The Supervisory Committee will be conducting the verification of members’ statements, as required by NCUA. Please review your statements carefully and report any errors directly to Pearl Hawaii Federal Credit Union, Supervisory Committee, P.O. Box 893247, Mililani, Hawaii 96789.
86th ANNUAL MEETING
Pearl Hawaii’s 86th Annual Meeting will take place at 5:30 pm HST on Wednesday, March 22, 2023, at our Waipio location (94-449 Ukee Street, Waipahu) and via a virtual meeting. During the Annual Meeting, Pearl Hawaii will report on the performance of the Credit Union and hold our annual Board of Director elections. There is no cost to attend the Annual Meeting.
Promotions and offers may end or change at any time.
CERTIFICATE SPECIAL – 14-MONTH TERM
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.
PERSONAL LOAN SPECIAL
*Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. 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. Offer valid from 1/2/2023 – 3/31/2023. Refinance of existing Pearl Hawaii Personal Loans and Lines-Of-Credit do not qualify for this offer. Payment example: $1000 for 35 estimated payments of $29.97 and 1 of $29.91. Federally insured by NCUA.
CREDIT CARD
*Annual Percentage Rate (APR). Other terms, conditions, and restrictions may apply. 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. The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on Pearl Hawaii Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. APR for Balance Transfers – 0.00% Introductory APR for a period of six billing cycles. After the 6 months promotional period, a card will revert to the approved Tier-Rate. Secured Credit Cards and no-score applicants do not qualify for this offer. See Mastercard Disclosures for additional information at https://pearlhawaii.com/creditcarddisclosures. Mastercard and the circle design are registered trademarks of Mastercard International Incorporated. Federally insured by NCUA.
CERTIFICATE SPECIAL – 20-Month Term
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.
5-YEAR FIXED INTO HOME EQUITY LINE OF CREDIT
LTV – Loan to Value. The Introductory Annual Percentage Rate (APR) of 3.75% 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. 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 shown is current as of 4/1/2022 and will not exceed 18% APR. The total HELOC loan amount received, rate, and terms are subject to credit approval. 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 and the maximum credit lines 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 existing Pearl Hawaii Federal Credit Union Home Equity Lines of Credit is not allowed. Membership required. The borrower must maintain fire, hurricane, and flood (if in a flood hazard zone) insurance on the property and Pearl Hawaii Federal Credit Union must be a loss payee on your Home Insurance policy. There are no points, pre-payment penalties, or annual fees. Closing Cost Fees that may be incurred: title insurance fee, document preparation fee, SRAappraisal 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 $5,000. For the introductory rate, the initial advance must be $10,000 or more. For the Current Variable Annual Rate, the initial advance must be $1,000 or more. 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. 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. The minimum payment for fixed intro rates and for the current variable annual rate is $100.00, NMLS# 472169. Federally insured by NCUA. HELOC EARLY DISCLOSURE.
THE PEARL 4th Quarter 2022
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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
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