Pearl Hawaii Federal Credit Union

Headquarters

94-449 Ukee St
Waipahu, HI 96797
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.02% →
1-Year CD 0.80% 1.45% →
2-Year CD 1.00% 2.86% →
5-Year CD N.A. 3.21% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Pearl Hawaii is an NCUA insured institution located in Waipahu, HI. It was founded in 1937 and has approximately $465.46 millions in assets.

Who can join?

Any person who lives, works, is educated, or worships on the island of Oahu is eligible for membership.

An immediate family/household member of a person who lives, works, attends school, or worships on the island of Oahu is also eligible for membership.

NCUA Insured Yes / Federally Chartered
Charter Number # # 1961
Date Established 1937
Assets $465.46 million
Loans $235.42 million
Deposits $419.99 million
Capital $43.56 million
 

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school on O’ahu. Membership is also open to family and household members of those eligible.

Deposit Rates - May 23, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.80% $10,000 $14,999 Learn More
12 Mo CD
0.80% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.05% $10,000 $14,999 Learn More
36 Mo CD
1.05% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.20% $1 $499 Learn MoreShow Less

Loan Rates - May 23, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for PEARL HAWAII

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Filo Mortgage, LLC
NMLS ID: 1928741
4.440% 4.375% 0.75 $1,920 $1,249 Learn More
CHASE
NMLS ID: 399798
5.432% 5.375% 0.63 $1,578 $1,400 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

Note to PEARL HAWAII
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Pearl Hawaii branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Pearl Hawaii Locations



Climate Initiatives

PEARL HAWAII is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Pearl Hawaii Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pearl Hawaii. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Pearl Hawaii U.S. Average
5.09% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Pearl Hawaii had $2,221,618 in non-current loans and $56,806 in owned assets. To cover these potential losses it had $43,557,830 in net worth and $1,183,026 in loans loss reserves. That gives it a Texas Ratio of 5.09%.

Net Worth
Pearl Hawaii U.S. Average
9.35% 12.36%

Pearl Hawaii FCU has a net worth of 9.35% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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