UNLOCK EXTRA SAVINGS
WITH PEARL HAWAII’S CERTIFICATE SPECIAL
Unlock extra savings Pearl Hawaii’s Certificate Special of 3.00% APY* for a 14-month term. With a minimum deposit of $1000 and no maximum deposit, start your savings goals now.
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IRA CERTIFICATE SPECIAL
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
CERTIFICATE SPECIAL
3.00% APY* For a 14-Month Term | $1000 Minimum & No Maximum
Certificates
| Term | Minimum Balance | APY* | |
|---|---|---|---|
| 36 Months | $1,000 | 0.65% | Open |
| 24 Months | $1,000 | 0.50% | Open |
| 14 Month | $1000 | 3.00%** | Open |
| 20 Month | $1000 | 1.25%*** | Open |
| 12 Months | $1,000 | 0.45% | Open |
| 6 months | $1,000 | 0.25% | Open |
| 30 to 179 days | $1,000 | 0.20% | Open |
*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.
IRAs
| Type | Minimum Balance | APY* |
|---|---|---|
| 3 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account) | $1,000 | 0.65% |
| 2 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account) | $1,000 | 0.50% |
| 14 Month - IRA Certificate (Traditional, Roth, Coverdell Education Savings Account) | $1,000 | 3.00** |
| 20 Month - IRA Certificate (Traditional, Roth, Coverdell Education Savings Account) | $1000 | 1.25%*** |
| 1 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account) | $1,000 | 0.45% |
| 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.