0.50% Open
20 Months$1,0001.25%**Open
12 Months $1,000 0.45% Open
6 months $1,000 0.25% Open
30 to 179 days $1,000 0.20% Open

*Annual Percentage Yield. Rates are subject to change without prior notice. Rates and terms effective June 3, 2021. Fees could reduce the earnings on the account. Penalty for early withdrawal.

***APY = Annual Percentage Yield. Limit one Special 20-Month Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective September 1, 2022. 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 20-month term unless the member submits a written notification. Thereafter, the certificate will automatically renew to a 12-month term. Member's loans and accouts 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 0.65%
2 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 0.50%
20 Month - IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$10001.25%**
1 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)$1,000 0.45%
IRA Savings Account (Traditional, Roth, Coverdell Education Savings Account)$0.010.20%

*Annual Percentage Yield. Rates are subject to change without prior notice. Rates and terms effective August 24, 2020. Fees could reduce the earnings on the account. Penalty for early withdrawal.

***APY = Annual Percentage Yield. Limit one Special 20-Month Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective September 1, 2022. 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 20-month term unless the member submits a written notification. Thereafter, certificate will automatically renew to a 12 month term. Member's loans and accouts must be current. Dividends will be compounded and credited monthly. Federally insured by NCUA.