Benefits & Services

Open Your Account

Access

Once you open an account at Pearl Hawaii, you will be able to take advantage of several benefits and services to assist you with your banking needs.

Your Online Branch Login Instructions

Shared Branching Pearl Hawaii members have access to many locations locally and thousands nationwide
Mobile Banking Download our app from your smartphone’s app store (search for Pearl)
ATM Access Members have surcharge-free access through First Hawaiian Bank ATMs.
PHFCUOnline
Digital Wallets (Apple, Google, Samsung)
Card Controls Cardholders can review their card transactions, set alerts, develop controls, make payments, report a card as lost or stolen, and add or remove the cards they wish to manage.
No Prepayment Penalties
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Refinance Your Current Auto Loan

PHFCUOnline

Transfer funds to your other accounts, at another financial institution, to another member, or you can use PearlPay to transfer to someone not with Pearl Hawaii.

Manage Money with LIFE (Loans, Investments, Finances, Earnings) Manager

Deposit Checks with SnapDeposit

Secured Messaging

Apply for a Loan

Debit Card Request

Loans

Upgrade you with a Pearl Hawaii loan...

Personal (Emergency, Tax, Debt Consolidation, plus more!)

New Auto

Used Auto (up to 12 model years old)

Refinance

Motorcycle

Overdraft Lines of Credit

PAL Certificate (Pre-Approved Loan)

Student Loan - Sallie Mae

Credit Create (First Time Credit Program)

Specials

Emergency Assistance In the event that you experience an emergency, PHFCU will offer members relief assistance and options, which may include: payment deferments, partial payment plans, flexible payment arrangements and term modifications, low rate consolidation loans, payday loan alternatives, and personal loans for amounts of $300 up to $50,000. Please call us so we can help you.

Apply

Home Loans

30 Year Mortgages (Conventional, First Time Home buyer available)

Home Equity Loans (up to 30 year terms)

Home Equity Lines of Credit (HELOC)

Closed-End Second Mortgage Loans

HELOC Fixed Advance

No Point Options

Loans Products

Guaranteed Auto Protection (GAP) Plus

Mechanical Repair Coverage (MRC)

Automatic Payments

Loan Protection

Accounts

Savings Accounts

Checking Accounts

Checking Rewards (Cash, Cash Back, or Gift Card)

Jumbo Savings Account

Holiday Savings

Certificates

Momi’s Money (Kids aged 12 and younger)

Teen Debit Account (Teens aged 13-17)

Individual Retirement Accounts

Open or Add an Account

Services

Wire Transfers | To send a wire transfer, come into any of our branches. Make sure to bring all your recipient’s banking info, as well as your ID. Wire processing times are from Monday through Friday (Domestic Wires: 8:00 am – 10:30 am HST, International Wires: 8:00 am – 9:30 HST). Our Member Service Representatives can accept wires any time during the day, but your request must be received before 10:30 am for domestic wires and 9:30 am for international wires if you would like to have the wire go out on the same day.

Safe Deposit Boxes | Available at Waipio.

ATM + Debit Cards

Overdraft Privilege

Financial Literacy

Instant Issue Cards | Available at Waipio, Waianae, Airport, Honolulu, Ewa

Direct Deposit & Payroll Allotment

Convenience

Coin Sorting | Waipio, Airport | As a member, you can use one of our Coinstar kiosks. MEMBER BENEFIT | Free up to $200 Per Day. 5% Thereafter. NON-MEMBERS | 9% Fee

Official Checks | As an added convenience to our members, PHFCU offers Official Checks for those times when you need funds that are absolutely guaranteed by us. This service is available at all locations.

Temporary Checks | In a bind and need checks immediately? We can print checks for your on the spot. Note: Service is only available at our Waipio location.

Card Controls | Monitor your card and receive alerts

Instant Issue Cards | Available at Waipio, Waianae, Airport, Honolulu, Ewa

Exclusive Offers

Getaway Vacations

Pearl Hawaii members can receive Get Away Today special offers on a variety of vacations across the world.

