Pearl Hawaii Credit Union Honolulu HI | Best Auto Loans & Business Banking

Introduction

Welcome to Pearl Hawaii, your trusted credit union located at 1288 Ala Moana Blvd Ste 106, Honolulu, HI 96814. Since our establishment in 1937, we have been dedicated to serving our community and providing financial solutions that cater to the diverse needs of our members. With a strong membership base of over 32,000 individuals and total assets amounting to $475,368,328, we are proud to be a cornerstone of financial support in the Honolulu area. At Pearl Hawaii, we believe in empowering our members through personalized services and competitive rates. We offer an array of financial products including auto loans, mortgages, and personal loans tailored to help you achieve your goals. Currently, we have approved 11,326 loans and leases, demonstrating our commitment to facilitating growth and stability for our members. Our leadership team is passionate about fostering a welcoming environment. Under the guidance of CEO Daniel Terada and Board President Ryan Tsuji, we strive to ensure that every member feels valued and supported. Our staff of 77 employees is here to assist you with any questions or concerns you may have. While you can always visit us at our branch for assistance, please note that any official correspondence should be sent to the same address: 1288 Ala Moana Blvd Ste 106, Honolulu, HI 96814. You can reach us at (808) 737-4328 during our operating hours Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 2 PM. Join us today and discover how Pearl Hawaii can help you navigate your financial journey with confidence! For more information on our services or to open an account online, visit us at pearlhawaii.com. We look forward to welcoming you into our community!

Branch History & Mission

At Pearl Hawaii, we take great pride in our rich history and the journey that has shaped us into the community-focused credit union we are today. Established in 1937, our Honolulu Branch has been a steadfast presence in the heart of the city, located at 1288 Ala Moana Blvd Ste 106, Honolulu, HI 96814. Over the decades, we've grown alongside our members, evolving to meet their financial needs while staying true to our mission of serving our community. From our humble beginnings to becoming a trusted financial partner for over 32,000 members, Pearl Hawaii has embraced growth and change. Our total assets now stand at an impressive $475,368,328, reflecting our commitment to providing secure and reliable services. We have continually expanded our offerings, including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Our mission is simple yet powerful: to empower our members by providing accessible financial services while fostering a spirit of community support. We believe that everyone deserves financial stability and success. Whether it's helping families secure their first home or assisting small businesses with loans and merchant services, we strive to make a positive impact on those we serve. While members can visit us at 1288 Ala Moana Blvd Ste 106, official correspondence should be sent to the same mailing address for your convenience. Our branch operates Monday through Friday from 9 AM to 5 PM and Saturdays from 9 AM to 2 PM, ensuring that we are available when you need us. Pearl Hawaii is dedicated to embracing modern advancements in banking. We offer online and mobile banking services, allowing members to manage their finances easily from anywhere. Additionally, we maintain ADA compliance in all our facilities and are proud of our shared service center availability for those who may need extra assistance. Our commitment extends beyond just financial transactions; we're actively involved in community outreach programs that foster partnerships and support local initiatives. By collaborating with various organizations, we aim to create opportunities for growth within our neighborhoods. If you're looking for a credit union that prioritizes your needs while nurturing the community around us, we invite you to become a part of Pearl Hawaii's legacy. Join us today and experience the benefits of being a member at Pearl Hawaii where your financial well-being matters most! For more information or to open an account, give us a call at 808-737-4328 or visit our website.

Branch Location & Accessibility

Welcome to the Pearl Hawaii Honolulu Branch, conveniently located at 1288 Ala Moana Blvd Ste 106 in the heart of Honolulu. This prime spot is easily accessible for all our members, whether you're coming from nearby landmarks like Ala Moana Center or enjoying a day at Magic Island. With ample parking available, visiting us is a breeze. Our branch is designed with your comfort in mind. We are proud to be ADA compliant, ensuring that everyone can access our services without any hassle. While you're here, take advantage of our personal banking offerings, including checking and savings accounts, auto loans, mortgage refinancing, and more. For those who prefer to reach out before stopping by, feel free to call us at 808-737-4328 during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 2 PM. We're here to help with all your banking needs! While members can visit us at this address for banking services, please note that official correspondence should be sent to the same address: 1288 Ala Moana Blvd Ste 106, Honolulu, HI 96814. Although we do not have an ATM or drive-thru service at this location, we offer shared service center options for basic transactions like deposits and withdrawals for partner credit union members. We look forward to welcoming you! Whether you're looking for personalized service or just need some quick assistance, come visit us at the Pearl Hawaii Honolulu Branch today!

