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Loan Rates

  • New Auto Loan Rates

    Terms
    APR* AS LOW AS
    Payment Example (Based on $1000; Monthly with 1 estimated final payment)

    2 Year
    5.75%
    23 payments of $44.21, 1 of $44.00
    apply

    3 Year
    5.75%
    35 payments of $30.31, 1 of $30.16
    apply

    4 Year
    5.75%
    47 payments of $23.37, 1 of $23.26
    apply

    5 Year
    6.00%
    59 payments of $19.33, 1 of $19.24
    apply

    6 Year
    6.25%
    71 payments of $16.69, 1 of $16.60
    apply

    7 Year
    7.50%
    83 monthly of $15.34, 1 of $15.24
    apply

    8 Year
    8.50%
    95 payments of $14.39, 1 of $14.29
    apply

    *Disclosures 

    Used Auto Loan Rates

    Terms
    APR* AS LOW AS
    Payment Example (Based on $1000; Monthly with 1 estimated final payment)

    2 Year
    6.50%
    23 payments of $44.55, 1 of $44.31
    apply

    3 Year
    6.50%
    35 payments of $30.65, 1 of $30.48
    apply

    4 Year
    6.50%
    47 payments of $23.71, 1 of $23.59
    apply

    5 Year
    6.75%
    59 payments of $19.68, 1 of $19.57
    apply

    6 Year
    7.25%
    71 payments of $17.17, 1 of $17.07
    apply

    7 Year
    8.50%
    83 payments of $15.84, 1 of $15.73
    apply

    *Disclosures 

    Used Auto Loans (Vehicles between 8 to 12 model years old)

    Terms
    APR* AS LOW AS
    Payment Example (Based on $1000; Monthly with 1 estimated final payment)

    2 Year
    6.75%
    23 monthly payments of $44.66 + 1 of $44.41
    apply

    3 Year
    6.75%
    35 monthly payments of $30.76 + 1 of $30.59
    apply

    4 Year
    7.00%
    47 monthly payments of $23.95 + 1 of $23.81
    apply

    5 Year
    7.25%
    59 monthly payments of $19.92 + 1 of $19.80
    apply

    *Disclosures 

    New Motorcycles

    Terms
    APR* AS LOW AS
    Payment Example (Based on $1000; Monthly with 1 estimated final payment)

    2 Year
    7.00%
    23 monthly payments of $44.77, 1 of $44.51
    apply

    3 Year
    7.00%
    35 monthly payments of $30.88, 1 of $30.70
    apply

    4 Year
    7.25%
    47 monthly payments of $24.06, 1 of $23.92
    apply

    5 Year
    7.50%
    59 monthly payments of $20.04, 1 of $19.91
    apply

    *Disclosures 

    Used Motorcycles

    Terms
    APR* AS LOW AS
    Payment Example (Based on $1000; Monthly with 1 estimated final payment)

    2 Year
    7.50%
    23 monthly payments of $45.00, 1 of $44.72
    apply

    3 Year
    7.50%
    35 monthly payments of $31.11, 1 of $30.91
    apply

    4 Year
    7.75%
    47 monthly payments of $24.30, 1 of $24.14
    apply

    5 Year
    8.00%
    59 monthly payments of $20.28, 1 of $20.14
    apply

    *Disclosures 

  • Mortgage Loans

    Fixed Rate Term
    Rate
    Points
    APR* As Low As
    Term (months)
    Payment Example Based on A-Tier rate of $100,000
    Total Payments
    Total Interest

    15 Year First Mortgage Owner Occupied
    5.000%
    2.00
    5.368%
    180
    $790.79
    $142,342.85
    $44,723.74
    apply

    15 Year First Mortgage Owner Occupied
    5.250%
    0.00
    5.308%
    180
    $803.88
    $144.697.99
    $45,078.88
    apply

    15 Year Second Mortgage Owner Occupied
    5.375%
    2.00
    5.747%
    180
    $810.47
    $145,883.78
    $48,264.67
    apply

    15 Year Second Mortgage Owner Occupied
    5.625%
    0.00
    5.684%
    180
    $823.73
    $148,271.71
    $48,652.60
    apply

