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Pearl Hawaii Credit Union
Android GET - On the App Store
Pearl Hawaii Credit Union
Apple GET - On the App Store

Welcome to Pearl Hawaii!


We are proud to welcome you to the Pearl Hawaii Federal Credit Union family. Please use this as a resource to learn more about the banking needs that we provide. If you are looking for additional information, please don’t hesitate to contact us. We’re happy to help you!


locations contact us

Online Services

Use any device to access your Pearl Hawaii account information! It’s totally free and is accessible 24 hours, 7 days a week!

If you have not done so already, please register for PHFCUOnline. Once registered, you can receive electronic statements, pay your bills, manage your financial life with LIFE Manager (Loans, Investments, Finances, Earnings Manager), make transfers, conduct deposits, plus more!


register login instructions

What can I do on PHFCUOnline?

  • Account transfers – transfer money between your accounts, transfer money to another account at Pearl Hawaii,  transfer to another financial institution, or transfer to a friend or family member through text or email.
  • Make a loan payment on your account
  • Set up external transfers to accounts you may have at other financial institutions
  • Send Secured Messages
  • Change Your Address (Simply send us a message through our secured messaging system)
  • Sign up for E-Mail Alerts
  • Pay your bills
  • View your statements
  • Make deposits with SnapDeposit
  • Manage your expenses with LIFE Manager

Bank from Home

Convenient Services

Routing Number: 321380328

With a wide variety of accounts and services, you can keep things running smoothly today and plan for a bigger, better tomorrow. And with friendly, local service from our expert staff, you can enjoy the personal attention you deserve.

Membership Benefits

Pearl Hawaii is your trusted financial partner with a wide variety of accounts and services.

What you’ll love about being a member with us:

  • Credit card with reward options and low-interest rates
  • Youth and Teen Accounts
  • Great rates on Home, Auto, and Personal loans
  • Certificates

Benefits & Services

Lending Options

When it’s time to buy a car, renovate your home, consolidate your debt, or simply handle everyday expenses, Pearl Hawaii may be able to help. Our loan programs offer low rates, flexible terms, and convenient options. You can apply for a loan in person, over the phone, or online.

Mortgage Loans | Auto Loans | Credit Cards | Personal Loans


HELOC Special