Celebrate with Pearl Hawaii’s Holiday Certificate Special for 3.00% APY* for a 14-month term. With a minimum deposit of $1000 and no maximum deposit, start 2023 the right way with a stellar rate.
For members interested in opening an IRA Certificate, please visit any location.
WHAT IS A CERTIFICATE? IS IT LIKE A CERTIFICATE OF DEPOSIT OR A 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
HOLIDAY CERTIFICATE SPECIAL
3.00% APY* For a 14-Month Term | $1000 Minimum & No Maximum
*APY = Annual Percentage Yield. The rate is effective November 9, 2022. 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. Penalties apply for early withdrawals. Other restrictions may apply. Federally insured by NCUA.
**This offer, including the stated Annual Percentage Yield (APY), is effective November 9, 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 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.
***This offer, including the stated Annual Percentage Yield (APY), is effective October 25, 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 accounts must be current. Dividends will be compounded and credited monthly.
IRA Savings Account (Traditional, Roth, Coverdell Education Savings Account)
$0.01
0.20%
*Annual Percentage Yield. Rates are subject to change without prior notice. Rates and terms effective November 9, 2022. Fees could reduce the earnings on the account. Penalty for early withdrawal.
**This offer, including the stated Annual Percentage Yield (APY), is effective November 9, 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 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.
***This offer, including the stated Annual Percentage Yield (APY), is effective October 25, 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 accounts must be current. Dividends will be compounded and credited monthly. Federally insured by NCUA.
Test Modal
In consectetuer turpis ut velit. Aenean ut eros et nisl sagittis vestibulum. Aenean posuere, tortor sed cursus feugiat, nunc augue blandit nunc, eu sollicitudin urna dolor sagittis lacus. Quisque id mi. Phasellus viverra nulla ut metus varius laoreet.
Integer tincidunt. Nullam nulla eros, ultricies sit amet, nonummy id, imperdiet feugiat, pede. Quisque ut nisi. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia Curae; In ac dui quis mi consectetuer lacinia. Vivamus quis mi.
Test Modal 2
Sed a libero. Nullam nulla eros, ultricies sit amet, nonummy id, imperdiet feugiat, pede. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Phasellus blandit leo ut odio. Nullam nulla eros, ultricies sit amet, nonummy id, imperdiet feugiat, pede.
Ut varius tincidunt libero. Cras ultricies mi eu turpis hendrerit fringilla. Morbi ac felis. Vestibulum facilisis, purus nec pulvinar iaculis, ligula mi congue nunc, vitae euismod ligula urna in dolor. Donec mollis hendrerit risus.
Members with an existing PHFCUOnline username are experiencing problems with logging into the new home banking site. We are currently working quickly to resolve this issue. The work around is to click on the Forgotten Password link and to follow the onscreen instructions.
· Send it in the mail: PEARL HAWAII FEDERAL CREDIT UNION, Attn: Human Resources Dept., 94-449 Ukee Street, Waipahu, HI 96797
Leaving Our Website
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.
