Credit union · NCUA insured
Pearl Hawaii CD Rates
Pearl Hawaii’s best CD rate is 4.05% APY on an 8-month share certificate (CD). Terms run from 1 month to 3 years. Rates checked October 22, 2026.
How Pearl Hawaii’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Pearl Hawaii has the most branches. $10,000, best rate first.
This credit union’s best
Pearl Hawaii
4.05%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $268
Certificates
Top rate
Hawaiian Financial Federal Credit Union
4.55%APY
- Term
- 13 months
- Minimum
- $2,000
- Earns on $10,000
- $494
2nd-highest rate
UHFCU
4.50%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $185
Pearl Hawaii CD score
78
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo1.25%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Pearl Hawaii ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.05%APY · 6 terms
Dividends are paid monthly and calculated daily. Fixed-rate returns guaranteed for the entire term of the account. Deposits and withdrawals are subject to a seven-calendar-day grace period after maturity, otherwise automatically renews. Penalties apply for early withdrawals. Fees could reduce earnings on the account. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–5 months | 1.25% | $10 |
| 6 months | 1.25% | $62 |
| 8 monthsCertificate Special | 4.05% | $268 |
| 12 months | 1.25% | $125 |
| 24 months | 2.00% | $404 |
| 36 months | 3.00% | $927 |
Special-purpose accounts
IRA Certificate
Up to 3.00%APY · 3 terms
Available as Traditional, Roth, or Coverdell Education Savings Account (ESA). Dividends are paid monthly and calculated daily. Dividends earned are tax-deferred. Seven calendar days grace period following maturity to withdraw funds or change certificate term, otherwise automatically renews for the same term at current rate. Early withdrawal penalty applies; IRS penalties may apply for withdrawals before age 59.5. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.25% | $125 |
| 24 months | 2.00% | $404 |
| 36 months | 3.00% | $927 |
Sources (2)
- pearlhawaii.com/accounts/individual-retirement-plans-ira
- pearlhawaii.com/wp-content/upl…ule-of-Fees_04052022.pdf
All captured Oct 3, 2026
Who can join Pearl Hawaii
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.
Membership information collected October 4, 2026.