Credit union · NCUA insured
Pearl Hawaii Savings Rates
Pearl Hawaii’s best savings rate is 0.20% APY on $10,000, with its Jumbo Savings. Rates checked October 22, 2026.
How Pearl Hawaii’s savings 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
0.20%APY
- Minimum
- $5
- Earns on $10,000 a year
- $20
Jumbo Savings
Top rate
Sunflower Bank
3.02%APY
- Minimum
- —
- Earns on $10,000 a year
- $302
2nd-highest rate
PenFed Credit Union
2.70%APY
- Minimum
- $5
- Earns on $10,000 a year
- $270
Pearl Hawaii savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Savings
0.20%APY
Tiered rate account; once a particular balance range is met, the rate applies to the full balance. Membership required ($5.00 share). Zero monthly service fees. Account transfer and withdrawal limitations apply (max 6 transfers/withdrawals per month). Max balance $250,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Rate applies to the full balance. Dividends compounded and credited monthly based on daily balance. | 0.10% | — | Rate applies to the full balance. Dividends compounded and credited monthly based on daily balance. |
| $2,500 and upRate applies to the full balance. Dividends compounded and credited monthly based on daily balance. | 0.20% | $20 | Rate applies to the full balance. Dividends compounded and credited monthly based on daily balance. |
Sources (2)
All captured Oct 22, 2026
Pearl Savings
0.10%APY
Membership required; must purchase and maintain 1 share ($5.00 par value). Dormant fee of $5/month if dormant for 2 or more years. Account transfer and withdrawal limitations apply (max 6 transfers/withdrawals per month).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited quarterly based on daily balance. Account transfer and withdrawal limitations apply.$5 and up | 0.10% | $10 | Dividends compounded and credited quarterly based on daily balance. Account transfer and withdrawal limitations apply. |
Sources (3)
- pearlhawaii.com/accounts/savings
- pearlhawaii.com/wp-content/upl…ule-of-Fees_04052022.pdf
- pearlhawaii.com/wp-content/upl…/09/TRUTH-IN-SAVINGS.pdf
All captured Oct 22, 2026
Secondary Savings
0.10%APY
Special savings account to save for planned expenses. No monthly fees. Account transfer and withdrawal limitations apply (max 6 transfers/withdrawals per month). Membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited quarterly based on daily balance. Account transfer and withdrawal limitations apply.$5 and up | 0.10% | $10 | Dividends compounded and credited quarterly based on daily balance. Account transfer and withdrawal limitations apply. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Holiday Savings
0.20%APY
Deposits can be made between November 1st and October 31st each year. On November 1st, funds and earned dividends transfer automatically to member's checking or savings account. $5.00 fee per withdrawal outside permitted periods. No monthly account service fee. No early closure penalty. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited monthly based on daily balance. $5.00 fee per withdrawal.$5 and up | 0.20% | $20 | Dividends compounded and credited monthly based on daily balance. $5.00 fee per withdrawal. |
Sources (3)
- pearlhawaii.com/accounts/savings
- pearlhawaii.com/wp-content/upl…ule-of-Fees_04052022.pdf
- pearlhawaii.com/wp-content/upl…/09/TRUTH-IN-SAVINGS.pdf
All captured Oct 22, 2026
IRA Savings Account
0.20%APY
Individual retirement savings accounts available under Traditional IRA, Roth IRA, and Coverdell ESA tax wrappers. No service fee. Account transfer and withdrawal limitations apply (max 6 transfers/withdrawals per month). Penalties may apply for early/unqualified withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upApplies to Traditional IRA, Roth IRA, and Coverdell ESA IRA. Dividends compounded and credited quarterly based on daily balance. No monthly service fee. Account transfer and withdrawal limitations apply.$5 and up | 0.20% | $20 | Applies to Traditional IRA, Roth IRA, and Coverdell ESA IRA. Dividends compounded and credited quarterly based on daily balance. No monthly service fee. Account transfer and withdrawal limitations apply. |
Momi's Money (Children's Savings)
0.10%APY
For children from birth to age 9; requires an authorized adult account owner who is a PHFCU member. Free coin sorting up to $200/day. Accounts with average daily balance of $500 or more eligible for annual birthday gift. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited quarterly based on daily balance. Account transfer and withdrawal limitations apply.$5 and up | 0.10% | $10 | Dividends compounded and credited quarterly based on daily balance. Account transfer and withdrawal limitations apply. |
Sources (2)
All captured Oct 22, 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.