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Pearl Hawaii

94-449 UKEE ST, Waipahu, HI 96797
NCUA Insured4.8 (198 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1937

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

94-449 UKEE ST

Waipahu, HI 96797

Service Area

This credit union is located in Waipahu and serves members in the HI area. Currently serving 31,443 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.99%

Used Auto Loan

5.24%

Personal Loan

11.00%

Credit Card APR

18.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in HI

Lowest rates currently reported by credit unions in HI (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(6 total)

Member Reviews

4.8

198 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Ken Caz

Ken Caz

5 months ago

We were very happy with the help from Cheynne. She was very professional and very knowledgeable in the process.. We ran into a small mix up but that was my fault, and with her help we got it corrected and the loan completed. I would definitely recommend her and Pearl Hawaii to my family and friends. Thank you for all your help Cheynne take care. Ken Cazinha

Benjamin Fualaga

Benjamin Fualaga

7 months ago

I am using my son’s email to create this review, but Shannon from Pearl Hawaii FCU was AWESOME ! She did a great job on assisting me and the process was fast. She was very kind and knowledgeable! I do recommend asking for her when calling needing help. God bless Shannon!

Chey Lorenzo

Chey Lorenzo

7 months ago

I reached out to Pearl Hawaii Federal Credit Union to inquire about services and products they offer. As a federal employee, during a time of uncertainty, I wanted to ensure I knew what options and services were available at our bank. It was a complete pleasure to work Braeden O. He was knowledgeable, friendly, professional, and went above and beyond to ease all concerns that I had. His positive attitude made my experience easy and enjoyable. It's so nice to know there are still people who genuinely care about their customers. Thank you, Braden!

Jon Iwashita

Jon Iwashita

5 months ago

For over a month I’ve been having trouble getting past the Pearl Hawaii FCU 2-factor authentication webpage. I contacted PHFCU through their customer email address and explained my problem to Sheri with email and over the phone. I was also in contact with HawTel IT techs and supervisor who tried to troubleshoot the problem on their end. Sheri was instrumental in conversing with the PHFCU vendor providing the 2-factor authentication system so I could pass pertinent information back to the HawTel technicians. After HawTel’s troubleshooting process they determined that the 2-factor signal wasn’t being received from the vendor’s system (the PHFCU vendor previously said their system was sending the 2-factor authentication signal). I was frustrated as both HawTel and the PHFCU vendor claimed their systems weren’t at fault. At that point I asked Sheri if she could just turn off the 2-factor authentication process so I could access my accounts on line. But Sheri didn’t give up and she found a work around so I could negotiate the 2-factor authentication page by replacing the phone call requirement and adding an email option to get my security code. In my ordeal Sheri was very patient, knowledgeable and always professional as she worked through the problem. NOTE: I have the same problem with another FCU using the same vendor. They also couldn’t fix the problem. But they also couldn't provided a work around like Sheri did for me at PHFCU. I’m very grateful for Sheri’s diligence and persistence in solving my 2-factor authentication problem. Thank you from a very satisfied customer, Jon

Kristel Pascua

Kristel Pascua

7 months ago

I’ve been a member with Pearl Hawaii since 2021, and every interaction I’ve had has been smooth, friendly, and overall amazing — from Ed to every person who picked up the phone to assist me ! I call in every month to make my auto loan payment, and this month I was assisted by Shanena — she was kind, professional, and walked me through the process just as smoothly as always. She even took the time to ask if there was anything else she could help me with before ending the call. Pearl Hawaii has been nothing short of wonderful over the past four years, and I truly appreciate the consistent customer service and care they provide!!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).