Pearl Hawaii Credit Union Ewa Beach HI | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Pearl Hawaii, where we believe in building a brighter financial future for our community! Located at 911401 Fort Weaver Rd Ste A102, Ewa Beach, HI 96706, our Ewa Branch has been serving the local community since 1937. With a strong commitment to member service, we proudly support over 32,000 members with personalized banking solutions tailored to their unique needs. At Pearl Hawaii, we understand that trust is built through transparency and reliability. Our branch boasts total assets of $475,368,328, ensuring that your financial needs are met with stability and confidence. We offer a range of services from checking and savings accounts to auto loans and credit cards with rewards providing you with everything you need under one roof. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 91-1401 Ft Weaver Rd Ste A102, Ewa Beach, HI 96706-2268. Our dedicated team, led by CEO Daniel Terada and Board President Ryan Tsuji, is here to help you navigate your financial journey. We employ a talented staff of 77 employees who are ready to assist you with any questions or concerns. You can reach us at (808) 737-4328 during our operating hours: Monday through Friday from 10:00 a.m. to 6:00 p.m., and Saturday from 8:00 a.m. to 3:00 p.m. With total deposits reaching $47,125,964 and net worth standing at $45,897,064, Pearl Hawaii is not only a safe place for your money but also an institution dedicated to fostering growth within the community. We take pride in being part of Ewa Beach and continually strive to provide value that enhances the lives of our members. We invite you to explore all that Pearl Hawaii has to offer by visiting our website at pearlhawaii.com. Whether you're looking for personal banking solutions or business services, we're here for you every step of the way! Come by our Ewa Branch today or give us a call; let's work together toward achieving your financial goals!

Branch History & Mission

Commitment to Accessibility

Understanding the importance of accessibility, we ensure that our facilities meet ADA compliance standards. This way, everyone in our community can benefit from our services without barriers. While we currently do not offer ATMs or drive-thru services at this location, we do provide shared service center capabilities for basic transactions. As part of the Pearl Hawaii family, you will find a welcoming environment where your financial goals are prioritized. Whether it's obtaining an auto loan or managing your savings account, we're here to help you every step of the way.

Join Us

We invite you to become a member of Pearl Hawaii and experience firsthand the dedication we have for supporting your financial journey. Reach out to us at 808-737-4328 or visit us during our operating hours Monday through Friday from 10:00 a.m. to 6:00 p.m., and Saturday from 8:00 a.m. to 3:00 p.m. to learn more about how we can assist you. Join us today and let's build a brighter future together! For more information about membership and services offered by Pearl Hawaii Ewa Branch, please visit our website.

Our Journey

Since our opening, Pearl Hawaii has experienced remarkable growth. What began as a modest credit union has transformed into an institution with total assets of approximately $475 million. We are proud to offer a range of services that cater to the diverse needs of our membership. Our journey reflects not just numbers but stories of families and individuals achieving their dreams with our support. Throughout our history, we have embraced advancements in technology while maintaining a strong focus on personal service. Our commitment to customer-centric initiatives means you can enjoy online banking options such as mobile payments and e-statements, allowing you to manage your finances conveniently from anywhere.

Our Mission

At Pearl Hawaii, our mission is clear: we aim to provide exceptional financial services that enhance the lives of our members while giving back to the community we cherish. We believe that when our members thrive, so does our community. That's why we actively participate in outreach programs and partnerships designed to uplift local organizations and foster economic growth. While members can visit us at 911401 Fort Weaver Rd Ste A102 Ewa Beach Hi 96706, official correspondence should be sent to 91-1401 Ft Weaver Rd Ste A102, Ewa Beach, HI 96706-2268 if needed.

Branch Location & Accessibility

Accessibility and Parking

Our branch is situated in a vibrant area near local shops and restaurants, making it easy to combine your banking errands with daily activities. We offer ample parking right outside our location for your convenience. The branch is also ADA compliant, ensuring that everyone has access to our services.

Get in Touch

Have questions or want to learn more about how we can assist you? Feel free to call us at 808-737-4328 or stop by during our open hours! Our friendly team is always ready to help you navigate your financial journey. We look forward to welcoming you soon!

Operating Hours

We know your time is valuable. That's why we offer flexible operating hours from Monday through Friday, opening at 10:00 a.m. and closing at 6:00 p.m., with Saturday hours from 8:00 a.m. to 3:00 p.m. This schedule allows you to visit us at a time that works best for you.

Services Offered

At Pearl Hawaii Ewa Branch, we provide a variety of services tailored to meet your financial needs. From personal banking accounts and auto loans to mortgage refinancing and credit cards with rewards, we have solutions designed just for you. We also support business banking through merchant services and business loans. Although we don't have ATMs or drive-thru service available at this location, we do offer shared branch services for basic transactions like deposits and withdrawals if you're a member of one of our partner credit unions.

Member Eligibility

At Pearl Hawaii, we believe that everyone deserves a chance to be part of a caring community. Joining us as a member is simple and rewarding! To become part of our family, you just need to meet some basic criteria. Generally, individuals who live, work, or worship in the Ewa Beach area are eligible to join. It's all about building relationships and supporting each other in our financial journeys. You can find more details about eligibility on our website at . Once you're ready to take the next step, opening an account is a breeze! We're here to help guide you through the process, ensuring everything feels comfortable and straightforward. If you have questions or need assistance, don't hesitate to give us a call at (808) 737-4328. We're excited to welcome you to Pearl Hawaii, located at 911401 Fort Weaver Rd Ste A102 Ewa Beach Hi 96706, where you'll discover the many benefits of being part of our cooperative community! For more information on how to open an account, check out https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad8qfwimp9buraq3fe69lbr_9u4gemgv3e1o4v_ihb_haideifgyktuhaihzxpg8n2qcghk0qhr5qieb-wpre6l7snotjqzyvxnwlxou4x91d .