    20 Year First Mortgage Owner Occupied
    5.375%
    2.00
    5.669%
    240
    $680.85
    $163,403.16
    $65,784.05
    apply

    20 Year First Mortgage Owner Occupied
    5.725%
    0.00
    5.772%
    240
    $700.66
    $168,157.69
    $68,538.58
    apply

    20 Year Second Mortgage Owner Occupied
    5.750%
    2.00
    6.048%
    240
    $702.08
    $168,500.04
    $70,880.93
    apply

    20 Year Second Mortgage Owner Occupied
    6.100%
    0.00
    6.148%
    240
    $722.21
    $173,330.90
    $73,711.79
    apply

    30 Year Mortgage- Owner Occupied, First Liens
    5.750%
    2.00
    5.973%
    360
    $583.57
    $210,086.23
    $112,467.12
    apply

    30 Year Mortgage- Owner Occupied, First Liens
    6.000%
    0.00
    6.036%
    360
    $599.55
    $215,838.19
    $116,219.08
    apply

    *Disclosures 

    Home Equity Lines of Credit (HELOC) Fixed Intro Rates

    Term
    APR* AS LOW AS
    Max Loan Amount up to $300,000. Max Loan to Value up to 80%.

    3 Year
    5.750%
    Minimum Monthly Payment of $100.00.
    apply

    *Disclosures 

    Home Equity Lines of Credit

    Type
    APR* AS LOW AS
    Based on an A-Tier rate of $10,000

    80% Annual Adjustable
    8.25%
    Annual Adjustable Rate applicable 4/1/2024 through 3/31/2025. Thereafter, the interest rate will adjust in accordance with the terms of the Credit Agreement. Max Loan Amount up to $300,000. Max Loan to Value up to 80% . 121 payments of $100.00 and 1 estimated final payment of $85.11.
    apply

    90% Annual Adjustable
    9.00%
    Annual Adjustable Rate applicable 4/1/2024 through 3/31/2025. Thereafter, the interest rate will adjust in accordance with the terms of the Credit Agreement. Max Loan Amount up to $150,000. Max Loan to Value up to 90%. 121 payments of $100.00 and 1 estimated final payment of $85.11.
    apply

    *Disclosures 

  • Personal

    Terms
    APR* AS LOW AS
    Payment Example (Based on $1000; Monthly with 1 estimated final payment)

    1 Year
    8.00%
    11 monthly payments of $86.99 + 1 of $86.41
    apply

    2 Year
    8.50%
    24 monthly payments of $45.45
    apply

    3 Year
    8.75%
    35 monthly payments of $31.68 + 1 of $31.45
    apply

    4 Year
    9.00%
    47 monthly payments of $24.89 + 1 of $24.70
    apply

    5 Year
    9.50%
    59 monthly payments of $21.00 + 1 of $20.84
    apply

    6 Year
    11.00%
    71 monthly payments of $19.03 + 1 of $18.86
    apply

    7 Year
    15.00%
    83 monthly payments of $19.30 + 1 of $19.06
    apply

    *Disclosures 

    Overdraft Line-of-Credit

    APR* AS LOW AS
    Minimum Payment
    Payment

    11.00%
    $15.00
    5.00% of the outstanding balance
    apply

    *Disclosures 

    Secured Personal Loan | Savings Secured

    APR* AS LOW AS
    Maximum Limit
    Term

    2.50% above the dividend rate
    100% of PHFCU Savings pledged as security up to $100,000
    1 to 5 Year Terms Available
    apply

    *Disclosures 

    Secured Personal Loan | Auto Secured

    Terms
    APR* AS LOW AS
    Payment Example (Based on $1000; Monthly with 1 estimated final payment)

    1 Year
    7.75%
    11 monthly payments of $86.87 & 1 of $86.32
    apply

    2 Year
    8.25%
    23 monthly payments of $45.34 & 1 of $45.03
    apply

    3 Year
    8.50%
    35 monthly payments of $31.57 & 1 of $31.35
    apply

    4 Year
    8.75%
    47 monthly payments of $24.89 & 1 of $24.70
    apply

    5 Year
    9.25%
    59 monthly payments of $20.88 & 1 of $20.72
    apply

    6 Year
    10.75%
    71 monthly payments of $18.91 and 1 of $18.74
    apply

    7 Year
    14.75%
    83 monthly payments of $19.16 and 1 of $18.92
    apply

    *Disclosures 

    Secured Personal Loan | Certificate Secured

    APR* AS LOW AS
    Maximum Limit
    Term

    2.50% above interest rate paid by Certificate
    90% of PHFCU Certificate pledged as security
    Maturity Date of Certificate
    apply