Get exclusive Disneyland offers such as adult admissions at kids’ prices for select dates, 5th day free Park Hopper tickets, extra night free hotel specials, and layaway plans from $175 down.

Get Away Today is the #1 discount provider to the Disneyland Resort and will save you the most on park tickets, discount hotel stays, transportation, dining, and more! Also, when you use our link for your next vacation, Get Away Today will make a donation to The Children’s Miracle Network.

Discounted Movie Tickets

Pearl Hawaii members can save by purchasing discounted movie tickets at any location. The next time that you are at the branch, just ask any Member Service Specialist that you would like to purchase Consolidated or Regal theatre tickets.

Love My Credit Union Rewards

Pearl Hawaii members can receive exclusive discounts from a variety of partners, including Turbo Tax, Carvana, Sams Club, Calm, plus several travel deals.

Investments

Pearl Hawaii Wealth Advisors

Insurance

Life

Long-Term Care

Disability Income

Accidental Death and Dismemberment

Term Life

Whole Life

Lifetime Income Plan

Auto

Home

Get Started

Open an Account | Apply for A Loan | Pearl Hawaii Wealth Advisors

Disclosures and Forms

Secured Loans

Secured Personal Loans

Savings | Certificate | Auto

Pearl Hawaii’s Secured Personal Loans* are loans that are secured by the amount available on deposit or your vehicle. Essentially, build good credit while getting a low rate that won’t break the bank. It works much like a personal loan and is available to help people with a variety of expenses.

For certificate or savings secured, the funds are held as collateral in your account for a specific period of time-based on the terms of the loan. The money collects interest while in the account, which will offset the interest charged on the loan.

Apply

Benefits of A Secured Personal Loan

Savings Secured

Borrow against your Pearl Hawaii savings account to receive a low-rate loan while still earning interest on your financial resources on deposit
A portion of funds is released with each payment made
Credit check not required
Verification of income not required
Loans are secured by available funds in your savings account
A good alternative to paying higher-cost credit card debt
An easy application process with no credit review
Continue to accrue dividends during the loan period
Affordable credit life and disability insurance** available

Certificate Secured

Borrow against your Pearl Hawaii certificate and receive a low-rate loan while still earning interest on your financial resources on deposit
Funds held as security may be used to pay off the remaining balance of the loan at the time of the certificate maturity unless the loan is refinanced or paid in full
Credit check not required
Verification of income not required
Loans are secured by available funds in your certificate
A good alternative to paying higher-cost credit card debt
An easy application process with no credit review
Continue to accrue dividends during the loan period
Affordable credit life and disability insurance** available

Auto Secured

Borrow against your vehicle and receive a low-rate loan while still earning interest on your financial resources on deposit
The Certificate of Title will be released to the borrower when the loan is paid in full.
A good alternative to paying higher-cost credit card debt
An easy application process
Affordable credit life and disability insurance** available

Overall, Secured Personal Loans can help you build your credit history or repair bad credit faster. While this can be an advantage, you also need to carefully consider whether you can repay the loan and whether you can lose the asset you’re using as collateral. Generally, the ultimate goal should be to rely as little as possible on debt.

Secured Personal Loans

Account Type

Rate

Term

Minimum Loan Amount

Maximum Loan Amount

Percentage that We Match

Savings Secured

2.50% Above Dividend Rate

1 to 5 year terms

none

$100,000

100%

Apply

Certificate Secured

2.50% Above Current APY* (i.e., Current market rate + 2.00% APY = your rate)

2 Options

1) Amortized up to 10 years with the loan due when the certificate matures

2) Choose to have 1 payment (maximum 1 year) due at certificate maturity. Loan can be renewed when certificate is renewed.

none

no limit

90%

Apply

Auto Secured

Rates

up to 7 Years

$200

$30,000

Apply

*APR = Annual Percentage Rate. APY = Annual Percentage Yield. Conditions may apply.

**The products are optional. Insurance products are not a deposit or obligation of or guaranteed by Pearl Hawaii FCU or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of these insurance products.

