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Q | Is a Credit Union like a Bank?

A | In some ways, yes. A Credit Union offers a wide variety of financial services comparable to a commercial bank. Also, both are federally insured and regulated. However, unlike other financial institutions, a Credit Union is owned and operated by its members who save and borrow there. There are no outside stockholders. Our board of directors is made up of unpaid volunteers who are elected from and by our membership. As a not-for-profit financial cooperative, earnings are returned to members in the form of dividends, lower loan rates, higher interest rates on deposits, fewer fees, and free services.

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Rates effective as of: October 14, 2026

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By accessing this link, you will be leaving the Credit Union’s web site and entering a web site hosted by another party.

Although the Credit Union has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Credit Union’s web site. The other party is solely responsible for the content of its web site.

We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the Credit Union.

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FRAUD ALERT: Beware of people calling claiming to be from Pearl Hawaii where the caller ID says Pearl Hawaii. Pearl Hawaii will never ask you to respond to a text to reverse or erase a transaction, or ask for passwords, PINs, card numbers, Social Security numbers, or authentication codes. If you shared personal information, contact us immediately at 808-737-4328 or MyFamily@phfcu.com .