    *Disclosures 

  • Credit Cards

    Cards**
    Type
    Min
    Max
    APR* AS LOW AS

    PLATINUM
    Variable
    $500
    $20,000
    11.49% – 18.00%
    apply
    request increase

    REWARDS PLATINUM
    Variable
    $500
    $20,000
    13.49% – 18.00%
    apply
    request increase

    CASH BACK PLATINUM
    Fixed
    $500
    $30,000
    18.00%
    apply
    request increase

    SECURED
    Fixed
    $500
    $10,000
    18.00%
    apply
    request increase

    *Disclosures 

Savings, Checking, + Investment Rates

  • Savings

    Account
    Minimum Balance
    APY*

    Pearl Savings
    $5.00
    0.10%
    Open

    Jumbo Savings
    $5.00 | $2,500 to earn advertised APY
    0.20%
    Open

    Holiday Savings**
    $5.00
    0.20%
    Open

    Secondary Savings
    $5.00
    0.10%
    Open

    Momi’s Money (Children’s Savings)
    $5.00
    0.10%
    Open

    *Annual Percentage Yield. Rates are subject to change without prior notice. Savings Rates and terms effective June 3, 2021. Fees could reduce the earnings on the account.

    **Annual Percentage Yield. Deposits can be made to this account between November 1st and October 31st of each year. On November 1st, funds in the account will be transferred to the member’s checking or savings account (if checking is not available). $5.00 minimum balance to open and earn APY. There is a $5.00 fee per withdrawal. Fees could reduce the earnings on the account. Federally insured by NCUA. 

  • Checking

    BENEFITS
    Minimum Balance

    Pearl Checking
    No minimum deposit, monthly service fee, or minimum balance requirement.
    $0
    Open

    Teen Debit & Checking
    No minimum deposit, monthly service fee, or minimum balance requirement.
    $0
    Open

    Teen Debit Card Account Disclosures

    Please bring your teen’s social security card when opening the account. Opening/minimum balance is $5.00. Certain conditions and restrictions may apply. An adult (the account owner) will be responsible for all transactions, fees, and overdrafts that occur. Must be aged 13 to 17.

  • Certificates

    Term
    Minimum Balance
    APY*

    36 Months
    $1,000
    3.00%
    Open

    24 Months
    $1,000
    2.00%
    Open

    12 Months
    $1,000
    1.25%
    Open

    8 Months
    $1,000
    4.00%
    Open

    6 Months
    $1,000
    1.25%
    Open

    1-5 Months
    $1,000
    1.25%
    Open

    *APY = Annual Percentage Yield. The rate is effective 1/29/24. 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 grace period after maturity. Fees could reduce the earnings on the account. Penalties apply for early withdrawals. Other restrictions may apply. Federally insured by NCUA. **APY = Annual Percentage Yield. This offer is effective 7/15/24. Promotion and offer may end or change at any time. The minimum balance is $5,000; no maximum balance. Penalties apply for early withdrawals. Fees could reduce the earnings on the account. Other restrictions may apply. Offer is available to only new monies deposited from financial institutions other than Pearl Hawaii. Federally insured by NCUA.

  • IRAs

    Type
    Minimum Balance
    APY*

    3 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)
    $1,000
    3.00%

    2 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)
    $1,000
    2.00%

    1 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)
    $1,000
    1.25%

    8 Month – IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)
    $1,000
    4.00%

    IRA Savings Account (Traditional, Roth, Coverdell Education Savings Account)
    $5.00
    0.20%

    *Annual Percentage Yield. Rates are subject to change without prior notice. Rates and terms effective 8/5/24. Fees could reduce the earnings on the account. Penalty for early withdrawal. Federally insured by NCUA.

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Example table

Rates effective as of: January 18, 2025

{Optional: Insert table disclosure information}

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