Loan Protection

Protect your family against the unexpected

Be Prepared for The Unexpected

Value of Loan Protection

Loan protection could cancel your loan balance or payments up to the contract maximums. Life can be wonderful, but it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances.

Easy - Simple to apply for.
Budget-Friendly - Comfortably fits into your monthly payment.
Voluntary - Adding it to your loan is voluntary and won't affect your loan approval.
Puts You at Ease - Rest easy, knowing you could be taken care of in so many problem situations.

Life Plus

Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Protect your loan balance or loan payments today so your family can worry a little bit less about tomorrow. Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply. Ask your loan officer about eligibility, conditions, or exclusions.

Loss of Life Protection

Loan Protection can cancel your eligible loan balance or your monthly loan payments, up to the agreement maximum, should you die from a protected illness or injury before paying off your loan.

Disability

If you become disabled due to a protected illness or injury, Loan Protection cancels your monthly loan payments, up to the agreement maximum.

Involuntary Unemployment

If you become involuntarily unemployed, Loan Protection cancels your monthly loan payments, up to the agreement maximum.

Loan Protection

In the event of

What happens

It cancels this up to the contract maximums

You may be eligible if you

Death

Protected borrower passes away

Your payments or loan balance

Have an eligible loan

Disability

A covered disability occurs due to injury or illness

Your loan payments

Are a permanent employee who is actively working*

Involuntary Unemployment

A covered job loss occurs

Your loan payments

Are a permanent employee who is actively working* Are honorably discharged.

*Refer to the member agreement for a full explanation of terms and conditions.

Protection for Consumer Loans

When Debt Protection may cancel your loan balance or payments

What Happens

It Cancels

Eligibility

Involuntary Unemployment

A covered job loss occurs

Your loan payments

Are a permanent employee who is actively working*

Disability

A covered disability occurs due to injury or illness

Your loan payments

Are a permanent employee who is actively working*

Loss of Life

Protected borrower passes away

Your loan balance or payments

Have an eligible loan

CUNA Mutual Group, Proprietary Data. 2Contract Terms and Maximums apply. The maximum benefit will reduce to 25% of the protected loan balance once a member reaches a certain age. 3One occurrence per rolling 12 months for all events. Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. *Refer to the Member Agreement for complete terms. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

DP-3414687.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.

LifePlus, Disability & Unemployment

Life Plus

Balance Cancellation*
Payment Cancellation**
Accident & Sickness
Graded Benefits at Age of Death*

Disability

Payment Cancellation
Accident & Sickness
30-day Elimination Period

Involuntary Unemployment

Payment Cancellation
30-day Elimination Period

*Your purchase of loan protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. ** Applies to Death, Terminal Illness and Accidental Dismemberment. *** Applies to Hospitalization, Family Medical Leave and Loss of Life of a Non-Protected Dependent

Need to Submit a Claim? We Are Here to Help.

If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim. Payment Protection Products Include: Life (Terminal Illness, Accidental Dismemberment, Hospitalization, Family Medical Leave, Loss of Life of a Dependent), Disability, and Involuntary Unemployment. Call 1 (844) 707-4964 or file a claim.

File a Claim

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.

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!

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

Federal Government Agency

Standard Form 1199A

Federal Government Benefits (Social Security, Supplementary Security, Department of Veteran Affairs, or other federal benefit checks)

Visit GoDirect

Military Pay (Active Duty, retired/veteran or reserve military, DoD, and DFAS civilian employees)

Visit MyPay

Social Security Administration

ssa.gov

Pearl Hawaii's Direct Deposit and Automatic Payment Form

Direct Deposit and Automatic Payment Form

Certificates

Certificate Rates

Term

Minimum Balance

APY*

36 Months

24 Months

12 Months

8 Months

6 Months

1-5 Months

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.

IRA Certificates

Type

Minimum Balance

APY*

3 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)

2 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)

1 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)

8 Month - IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)

Rates effective as of: April 3, 2025

*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.

Transfer To A Certificate

Example table

Column Title

Cell Value

Rates effective as of: April 3, 2025

{Optional: Insert table disclosure information}