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Simply Savings

Pearl Savings

Pearl Hawaii offers a suite of Savings Accounts created to help you make your long-term financial dreams a reality. Financial security is something you prepare for. To ensure you get to where you want to go, you need a partner that provides you with pathways to achieve your goal.

Our traditional savings means you can also accomplish other financial goals. We’re proud to be a full-service credit union that’s still got that local charm. Hopefully, you can start your journey with us and we’ll take a ride together.

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  • Get started with just $5.00

  • Required to establish membership.

  • Free online banking and more.

  • Earn competitive dividends

  • Open other Pearl Hawaii accounts

Save Big, Dream Bigger

Jumbo Savings Account

Saving up for a down payment? Getting ready to buy a car with cash? This savings account earns a bigger-is-better rate, but you’ll still have access to your money whenever you need it.

• Open with as little as $2500
• Save more with zero monthly fees
• Manage your money from anywhere

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Savings for Children

Momi’s Money* Savings Account
From little red envelopes on Chinese New Year to their first allowance, this account is perfect for teaching keikis 12 and under to save.
 
Pennies Add Up
Whether it’s a birthday card from nana, a chore allowance, or tooth fairy visits, your kids will want to keep their treasure safe. A Momi’s Money Savings*** is a perfect way. It might surprise them to watch their money grow when they add it to a savings account.
 
Features
• From birth to age 12
• Start with as little as $5
• Includes a free money bank upon account opening
• Eligible* for a free birthday gift each year or special giveaways during the year
• Comes with free coin sorting services (up to $200 per day)

Open a Children's Account

A Stress-Free Holiday?

Holiday Savings Account*

Avoid the stress that comes with the holiday season and open up Pearl Hawaii’s Holiday Savings account. With a Holiday Savings account, you can save during the year and avoid debt during the holidays.
 
Get Started with $5
With a minimum opening deposit of $5, start saving for the holidays now by setting up monthly deposits into your Holiday Savings account. On November 1st, we will deposit your savings plus the dividends you earned into your Checking** account. You can start your holiday shopping with cash in hand. It’s the perfect way to prep for your gift-giving and holiday needs.

Open a Holiday Savings Account

Features of A Holiday Savings Account

• Earn 0.20% APY**** while you save
• The minimum balance for dividend earnings is only $5.00
• Open any time of the year
• Automatically transfers into your account on November 1st
• Monthly Account Service Fee | None
• Early Closure Penalty | None
• Deposit Limit | None

Open a Holiday Savings Account

A Smart Way to Save Money

Secondary Savings Account

Our Secondary Savings Accounts are a perfect way to save for planned expenses like vacations, your next car, your baby’s first birthday, graduation, medical bills, and more.
 
Secondary Savings Account Features
• Minimum amount to open | $0.01
• Minimum balance to maintain | $0.01
• Fees: none

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  • View Rates & Disclosures

  • Articles to Get You Started

    Calculators

  • 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.

    Momi’s Money | Children Savings 

    ***Please bring your child’s social security card when opening the account. Opening/minimum balance is $5.00. Certain conditions and restrictions may apply. Must be aged birth to 12 and have an authorized adult to participate. Accounts that have an average daily balance of $500 or more are eligible for a birthday gift. Coin sorting services are waived if deposited into the child’s account up to $200 per day. An adult (the account owner) will be responsible for all transactions, fees, and overdrafts that occur; and must be a PHFCU member.

    This club was created to teach children the value of saving money and rewarding them for goals met. On occasion, parents like to deposit large sums of money for their children. Unfortunately, this does not teach them the value of money or how to save. For larger amounts, we strongly suggest also opening a Jumbo Savings Account or a Coverdell Education Savings Account with/for your child.

    Holiday Savings

    ****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.

Upgrade You At Pearl Hawaii

From the finest service to the latest tech, we've got your back in every possible way. At Pearl Hawaii, we are committed to providing you the most innovative products and services. From home or car loans and helping you with other banking services. 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.
 
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Rates & Disclosures

Savings

Rates effective as of: April 26, 2025

*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.

Direct Deposit & Payroll Allotment

Take the Easy Route

Stop worrying about depositing your paycheck, making a loan payment, or leaving your mail unattended. When you set up Direct Deposit and Payroll Allotment with your employer or with your Social Security check, your money is deposited electronically into your account and directed where you need it to be. These services are safe and secure and make banking stress free.

Direct deposit is the easy, worry-free, and safe way to have your payroll or recurring checks deposited directly into your Pearl Hawaii account. Deposits are made electronically so you never have to worry about a lost check or leaving your house.

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Direct Deposit

Can’t make it to the credit union on payday? You don’t need to worry with direct deposit. Your entire paycheck will be automatically deposited into your account, saving you time and money!

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Payroll Allotment

If you’d like only a portion of your check deposited into your account each payday, consider payroll allotment. Payroll allotment is an easy way to add money to your savings account, pay on a loan, or contribute to your IRA. A part of your paycheck is deposited automatically into the account(s) of your choice.

How to Set up Direct Deposit

To receive payments electronically, you need to provide account information to the organization that is paying you. They may require that you use a particular form (such as a direct deposit form) or they may ask you to provide a voided check. Some human resources departments require you to enter the information online.

To receive payments, you will need to provide the details below to the organization that will be paying you.

  • Provide their requested information and your Pearl Hawaii…
    • Account type – checking or savings
    • Account number – If you need to verify that you have correct account information, please call us at 808.737.4328 (73-PHFCU) or visit any location
    • Routing number – 321380328
    • Financial Institution name- Pearl Hawaii Federal Credit Union
    • Financial Institution Address- Pearl Hawaii Federal Credit Union, 94-449 Ukee Street, Waipahu, Hawaii 96797
    • Name of account holders listed on the account
Direct Deposit & Payroll Allotment Tools

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Rates effective as of: April 26, 2025

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