Credit union · NCUA insured
Pearl Hawaii
A $544M credit union headquartered in Waipahu, HI, with 31,533 members and 6 branches in Hawaii. Best rates: CDs 4.05% and savings 0.20% APY.
Pearl Hawaii Carrot Score
83
Carrot Score
Higher than 64% of U.S. banks and credit unions
#9 of 29 in Urban Honolulu, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Pearl Hawaii
Founded in 1937 as Pearl Harbor Federal Credit Union through the consolidation of six shipyard credit unions, Pearl Hawaii Federal Credit Union adopted its current name in 2014.
The member-owned financial cooperative operates six branches across Oahu, serving individuals who live, work, worship, or attend school on the island and their families.
Originally organized to serve Pearl Harbor civilian employees, the credit union obtained a community charter in 2005 to serve the entire island of Oahu.
- Headquarters
- 94-449 Ukee St, Waipahu, HI 96797
- NCUA charter
- 1961
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school on O’ahu are eligible for membership.
Family and household
- Family members (spouse, child, parent, grandparent, grandchild, sibling, or related through a step, adoptive, or foster relationship) of someone who lives, works, worships, or attends school on O’ahu are eligible for membership.
- Household members of someone who lives, works, worships or attends school on O’ahu are eligible for membership.
Cost to join
- Opening an account requires $5.00.
Branches
6 branches in Hawaii
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Hawaii
6 branches
- Main Office - Waipio BranchMain office94-449 Ukee St, Waipahu, HI 96797Directions
- Ewa Branch91-1401 Fort Weaver Rd Ste A102, Ewa Beach, HI 96706Directions
- Airport Branch550 Paiea St Ste 128, Honolulu, HI 96819Directions
- Honolulu Branch1288 Ala Moana Blvd Ste 106, Honolulu, HI 96814Directions
- Shipyard Branch585 Port Royal St, Honolulu, HI 96818Directions
- Waianae Branch85-866 Farrington Hwy, Waianae, HI 96792Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.19% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.42% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.36% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $52 | $76 | — |
- CapitalNet worth ratio10.19%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.42%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.36%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$52Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Pearl Hawaii are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.