Business Banking & Commercial Services

Financing That Fuels Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Practical Merchant Services

Beyond loans, our merchant services make everyday transactions smooth and efficient. Imagine a local coffee shop that can effortlessly accept payments from customers using various methods credit cards, mobile payments, or even digital wallets. This convenience not only enhances customer satisfaction but also streamlines operations, allowing you to focus on what you do best: running your business. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Ewa Beach, HI. Partner with us at Pearl Hawaii, located at 911401 Fort Weaver Rd Ste A102 Ewa Beach Hi 96706, and discover how we can help your business thrive!

Comprehensive List Of Services

Business Banking

If you're a business owner, we understand the unique challenges you face. That's why our business banking services, including merchant services and business loans, are crafted to support your operations and growth. We believe in empowering local businesses by providing them with the necessary tools to thrive.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking solutions that allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, or pay bills from the comfort of your home or on the go. With features like ATM and cash withdrawal services available through our partner networks, accessing your money has never been easier.

Personal Banking

For those seeking reliable personal banking options, we offer various checking and savings accounts designed to help you save effectively while enjoying easy access to your funds. Need a new car? Our auto loans and vehicle financing services make it simple to drive away in your dream vehicle without breaking the bank. If you're considering homeownership or refinancing an existing mortgage, our mortgage loans provide competitive rates and flexible terms. Perhaps you want to consolidate debt or cover unexpected expenses? Our personal loans are here to assist, giving you the financial breathing room you need. Plus, with our credit cards offering rewards, every purchase can bring you closer to special perks.

Shared Branch Transactions

Additionally, if you're a member of another credit union that partners with us, we provide basic shared branch transactions such as deposits and withdrawals. This feature ensures that no matter where you are, your finances remain within reach. At Pearl Hawaii, we're more than just a financial institution; we're a part of your community. We invite you to explore all that we have to offer by visiting us or calling us at 808-737-4328 during our operating hours: Monday through Friday from 10:00 a.m. - 6:00 p.m., and Saturday from 8:00 a.m. - 3:00 p.m. Ready to take control of your financial future? Visit us online at pearlhawaii.com or stop by our branch today!

Digital & Online Banking

24/7 Access

At Pearl Hawaii, we understand that life doesn't stop after business hours. That's why our online banking services are available 24/7. Whether you're checking balances late at night or making a payment early in the morning, you can rest assured knowing that managing your finances has never been easier. With these tools at your disposal, you'll have full control over your financial journey right at your fingertips. Join us today at Pearl Hawaii and experience the convenience of modern banking!

E-Statements and Transfers

Say goodbye to paper clutter! With e-statements available, you'll receive your account statements electronically. This not only saves trees but also makes it easier to manage your records. For those times when you need to send money directly to friends or family, our person-to-person transfer feature makes it simple and quick no more waiting for checks to clear.

Key Features

Our online banking platform, which you can explore at https://pearlhawaii.com/ , offers a variety of features designed to make banking easy for you. You can view your account balances, transfer funds between accounts, and pay bills all with the assurance that your information is protected. We utilize electronic signature authorization, ensuring that your transactions are secure and straightforward. If you prefer to keep track of your finances on your mobile device, our mobile application is ready for download. This app provides all the functionality of our online banking service right in your pocket. Plus, it supports mobile payments, allowing you to make purchases quickly and securely without needing cash or cards.

Financial Strength

A Strong Foundation

With a net worth of $45,897,064, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 965 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Dedicated Team

We take pride in having 70 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. With a total of 57,889 share accounts, it's clear that our growing member base trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Pearl Hawaii is your trusted partner. Visit us at 911401 Fort Weaver Rd Ste A102 or call us at 808-737-4328 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $126,103,029 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits currently at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

While our net income is currently reported as $0, this reflects a strategic approach to operational efficiency that allows us to continue offering competitive loan rates and solid financial products for our members.

Reinvestment for Growth

With $45,102,811 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals with $25,234,225 in total loans and leases and 1,619 used auto loans available to help meet your needs.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already issued $29,073,230 in used vehicle loans and $17,626,342 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable used car, we have options that fit your budget.

Credit Lines and Unsecured Credit Card Loans

For those looking for flexible borrowing solutions, we offer total credit lines amounting to $22,000,000. These lines are designed to provide you with accessible funds when needed. Additionally, we also have flexible terms on unsecured credit card loans, with a total of $4,145,251 helping members manage their finances effectively. If you're considering refinancing any existing loans or exploring eligibility options for our various products, our team is here to help guide you through the process. At Pearl Hawaii, we believe that financial freedom should be attainable for everyone. Whether it's securing an auto loan or obtaining a mortgage for your family home, our dedicated team is ready to assist you every step of the way. For more information about our services or to start your application process today, visit us online at Pearl Hawaii or call us at 808-737-4328. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $46,673,521. This makes buying or refinancing simple and straightforward. We aim to make the process as smooth as possible so that you can focus on what really matters making your house a home.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that all offers are fair and transparent. By relying on verified financial institutions, LendMesh guarantees that users receive accurate information for their loan comparisons.

PEARL HAWAII FEDERAL CREDIT UNION