Get Paid to Save
The more you save, the more you earn.
Certificates Your Way | Open From The Comfort Of Your Home
A Certificate is perfect way to get more out of your savings account. Choose how long you want to deposit your money, and how much you want to deposit. Then, simply sit back and watch it grow.
Open with just $1000 and choose your term… With our rates, you can boost savings for future goals—from down payments on big purchases to retirement nest eggs and more!
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Set It & Forget It | Opening is easy. Set up your account and watch your savings grow.
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Dependability | Its a low-risk way to earn more, with fixed-rate returns guaranteed for the entire term of the account.
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Guaranteed Returns | Always know what to expect by locking in a great rate.
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Security & Safety | Your money is working for you while being federally insured by NCUA.
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Get Started | Open your account from the comfort of your couch.
Is It Like a Certificate of Deposit or 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), Pearl Hawaii’s Certificates earn dividends on a lump sum for a fixed period of time. They are different than savings accounts because the money must remain untouched for the entirety of their term or risk penalty fees or lost dividends. Typically, certificates have higher dividend rates than savings accounts as an incentive for lost liquidity.
What’s the Difference Between a Certificate and A Certificate of Deposit (CD)?
Both types of accounts work the same way providing a fixed return when funds are invested for a specified amount of time. Credit unions, like Pearl Hawaii, call the account a Certificate while banks call the account a Certificate of Deposit (CD).
Certificate Rates
| Term | Minimum Balance | APY* | |
|---|---|---|---|
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36 Months |
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Open |
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24 Months |
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|
Open |
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12 Months |
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Open |
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8 Months |
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Open |
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6 Months |
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Open |
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1-5 Months |
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|
Open |
Rates effective as of: April 3, 2025
*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 12/16/24. Promotion and offer may end or change at any time. The minimum balance is $1,000; 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.
Savings You Can Count On
The Certificate Renewal form is for existing Pearl Hawaii members. If you are not a member, you can get started by opening an account online.
Your certificate will be maturing soon and may automatically renew for the same maturity term at the rate in effect at the time of maturity. This certificate will be subject to dividend compounding. The annual percentage yield is based on an assumption that dividends will remain on deposit until maturity. Dividends will be compounded and credited monthly. A withdrawal of dividends will reduce earnings.
Rates are subject to change at any time. If you choose to renew your certificate, the dividend rate and annual percentage yield (APY) that will apply have not yet been determined. Please call Pearl Hawaii at 808.737.4328 (73.PHFCU) to inquire about the APY applicable to your certificate.
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 effective as of: April 3, 2025
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