Pearl Hawaii Federal Credit Union

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A short history of Pearl Hawaii FCU

Since its inception in 1937 the Pearl Hawaii Federal Credit Union has been serving its members in the WAIPAHU, Hawaii area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Neal Takase, the Pearl Hawaii FCU has grown its membership to over 24,017 with assets of more than $348,704,955. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (808) 737-4328 or email them at myfamily@phfcu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in WAIPAHU, HI.

General Information For Pearl Hawaii FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 1961
Address 94-449 UKEE ST 
City WAIPAHU 
State Hawaii 
Zip-Code 96797
Phone Number (808) 737-4328
Fax Number (808) 218-6299
Email Address: myfamily@phfcu.com
CEO/President Neal Takase
Members 24,017 
Full-Time Employees 63 
Part-Time Employees 10 
Number of Branch Offices
Total Assets 348,704,955 
Website http://www.phfcu.com 

Compare Pearl Hawaii Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Ewa CU Ewa Federal Credit Union 91-1202 Renton Rd # A 96706 (808) 681-3033 No 5.12
Schofield CU MAIN OFFICE PO Box 860669 96786 (808) 624-9884 No 5.39
Hickam CU Hickam 40 Hickam Ct 96820 (808) 423-1391 No 7.36
Hawaiian Airlines CU Main Office 375 Aokea Pl 96820 (808) 835-3344 No 8.86
Times CU Times Federal Credit Union 3375 Koapaka St Ste D106 96819 (808) 831-0986 No 9.23

Pearl Hawaii Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Pearl Hawaii Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 13.90 2.24 2.74 4.25 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 493 56 70 174 100
Rank Among All Hawaii Credit Unions 28 3 4 13 11

Pearl Hawaii Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 N/A 0.40 0.20
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 N/A 284 271
Rank Among All Hawaii Credit Unions N/A 14 N/A 23 21
Pearl Hawaii Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 13.9002,2012,311,981
All Other Unsecured Loans/Lines of Credit 11.0003,26920,738,354
Short-Term, Small Amount Loans (STS) (Federal CU Only) 23.0005027,966
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.2401,18324,765,599
Used Vehicle Loans 2.7401,13316,814,213
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.25027448,471,253
Total Other Real Estate Loans/Lines of Credit 4.00050527,299,833
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 2.40075623,926
TOTAL LOANS & LEASES 8,690141,053,125

Pearl Hawaii Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 3314,66700
    b. 15 Years or less 25747,880,340133,416,500
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 14276,24600
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 21620,598,799162,210,500
Closed-End Adjustable Rate 24632,84800
Open-End Adjustable Rate 1923,405,2233111,309,123
Open-End Fixed Rate 732,662,96313599,172
TOTALS 77975,771,0863537,535,295

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Pearl Hawaii Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes