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Building trust, nurturing dreams, inspiring hope.
Our Mission + Vision
Caring for our local community with outstanding service and awesome innovation.
Our Purpose
Building trust, nurturing dreams, inspiring hope. One meaningful experience at a time.
You come first at Pearl Hawaii
When you join Pearl Hawaii, you are not just an account number. Pearl Hawaii Federal Credit Union is a not-for-profit financial cooperative, which means that all of our members are also owners.
Our members-first philosophy has always served us well. With nearly 90 years of history, Pearl Hawaii Federal Credit Union is one of the largest financial institutions in Hawaii. Our excellent online and mobile banking services, combined with our full suite of competitive products, make banking simpler for our members.
Strong history, secure philosophy, sound practices… and a lot of fun along the way
Established in 1937, Pearl Hawaii Federal Credit Union is one of Oahu’s largest credit unions with $440 million in assets, 32,000 members, 6 branches, and 70 employees. Pearl Hawaii is a leader and award winner in innovation, member satisfaction, branch services, digital services, fraud detection, charitable giving, financial advice, and as a leading employer. The credit union serves everyone who lives, works, attends school, and worships on Oahu and their families.
We have built a foundation of community, service, and benefits
From home or car loans to Hawaii’s most innovative banking services, Pearl Hawaii is committed to you. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at MyFamily@phfcu.com.
We aren’t like most banks or other financial institutions
We treat your well earned money like it’s… well… yours! Our members are our friends and family. We are famous for creating products when people need it- from long term auto loans, to creating solutions to save Oahu’s people from predatory lenders, and with helping furloughed members by giving then emergency loans and deferred loan payments. Regardless of the hardship- we have been there for you!
We change lives
Community is important to us. We have held free car washes and green events, engaged Hawaii’s children through plays and activities to promote financial literacy, walked for breast cancer, passed out and donated free school supplies to the underserved and… well… at Pearl Hawaii Federal Credit Union, we are about finding solutions to help each member and improve our community.
It shows in the way we treat our members. After all, we are member-owned. So, thank you! Without you, there is no PHFCU. Our commitment shows in our public involvement. Here’s a few of the organization we currently sponsor:
- Hawaii Food Bank
- Kapiolani Medical Center Children’s Miracle Network
- Special Olympics of Hawaii
- American Cancer Association
- Pearl Harbor Naval Shipyard Apprentice Program
- Local Schools
- Waianae Rotary Club
We actively promote the credit union difference by educating our community, serving as volunteers, and by serving as leaders in national and local credit union organizations. We love what we do, and we love making a difference.
We are banking, but with oomph
Pearl Hawaii is rewriting the script in the financial services industry. The truth is, the next time you visit your nearest branch, you might just stumble upon some extremely happy members. Cashing a check or making a loan payment has never been so entertaining.
Who can open an account?
All you need is $5.00* and a dream (and happen to meet one of the criteria below).
- Live, work, worship, or attend school on O’ahu.
- Be a family member of someone who lives, works, worships, or attends school on O’ahu (i.e., spouse, child, parent, grandparent, grandchild, sibling, or even related through a step, adoptive, or foster relationship).
- Be a household member of someone who lives, works, worships or attends school on O’ahu (For example, your son attends school on Oahu but you live on another island or in another state- you still can join!).
- Open an account online if that is easier or visit us in Honolulu, Waipio, Waianae, Ewa, near the Airport, or on Pearl Harbor if you want to see a smiling face.
A little backstory
1937 – Pearl Hawaii Federal Credit Union (Pearl Hawaii, PHFCU, formerly Pearl Harbor Federal Credit Union) was founded when six credit unions were organized and chartered to service the civilian employees of Pearl Harbor according to their respective areas of membership.
1945 – WWII ends, creating economic increase & more demand for credit union services.
1952 – Growth leads credit union officers & government officials to meet; they decide to consolidate original 6 shipyard branches into one central office.
1955 – Pearl Harbor Federal Credit Union merger finalizes with all six of the shipyard credit unions became one entity. During this time, membership was at 4,300, savings at $872,000, loans at $593,000, assets at $927,000, and membership was limited to the civilians who worked on Pearl Harbor.
1961 – The field of membership was expanded to include the individuals in the military stationed on Pearl Harbor and membership increased rapidly.
1963 – PHFCU rose to the top-ranking credit union in the state of Hawaii with assets over $4 million, membership at 10,000, savings at $3,650,000, and loans of $2,678,000.
1965 – NCUA applauds PHFCU as first credit union in the region to provide educational loans under Education Act of 1965.
1987 – During the 50th anniversary, PHFCU reached $84 million in assets. During this year, PHFCU strived again ahead of other credit unions by entering the market of 2nd mortgages, planning for an offsite branch, and gave members the convenience of accessing their accounts from home by a telephone.
1993 – Duty Free Shoppers Federal Credit Union merged with PHFCU.
2001 – September 11th leads executives to an action plan to help members regain access to & protect funds; decision made to build a more widely accessible facility on Oahu.
2005 – Waipio main office opens its doors. PHFCU obtained a Community Charter, which allowed the Credit Union to service individuals who live, work, attend school, and worship on the island of O’ahu.
2009– Kokua Federal Credit Union merged with PHFCU.
2014 – Pearl Harbor Federal Credit Union changes its name, logo, and branding and became Pearl Hawaii Federal Credit Union.
2018– West Oahu Federal Credit Union merged with PHFCU.
2022 – Pearl Hawaii celebrates providing financial services and banking in Hawaii for 85 years.
Today – Pearl Hawaii is one of the leading financial institutions on Oahu and in Hawaii State. Within the last few years, Pearl Hawaii had many new beginnings and developed in many areas, including new technologies, marketing, services, and lending.
Affiliations
- National Credit Union Administration (NCUA)
- Defense Credit Union Council (DCUC)
- National Association of Federally Insured Credit Unions (NAFCU)
- The Armed Forces Financial Network (AFFN)
- Credit Union National Association (CUNA)
- Hawaii Credit Union League (HCUL)
Services
Home Loans | Personal Loans | Auto Loans | Credit Cards | Savings | Checking | Certificates (CDS) | Access | Financial Education | Benefits & Services
Get started
Open an account | Apply for a loan | Pearl Hawaii Wealth Advisors
Access
Banking from home | Download our app | Login instructions
Deposit a check | Pay with your device | Debit card request
Branch & ATMs | Order checks | Upgrade (Pearl Hawaii’s Blog)
Upgrade you.
Building trust, nurturing dreams, inspiring hope. From home or car loans to Hawaii’s most innovative banking services, Pearl Hawaii is committed to you. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at MyFamily@phfcu.com.
Communities | FAQs | Join | Jobs | The Pearl | Upgrade | Benefits & Services
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Rates effective as of: April 26, 2025
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