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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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From home or car loans to Hawaii’s most innovative banking services, Pearl Hawaii is committed to you. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at


Building trust, nurturing dreams, and inspiring hope. One meaningful experience at a time.


For nearly 90 years, Pearl Hawaii has provided banking services to Oahu. From loans like credit cards, mortgages, personal loans, and new or used auto loans to savings products like checking accounts with no minimum balance or monthly service fee, reward checking, teen and kid accounts, and investments… all with innovative and top-notch digital banking options. We have a ton to offer. It doesn’t stop there. Community events, volunteerism, and giving back — we do that too. We are banking, but with oomph.

Opening your account is easy. You can get started online or give us a call. We’re always excited to talk to new members. Get Pre-Qualified with Pearl Hawaii and apply for your loan. Know what you can afford before you start shopping. Let Pearl Hawaii’s loan experts take care of you so you can get to the fun stuff. From the finest service to the latest tech, we’ve got your back in every possible way. At Pearl Hawaii, we are committed to providing you with the most innovative products and services.