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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Pearl Hawaii Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 23, 2026
You can compare Pearl Hawaii Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.40%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 0.80%. Savings rates are at 0.20% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to Pearl Hawaii Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Pearl Hawaii Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.29%. Rates were last updated on 04/23/2026. Pearl Hawaii Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pearl Hawaii Federal Credit Union? Share your experience about Pearl Hawaii Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Pearl Hawaii Federal Credit Union. Pearl Hawaii Federal Credit Union
Main Office Waipio Branch 94 449 Ukee St
https://www.pearlhawaii.com Waipahu, HI 96797 
Current Rate AvailabilityWe do not have Pearl Hawaii Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Pearl Hawaii Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Pearl Hawaii Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Pearl Hawaii Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Pearl Hawaii Federal Credit Union
Website
https://www.pearlhawaii.com
Address
94 449 Ukee St,
Waipahu, HI 96797
Phone
808-737-4328
Fax
808-218-6299
President
RYAN TSUJI
CEO
DANIEL TERADA
Full-Time Employees
67
Part-Time Employees
7
Branch Locations
6
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.29%
Return on Assets (ROA)
0.8406%
Return on Equity (ROE)
8.3478%
Non-Performing Loans Ratio (NPL)
0.48%
Total Assets
502,957,434
Total Amount of Shares and Deposits
449,916,833
Total Shares and Deposits < 1 Year
445,825,513
Total Shares and Deposits 1 3 Years
4,091,320
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,205,966
Total Uninsured Shares and Deposits > $250K (F+J)
15,205,966
Total Insured Shares and Deposits > $250K (item 17 less item K)
434,710,867
Total Interest Expense (Sum of items 6 8)
3,818,548
Share Certificates
4,146
Number of Accounts for Share Drafts
16,728
IRA KEOGH Accounts
1,285
Number of Accounts for Regular Shares
35,351
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
81,518,482
Total Liabilities
453,753,565
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Pearl Hawaii Federal Credit UnionIs Pearl Hawaii Federal Credit Union a safe place to deposit money?Yes, Pearl Hawaii Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.2853034482704%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Pearl Hawaii Federal Credit Union operate?Pearl Hawaii Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Pearl Hawaii Federal Credit Union?Yes, to access services at Pearl Hawaii Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Pearl Hawaii Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Pearl Hawaii Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Pearl Hawaii Federal Credit Union offer online and mobile banking?Most modern institutions like Pearl Hawaii Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pearlhawaii.com. Compare to Other Credit Unions
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