Upgrade
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A | For a complete list of our fees, please visit our Schedule of Fees.
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A | Please contact us at 808-737-4328 to schedule a notary appointment.
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A | To change your name on an account, you will need to provide us with government-issued documentation showing your new name. Acceptable Government issued IDs include a valid Driver’s License, State ID, or Passport. We will generate a new membership application and all parties on the account must sign this form.
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A | Call us at 808.737.4328 (73-PHFCU) or chat during business hours.
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A | Opening an account is easy-peasy! All you need is a little bit of information, an ID, $5.00*, and a dream (and happen to meet one of the criteria below).
CRITERIA
- 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, if your son attends school on Oahu but you live on another island or in another state- you still can join!).
INFORMATION NEEDED
- ID (Government issued, Driver’s License, State ID, Passport)
- your mailing and physical address
- social security number
- date of birth
Open an account at any location or online.
*Membership is a $5 minimum deposit into a Savings Account (waived with e-statements).
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A | Opening an account is easy-peasy! All you need is a little bit of information, an ID, $5.00*, and a dream (and happen to meet one of the criteria below).
CRITERIA
- 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, if your son attends school on Oahu but you live on another island or in another state- you still can join!).
INFORMATION NEEDED
- ID (Government issued, Driver’s License, State ID, Passport)
- your mailing and physical address
- social security number
- date of birth
Open an account at any location or online.
*Membership is a $5 minimum deposit into a Savings Account (waived with e-statements).
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A | Opening an account is easy-peasy! All you need is a little bit of information, an ID, $5.00*, and a dream (and happen to meet one of the criteria below).
CRITERIA
- 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, if your son attends school on Oahu but you live on another island or in another state- you still can join!).
INFORMATION NEEDED
- ID (Government issued, Driver’s License, State ID, Passport)
- your mailing and physical address
- social security number
- date of birth
Open an account at any location or online.
*Membership is a $5 minimum deposit into a Savings Account (waived with e-statements).
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A | Pearl Hawaii offers great rates! For a list of all our rates, please visit our rates site.
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A | Yes, we do. With shared branching, you have access to thousands of credit unions across the world. Pearl Hawaii participates in the COOP network (National and International Shared Branching) and HiCUSO (Hawaii Network Shared Branching for Credit Unions). Please visit our Shared Branching locator for a list of participating shared branching locations.
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A | Pearl Hawaii participates in the COOP network (National and International Shared Branching) and HiCUSO (Hawaii Network Shared Branching for Credit Unions).
Please visit our Shared Branching locator for a list of participating shared branching locations.
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A | Visit us in Waipio, Waianae, Ewa, Honolulu, Pearl Harbor, or the Airport. You can also open an account online.
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A | Visit us in Waipio, Waianae, Ewa, Honolulu, Pearl Harbor, or the Airport. You can also add another account online.
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A | Visit us in Waipio, Waianae, Ewa, Honolulu, Pearl Harbor, or the Airport. You can also open an account online.
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A | To obtain your membership or account number, please visit one of our branches, provide us a written request by mail, email us, or sign in to PHFCUOnline and send us a secured message.
ADDRESS | Pearl Hawaii Federal Credit Union, 94-449 Ukee St, Waipahu, HI 96797
EMAIL | MyFamily@phfcu.com
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A | You can update your address, phone number, or email address through online secured messages (by signing into PHFCUOnline, by mailing or emailing a signed letter, or by visiting one of our branches. For more information, visit our Change of Address page.
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A | Our routing number is 321380328.
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A | Not at all… when you join Pearl Hawaii Federal Credit Union, your membership is good for life, no matter where you live or work, as long as you maintain your accounts in good standing. With Internet Banking, Online Bill Pay, Visa Check Card, Direct Deposit, Member Telephone Service and Shared Branching, it is easy to access your account even if you move far away!
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A | In some ways, yes. A Credit Union offers a wide variety of financial services comparable to a commercial bank. Also, both are federally insured and regulated. However, unlike other financial institutions, a Credit Union is owned and operated by its members who save and borrow there. There are no outside stockholders. Our board of directors is made up of unpaid volunteers who are elected from and by our membership. As a not-for-profit financial cooperative, earnings are returned to members in the form of dividends, lower loan rates, higher interest rates on deposits, fewer fees, and free services.
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A | Yes… your money is safe! Credit Unions are strictly regulated financial institutions. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency.
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A | A Credit Union is a member-owned financial cooperative. As a not-for-profit cooperative institution, a Credit Union uses excess earnings to offer members affordable loans, a higher return on savings, lower fees, or new products and services. A Credit Union is operated entirely by and for its members. Once you deposit money, you become a member since your deposit represents your ownership share.
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A | Yes, children (natural, adopted, step) are eligible for membership.
