Pearl Hawaii Federal Credit Union rates
NCUA InsuredLast checked Nov 11, 2026
Today's posted mortgage, HELOC, savings, certificate, auto loan and personal loan rates from Pearl Hawaii Federal Credit Union, copied from its own website and checked every business day. 808rates is independent and not affiliated with Pearl Hawaii FCU; no lender pays to be listed or ranked. Pearl Hawaii FCU website
Open to most Hawaii residents · Check eligibility
How Pearl Hawaii FCU compares
Each lender's best posted rate in each category, among the lenders we track that post one. Rates may carry conditions (membership, credit tier, balance, island); see each row below.
- 30-year fixed
- 5.973% APR · lowest of 11 (30-Year Fixed (A-tier))
- 15-year fixed
- 5.434% APR · 2nd lowest of 11 (15-Year Fixed (A-tier, No Points))
- HELOC (variable APR after intro)
- 6.50% APR · lowest of 11 (Home Equity Line (3-yr intro, A-tier))
- Savings
- 0.10% APY · 7th highest of 10 (Pearl Savings)
- CD / certificate
- 4.40% APY · 2nd highest of 8 (8-Month Certificate)
- New car loan, 3 years
- 5.00% APR · 3rd lowest of 4 (New Auto (3 years))
- Used car loan, 3 years
- 5.00% APR · tied lowest of 5 (Used Auto (3 years))
- Personal loan, 4 years
- 9.00% APR · tied 2nd lowest of 5 (Personal Loan (4 years))
- Personal loan, 5 years
- 9.50% APR · tied 3rd lowest of 5 (Personal Loan (5 years))
15-Year Fixed (A-tier, No Points)
Rate
5.375%
APR
5.434%
Points
None
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Only owner-occupied properties on Oahu accepted as collateral. Membership required.
15-Year Fixed (A-tier)
Rate
5.125%
APR
5.494%
Points
2
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Only owner-occupied properties on Oahu accepted as collateral. Membership required.
30-Year Fixed (A-tier)
Rate
5.750%
APR
5.973%
Points
2
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Only owner-occupied properties on Oahu accepted as collateral. Membership required.
30-Year Fixed (A-tier, No Points)
Rate
6.000%
APR
6.036%
Points
None
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Only owner-occupied properties on Oahu accepted as collateral. Membership required.
Ranked by lowest variable APR after the intro period ends; ties go to the lower intro rate.
Home Equity Line (3-yr intro, A-tier)
Intro APR
4.875%
Variable APR
6.50%
Max line
$400,000
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: "A" tier rate (APR "as low as"). Only owner-occupied properties on Oahu accepted as collateral. Initial advance of $10,000+ required for the intro rate. Variable APR applies 4/1/2026–3/31/2027.
Pearl Hawaii FCU savings rates and history →
8-Month Certificate
APY
4.40%
Minimum
$1,000
Term
8 months
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · source
12-Month Certificate
APY
1.25%
Minimum
$1,000
Term
12 months
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · source
Ranked by lowest published ("as low as") APR, only against loans for the same vehicle type and term.
New Auto (3 years)
Vehicle
New
Term
36 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Up to 120% of MSRP.
New Auto (4 years)
Vehicle
New
Term
48 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Up to 120% of MSRP.
New Auto (5 years)
Vehicle
New
Term
60 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Up to 120% of MSRP.
Used Auto (3 years)
Vehicle
Used
Term
36 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Hawaii-registered vehicles up to 7 model years old; up to 105% of Kelley Blue Book retail value.
Used Auto (4 years)
Vehicle
Used
Term
48 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Hawaii-registered vehicles up to 7 model years old; up to 105% of Kelley Blue Book retail value.
Used Auto (5 years)
Vehicle
Used
Term
60 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Full-coverage insurance with Pearl as loss payee, $500 maximum deductible. Membership required. Hawaii-registered vehicles up to 7 model years old; up to 105% of Kelley Blue Book retail value.
Ranked by lowest published ("as low as") APR, only against loans with the same term.
Personal Loan (3 years)
Term
36 months
APR as low as
8.75%
Max amount
See lender
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Membership required.
Personal Loan (4 years)
Term
48 months
APR as low as
9.00%
Max amount
See lender
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Membership required.
Personal Loan (5 years)
Term
60 months
APR as low as
9.50%
Max amount
See lender
Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Membership required.
Share kit
PNG files and captions for Pearl Hawaii FCU. Each file name includes the date on the lender's page.
30-year fixed
5.973% APR · As posted Nov 9, 2026
Free to share as-is with the date.
Independent; not paid; not an endorsement.
Other Hawaii lenders we track
- First Hawaiian Bank
- Bank of Hawaii
- Central Pacific Bank
- American Savings Bank
- Hawaii State Federal Credit Union
- Finance Factors
- University of Hawaii Federal Credit Union
- Hawaii Central Federal Credit Union
- Hawaiian Financial Federal Credit Union
- Lokahi Federal Credit Union
- Hawaii National Bank
Rates are copied exactly from each lender's own page and can change at any time; confirm with the lender before applying. How we collect and rank rates