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Q | What is a Credit Union?

A | A Credit Union is a member-owned financial cooperative. As a not-for-profit cooperative institution, a Credit Union uses excess earnings to offer members affordable loans, a higher return on savings, lower fees, or new products and services. A Credit Union is operated entirely by and for its members. Once you deposit money, you become a member since your deposit represents your ownership share.

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Rates effective as of: November 6, 2025

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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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Important Security Alert – Individuals impersonating Pearl Hawaii FCU’s Fraud Department have been calling members and asking them to verify fraudulent transactions. Don’t provide them with your information. Call us directly at (808)737-4328 to report the incident .