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A | Yes! Membership is open to all family members, including your spouse, children, parents, siblings, grandchildren, and grandparents. Your family members can join us even if they live out of our geographic area.
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A | To join the credit union, you must complete a membership application and make a deposit of at least $5 (which must remain in your account as long as you are a member). This deposit represents your “share” of ownership in the credit union and provides access to all of our products and services. You can open your account online to get started.
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A | Pearl Hawaii Federal Credit Union membership is available to individuals who live, work, attend school, and worship on the island of O’ahu. Immediate family members (e.g., grandparents, parents, siblings, spouse, children, grandchildren), household members, and spouses of individuals who died while within the field of membership also qualify. Additionally, any step or adoptive relationships also qualify.
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A | Currently, you can contribute $6,500 if you are under 50, or $7,500 if you are 50 years or older. Coverdell is $2000 per year.
Loans
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A | The payment address is P.O. Box 60510, City of Industry, CA 91716-0510.
You can also pay through PHFCUOnline or visit any location.
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A | For a complete list of our fees, please visit our Schedule of Fees.
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A| We apologize for the inconvenience. Please call 808.737.4328 (73-PHFCU) or 1-866-605-6177 for assistance.
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A| We apologize for the inconvenience. Please call 808.737.4328 (73-PHFCU) or 1-866-605-6177 for assistance.
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A | To report your debit or credit card lost or stolen, please call 808.737.4328 (73-PHFCU), option 2.
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A | To turn your card On or Off, please download our mobile app. Our free app lets you manage your card from anywhere. In addition to turning your card on and off, you can set spending limits and even make custom alerts based on things like geographic location.
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A | To get pending debit card information, log in with PHFCUOnline on a desktop or our mobile app and review your checking transaction history. Your pending transactions will be listed as the most current transactions in your transaction history and will be identified as Pending. For both Debit and Credit Cards, you can view up-to-date transactions with card controls.
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A | To change the PIN, please call us at 808.737.4328, Option 2.
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A | To activate your card or select your PIN, please call 808.737.4328 (73-PHFCU) and select Option 2.
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A | Please immediately call 808-73-PHFCU (808-737-4328) and select Option 2. We will assist you with this immediately.
Bank
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A | You can deposit checks almost anywhere, anytime with SnapDeposit located in Pearl Hawaii’s app. Just sign in, snap pics of your check, and deposit.
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A | Checks deposited before 2 p.m. are processed that day. Checks deposited after 2 p.m. or on non-business days are processed the next business day.
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A | Not a cent. SnapDeposit and Pearl Hawaii’s app are free.
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A | Yes, please. Checks you deposit need to be properly endorsed by the individual the check is written to (or by all individuals if the check is written to more than one person). Please also include “For PHFCU mobile deposit only” in this area.
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A | We are sad to hear that you’re canceling your SnapDeposit and PHFCU’s Mobile service. Please submit a written cancellation request to Pearl Hawaii Federal Credit Union, 94-449 Ukee Street, Waipahu, Hawaii 96797. Be sure to tell us which service you are canceling (SnapDeposit, PHFCU Mobile, or both).
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A | Simply download Pearl Hawaii’s app, enter your account information, and you are signed up.
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A | Hold on to your check for a month after you’ve made your deposit. On the off chance that something goes awry, we’ll notify you and ask you to send your original check to us within five business days. Checks not received within five business days of notification will be charged back to your account along with any applicable fees. After a month, you’re responsible for the proper disposal of your check within a reasonable amount of time.
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A | Mistakes happen… Simply log into PHFCUOnline and transfer the money to the correct account once the funds are made available. You can also call us at 808-737-4328 (73-PHFCU) and we will assist you with the transfer.
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A | Be sure your check is lying on a flat surface in a well-lit area before you scan the image. If you’re still getting an error message, such as “Image Failed,” you will need to mail in your check or bring it to any Pearl Hawaii Federal Credit Union location to be deposited.
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A | You will be able to use the service within one business day.
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A | When you successfully submit your check via SnapDeposit, you’ll see a deposit receipt on the screen. You can keep this for your records. We’ll also send you an email to let you know once your deposit is received and accepted.
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A | A returned check is charged back to the account it was deposited to along with any applicable fees.
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A | We’ll send you an email to let you know your check was rejected and needs to be properly endorsed.
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A | If we receive your deposit before 2 p.m. on a business day, we’ll credit your account at the end of the day. Deposits received after 2 p.m. (or on weekends and federal holidays) are credited to your account by the end of the next business day.
Availability of funds is pursuant to Regulation CC and Pearl Hawaii Federal Credit Union’s applicable policies.
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A | We’re happy to help. Call us at 808-73-PHFCU (737-4328).
