808Rates
Pearl Hawaii Federal Credit Union

Pearl Hawaii Federal Credit Union rates

NCUA InsuredLast checked Oct 2, 2026

Today's posted mortgage, HELOC, savings and certificate 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 7 (30-Year Fixed (A-tier))
15-year fixed
5.434% APR · lowest of 7 (15-Year Fixed (A-tier, No Points))
HELOC (variable APR after intro)
6.50% APR · lowest of 7 (Home Equity Line (3-yr intro, A-tier))
Savings
0.10% APY · 6th highest of 9 (Pearl Savings)
CD / certificate
4.05% APY · 3rd highest of 8 (8-Month Certificate)

Mortgage rates

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15-Year Fixed (A-tier, No Points)
Rate
5.375%
APR
5.434%
Points
None
Checked Oct 2, 2026Lender's page dated Oct 2, 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 Oct 2, 2026Lender's page dated Oct 2, 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 Oct 2, 2026Lender's page dated Oct 2, 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 Oct 2, 2026Lender's page dated Oct 2, 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.

Home equity lines (HELOC)

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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 Oct 2, 2026Lender's page dated Oct 2, 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.

Savings accounts

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Pearl Savings
APY
0.10%
Minimum
$5
Term
—
Checked Oct 2, 2026Lender's page dated Oct 2, 2026 · source

Certificates

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8-Month Certificate
APY
4.05%
Minimum
$1,000
Term
8 months
Checked Oct 2, 2026Lender's page dated Oct 2, 2026 · source
12-Month Certificate
APY
1.25%
Minimum
$1,000
Term
12 months
Checked Oct 2, 2026Lender's page dated Oct 2, 2026 · source

Other Hawaii lenders we track

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