Skip nav to main content.
×
cover-art
Pearl Hawaii Credit Union
Android GET - On the App Store
×
cover-art
Pearl Hawaii Credit Union
Apple GET - On the App Store
Checking Account

The Pearl | 2022 1st Quarter Newsletter

The Pearl | 2022 1st Quarter Newsletter | Issue 24

5-Year Fixed HELOCs, Improve Account Security, Retirement Prep, And More!

 


The Pearl 2022 - HELOC

 

HOME EQUITY LINES OF CREDIT

Up to 5 Year intro rates 

*details | rates | specials

 

 

apply

 

 

 

 

 

 

 

 

 


The Pearl 2022 - Alerts

 

 

 

IMPROVE ACCOUNT SECURITY WITH TRANSACTION ALERTS

learn more

 

 

 

 

 

 

 

 

 


The Pearl 2022 - SnapDeposit

 

 

SNAPDEPOSIT

 

Deposit a check just by taking a picture. With our mobile app, depositing your checks is easy as a snap. Save yourself time and gas- just upload a picture of your check.

 

details

 

 

 

 

 

 

 


The Pearl 2022 - MFA

 

 

MULTI-FACTOR AUTHENTICATION & SECURING YOU

 

 

 

details

 

 

 

 

 

 

 

 


The Pearl 2022 - Momi

 

 

 

 

 

MOMI’S MONEY

Have you started your child’s savings?

 

 

 

 

details

 

 

 

 


The Pearl 2022 - Pearl Wealth

 

 

– HOW TO PREPARE FOR TAX SEASON

– RETIREMENT PREPARATION MISTAKES…

– TAKING CHARGE OF YOUR FINANCIAL LIFE 

 

 

 

 

 

 

 


 

 

The Pearl 2022 - Reg E

 

 

 

YOUR ACCOUNT SECURITY, FRAUD, & REGULATION E

details

 

 

 

 

 

 

 

 

 

 

 


THE PEARL 1st Quarter 2022

Promotions and offers may end or change at any time.

HELOC DISCLAIMER

*LTV – Loan to Value.  APR- Annual Percentage Rate. Total HELOC loan amount received, rate, and terms are subject to credit approval. The offer is valid for qualifying applications to new Home Equity Lines of Credit. Only improved owner-occupant properties on Oahu accepted as collateral. The minimum credit line is $5,000. The maximum credit line for an 80% LTV Fee-Simple Owner-Occupied Property, the lesser of $300,000 or 80% LTV minus the balance of your existing mortgage. Refinancing of existing Pearl Hawaii Federal Credit Union Home Equity Lines of Credit not allowed. Membership required.

The borrower must maintain fire, hurricane, and flood (if in a flood hazard zone) insurance on the property. PHFCU must be a loss payee on your Home Insurance policy. Other conditions and restrictions may apply. Any existing junior liens from financial institutions other than PHFCU must be paid off and may be paid by an initial draw from the new Home Equity Line of Credit account.

There are no points, pre-payment penalties, or annual fees. Closing Cost Fees that may be incurred: title insurance fee, document preparation fee, SRA\appraisal fee, appraisal review fee, trust review fee, recording fees, application fee, or flood verification fee. Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation and are estimated between $200 to $5000.  Visit any of our branches for more information. May not be used for a business loan. The borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice.

INTRODUCTORY RATE

The Introductory Annual Percentage Rate (APR) of 1.75% will be effective for the first 24 months, 2.00% for the first 36 months, or 2.75% for the first 60 months of the Introductory Period. After the Introductory Period, the rate will adjust to the standard annual-adjustable interest rate in accordance with your Home Equity Credit Agreement. For the introductory rate, the initial advance must be $5,000 or more. The minimum payment for 24, 36, and 60-month term fixed intro rates are $100.00.

CURRENT RATE

The current non-introductory fully indexed variable APR is 4.00% for 80% LTV; the rate is applicable from 4/1/2022 through 3/31/2023. The Current Variable Index Rate will not exceed 18% APR.  The minimum payment for the current variable annual rate is $100.00. For the Current Variable Annual Rate, the initial advance must be $1000 or more.

NMLS# 472169. Equal Housing Lender. Federally insured by NCUA.

HELOC EARLY DISCLOSURE

THE PEARL 1st Quarter 2022