Invest
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A | Pearl Hawaii offers great rates! For a list of all our rates, please visit our rates site.
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A | Visit us in Waipio, Waianae, Ewa, Honolulu, Pearl Harbor, or the Airport. You can also open an account online with our Certificate Transfer Form. If you are a new member, please open an account with our online application.
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A | Typically, your interest will be paid when your term is up (once your certificate has “matured”). You can also request that your interest be paid monthly. We’ll send your earned interest to the account you specify… Yep… you can choose!
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A | Yes. The penalty we may impose will be the greater of seven days of dividends on the amount withdrawn or all dividends that have been earned not to exceed 90 days.
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A | Yes. You may borrow up to 90% of the pledged Certificate.
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A | You can pick how long you want to set your money aside. Any date between 30 days and 3 years is an option. Once your term is up, you’ll also have an option to renew your certificate.
Services
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A | Here’s the info you should provide the sender:
Wire to: Catalyst Corporate Federal Credit Union, 6801 Parkwood Blvd., Plano, Texas 75024
Routing Number: 311990511
Further Credit To: Pearl Hawaii Federal Credit Union
Account Number: 321380328
Final Credit to: Your Full Name
Account Number: Your Account Number -
A | You will need the following information…
Member’s Full Name, Including Full Middle
Account Number
Member’s Home Address (No P.O. Box Addresses)
Member’s Telephone Number
Amount to Wire
Name of the Financial Institution
Routing Number (Verify With Other Financial Institution)
Address of Other Financial Institution
Beneficiary Information (Full Name Including Middle, Account Number, and Home Address)
Proof of Identification and Signature
International Transfers: SWIFT code (Bank Identification Code for Receiving Institution)
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A| Domestic Wire Transfers – If you submit your transfer by 10:30 AM HST, it will arrive on the same day you sent it. Transfers submitted after this time will arrive the following business day.
International Wire Transfers – You will need to submit your forms by 9:30 AM HST for same-day delivery. Wire transfer requests received on Saturdays will be sent out the next business day. Wire transfer requests can be accepted anytime, during branch hours. If it’s received after the deadlines stated above, it will be sent out the following business day.
Access
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A | Bill pay has many benefits…
Convenient – Bill pay services can organize and pay all of your bills in one place, making things easier on you. Instead of having to go through different sites and apps to pay and monitor your bills, you can simply log onto your bill pay provider and do it all from one site if you so choose.
Keeps you Organized – When you pay your bills online, a record is automatically generated. This can be helpful should you forget if you paid a certain bill or need proof that a payment was sent to a specific company.
Avoid Fees – One easy way to avoid late payment fees is to set up automatic bill payments via your bill pay service. When bill payments are automated, you can never simply forget to pay a bill.
Cheaper & Safer Than Mail – With Bill Pay, you don’t have to pay for stamps, checks, or envelopes. We will cover these costs for you. Also, it is guaranteed, reflecting that your bill was paid while showing a record that the payment was sent.
Environmentally Friendly – When using automatic bill pay, you can completely avoid writing physical checks and going the old-school envelopes and stamps route.
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A | Once logged in, click on “Bill Pay” and scroll down to the vendor that you would like to send an automatic payment (you will have to add the company or person if you have not done so already). Under the company or person, click on “Set up AutoPay.”
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A | Bill pay is a service that allows members to pay their bills via an app or a website. Instead of writing a check and sending it in the mail, you can simply use your computer or device and make the payment online. These services can be convenient for people who want to make bill paying as efficient as possible, with features such as automated payments, reminders about payment due dates, and more.
Bill pay is a convenient service. This service allows you to organize all of your recurring bills in one place and pay them automatically. You can also use bill pay to make manual or one-time bill payments as necessary.
With Bill Pay you can pay any company or person… Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. We send the money electronically whenever we can. If the person or company can’t accept electronic payments, we print a check and mail it for you. Additionally, download your payment info and import the file into a number of different personal financial software applications, if needed.
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A | The process for online bill pay is a simple way to pay your bills or to anyone you owe money. Paid all of your bills from one site automatically or send a check whenever you need. Also, you can have email or text alerts to let you know when a bill is due or when a check has been sent.
Provide some info about the company or person you want to pay and then tell us how much and when you want the payment made. We send your payment electronically when possible or if can’t accept electronic payments, we will print a check and mail the payment.
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Anyone in the United States. You can pay companies, friends, family members, and service providers, such as the babysitter or the plumber.
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A | Yes. Bill Pay uses several methods to ensure that your info is secure.
SSL – Bill Pay uses SSL (secure sockets layer) which ensures that your connection and info are secure from outside inspection.
Encryption – Bill Pay uses 128-bit encryption to make your info unreadable as it passes over the Internet.
