Pearl Hawaii Federal Credit Union
94-449 Ukee St
Waipahu, HI 96797
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2023 Overview
General Credit Union Information
Pearl Hawaii is an NCUA insured institution located in Waipahu, HI. It was founded in 1937 and has approximately $459.34 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 | $459.34 million |
| Loans | $238.91 million |
| Deposits | $425.02 million |
| Capital | $41.50 million |
Field of Membership Restrictions
Deposit Rates - April 1, 2023
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.20% | $1 | $499 | Learn More |
Loan Rates - April 1, 2023
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 2023
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1168 |
Learn More | |||||
NMLS ID: Not lender |
Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2023
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Bethpage Federal Credit Union See Table |
Intro APR 7.490 % After Intro: 8.500 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
Third Federal Savings and Loan See Table |
6.990 %
|
$0 |
Learn More
More Info |
Note to Pearl Hawaii
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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
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 |
|---|---|
| 3.58% | 4.63 |
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 September 30, 2022, Pearl Hawaii had $1,410,128 in non-current loans and $120,732 in owned assets. To cover these potential losses it had $41,497,507 in net worth and $1,304,029 in loans loss reserves. That gives it a Texas Ratio of 3.58%.
Net Worth
| Pearl Hawaii | U.S. Average |
|---|---|
| 9.03% | 12.52% |
Pearl Hawaii FCU has a net worth of 9.03% versus the BestCashCow average of 12.52. 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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