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% 5.02% →
1-Year CD 0.80% 5.25% →
2-Year CD 1.00% 5.10% →
5-Year CD N.A. 4.50% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

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

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 - 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 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 - 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
AmeriSave Mortgage Corporation
NMLS ID: 1168
Learn More
Eligibility.org
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
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
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


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
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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