Automatic Sign Out – Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). This feature helps prevent another person from being able to resume your session if you walk away. For best security, don’t use your browser’s Back or Refresh buttons, and sign out immediately after you finish your tasks in Bill Pay.
Multi-Layer Authentication (MFA) – MFA is used to authenticate if the identity of a user is genuine. It requires a user to present two or more pieces of evidence, or factors, for authentication. A key goal for MFA is to add additional authentication factors to increase security. For more about MFA, visit MULTI-FACTOR AUTHENTICATION & SECURING YOU.
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A | Yes. Your personal info is used to help us maintain your account and verify your identity. We verify this info with a consumer credit reporting agency for your security and protection. The verification process does not affect your credit report, credit rating, or creditworthiness. Please review the Terms of Service for a complete description of when Bill Pay must disclose info to third parties.
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A | The following features aim to make Bill Pay more accessible to assistive technology users:
Navigation – Skip to content links on each page let you skip the page banner and navigation links and go directly to the main content. Headings organize each page’s content, and a screen reader’s H key moves the focus from heading to heading. The ARIA landmark regions named banner, navigation, main, and content info let you move to defined page regions. Use the appropriate key for your screen reader. Links have detailed descriptions that can be read with a screen reader’s links list.
Regions and Tabs – Some pages have regions that expand or collapse details or forms and include the words Show or Hide in their link headings. Other areas have info presented as tabs, where the left or right arrow key changes the tab, and then you can read the tab content.
Tables and Forms – A brief description of a table’s content is read by a screen reader as you navigate a page. Table headers locate your place in the table, and links in the table headers let you sort the table content. Using the table cell keys, the column or row heading info is read as well as the table’s data. Sort links open menus to control the display order of the table’s data. The Tab key changes sort selections, and the Enter key activates your selection. Fonts can be resized with magnifier software or the browser zoom feature without significantly changing the page layout.
We make every effort to accommodate all users and do not wish to exclude anyone from accessing Bill Pay. Please contact us if you have any issues using PHFCUOnline.
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A | You can find the routing number on a check or deposit slip for your account. Look for the first nine digits in the lower left corner of your check or deposit slip. Some financial institutions publish their routing numbers on their website. If you cannot find the routing number, call your financial institution and ask for the number. The routing number you provide must be valid.
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A | Yes, you can change a payment that has not started processing or is pending. You cannot change payments that have already been paid. If you accidentally sent a payment and depending on the situation, we will contact the company on your behalf in an attempt to resolve the problem.
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A | If the payment is sent electronically, the money is withdrawn from your account one business day after processing begins. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. For some checks, the money is withdrawn one business day after processing begins. For others, the money is withdrawn when the company or person deposits or cashes the check.
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A | You can see the status of your payments in the “Recent Payments” section of Bill Pay. Payments will show in “Pending Payments” until processing begins.
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A | If the company or person you’re paying can receive electronic payments, the money is delivered in one to three business days. If the company or person you’re paying cannot receive payments electronically, we mail them a paper check. This process typically takes three to five business days.
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A | If the company or person you want to pay does not receive electronic payments, we print a check and mail it to you. The process to mail a check is longer than than when the payment is sent electronically.
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A | When your payments are processed through Bill Pay, you are protected in the unlikely event of unauthorized transactions or delays.
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A | Some small companies, such as landscaping or cleaning services, may not assign you an account number. If you don’t have an account number, you can enter other info that identifies you with the company you are paying. For example, you can use your service address or the name on the account.
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A | If the company or person doesn’t accept electronic payments, we print and mail a check on your behalf.
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A | Payment information is available for 84 months.
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A | You can download your pending and completed payments as a comma-separated values (CSV) file. You can import the file into a number of different personal financial software applications. To do this, visit the “Activity page,” select the preferences you want, and click on “Download Payment List.”
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A | If an automatic payment is scheduled for delivery on a non-business day such as a weekend or holiday, the date is adjusted to a business day. The Pending Payments section in Payment Center shows the adjusted delivery date. You can change the date as needed.
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A | First, cancel the scheduled payment in Pending Payments if you don’t want it to be paid. To change or stop all future automatic payments, select the company or person on the Payment Center, click AutoPay, and change or stop the AutoPay options.
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A | There is no fee for paying with Bill Pay.
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A | Yes, our bill payment service is free. In order to use this service, you must have a checking account.
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A | Yes, PHFCUOnline Banking offers FREE Bill Payment where payments can be set up as one-time or re-occurring payments.
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Rates effective as of: April 3, 2025
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Open Account
Leaving Our Website
By accessing this link, you will be leaving the Credit Union’s web site and entering a web site hosted by another party.
Although the Credit Union has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Credit Union’s web site. The other party is solely responsible for the content of its web site.
We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the Credit Union.
You will be leaving the credit union’s site.