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Our Commitment to Service, Community, and the Credit Union Movement


Credit Unions do more than just provide financial services— we provide financial services for the purpose of empowering and improving lives. While our first responsibility is to our members, part of being a cooperative movement means looking beyond our walls to the larger community. This philosophy leads us to support worthwhile charitable and social causes, and to work with other credit unions.

Commitment to Service...
Our services are designed to help members from all walks of life achieve greater financial success.

Examples of services that help improve the economic and social well-being of members:

  • Free online services that include banking, bill pay, mobile banking
  • Low minimum deposit savings and membership fee
  • Personal loans for as little as $300
  • Convenient access in person, by phone, and online
  • Free checking with no minimum balance, no monthly service charge
  • Low-cost credit cards with reasonable rates
  • Free Coin Sorting Services
  • A willingness to help members who are dealing with a financial crisis or personal hardship
Commitment to Community…
As a member-owned financial institution, Pearl Hawaii Federal Credit Union is dedicated to serving our community. To accomplish this task, we continually seek out opportunities to offer time and resources in ways that will make a difference for the communities where our members live and work.

Financial Literacy
Pearl Hawaii Federal Credit Union is dedicated to financially empowering our members and the community. Through training in the community, member interactions, and when building our products, we aim at helping members gain knowledge about financial soundness in a trusting and safe environment.

Helping Our Community
Pearl Hawaii Federal Credit Union is dedicated to helping our communities and we have had the honor of sponsoring many wonderful non-profits. Non-Profits have included the Hawaii Foodbank, Toys-For-Tots, Kapiolani Medical Center Children's Miracle Network, Special Olympics of Hawaii, PBS Hawaii, Pearl Harbor Naval Shipyard Apprentice Program, YMCA, Fleet and Family Service Center, Showdown at Cash Canyon, DCCA's Lifesmarts, and many other community based organizations- elementary schools, high schools, home school programs, day care centers, sport groups/leagues.
Commitment to the Credit Union Movement…
We work to build and strengthen credit unions through our commitment to collaborate with others in the credit union community and national cooperative movement. We actively promote the credit union difference at all levels of government and in appropriate public forums.

Examples of activities that support the credit union cooperative movement:
  • Joint public education and community service
  • Education of lawmakers
  • Active participation, support and leadership roles in national and local credit union organizations