Member Eligibility

At Pearl Hawaii, we believe that joining our community is a step towards a brighter financial future. We welcome anyone who lives, works, or worships in our local area, as well as their family members, to become part of our supportive family. With us, you'll find not just banking services but a genuine commitment to helping you achieve your financial goals. Becoming a member means you can access a range of benefits tailored just for you, including personal banking options, auto loans, and more. If you're ready to start this journey, the process is simple! You can find all the eligibility details on our website at . When you're prepared to open an account, just visit https://app.loanspq.com/apply.aspx ?enc=kw21wblm1yxpjjabdozad8qfwimp9buraq3fe69lbr_9u4gemgv3e1o4v_ihb_haideifgyktuhaihzxpg8n2qcghk0qhr5qieb-wpre6l7snotjqzyvxnwlxou4x91d or give us a call at (808) 737-4328. We're here to help you every step of the way at our conveniently located branch at 1288 Ala Moana Blvd Ste 106 Honolulu Hi 96814. Welcome to the family!

Business Banking & Commercial Services

Business Loans That Fuel 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

In addition to loans, we provide merchant services that simplify payment processing for your business. Whether you're running a café or a retail store, our solutions ensure you can accept payments quickly and securely. This means more time focusing on what you love growing your business without worrying about complicated transactions. Located at 1288 Ala Moana Blvd Ste 106 Honolulu Hi 96814 in Honolulu, HI, our team is ready to assist you. Call us at (808) 737-4328 or visit us today to discover how we can support your business journey!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small business owners in our community, we offer comprehensive business banking services including merchant services and business loans. We know how crucial it is to keep your business running smoothly, so let us take care of the financial side while you focus on what you do best.

Convenient Access Anytime

In today's fast-paced world, convenience matters. That's why at Pearl Hawaii, we provide access to online and mobile banking platforms that allow you to manage your finances from anywhere. Our ATM services make cash withdrawal easy when you need it most, although we currently do not have ATMs on-site. Additionally, as part of our commitment to serving our members better, we offer basic shared branch transactions for partner credit union members. This means you can deposit or withdraw cash even when you're away from home. If you're ready to explore all these services and more at Pearl Hawaii, don't hesitate to reach out! You can call us at 808-737-4328 or visit us during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 2 PM. Join us today at Pearl Hawaii where your financial future begins!

Personal Banking Made Easy

We understand that managing your finances can be overwhelming. That's why we offer personal banking options such as checking and savings accounts tailored to fit your lifestyle. Imagine having the flexibility to access your funds anytime with our online and mobile banking features. You can check balances, transfer money, and even make payments right from your phone perfect for those on-the-go moments. If you're considering buying a car or need help with existing auto loans, we provide competitive rates and flexible terms for auto loans and vehicle financing. Picture driving off in that new car while knowing you've secured the best deal possible! Additionally, if you're planning to purchase a home or refinance your mortgage, our mortgage loan options are designed with you in mind.

Support for Life's Financial Challenges

Life can bring unexpected expenses, which is why we offer personal loans and debt consolidation options. Whether it's covering medical bills or consolidating credit card debt into one manageable payment, we're here to help you find a solution that works for you. Plus, our credit cards come with rewards that give back every time you spend just another way we support our members!

Digital & Online Banking

Convenient Online Access

With our online banking services available at https://pearlhawaii.com/ , you can check balances, pay bills, and transfer money with just a few clicks. The convenience of being able to manage your accounts from anywhere means no more waiting in line or rushing to the bank before closing time.

Mobile Banking Made Easy

For those who prefer banking on their smartphones, our mobile application offers all the features you need right at your fingertips. From mobile payments to person-to-person transfers, managing your money has never been more straightforward. Plus, with mobile payments enabled, you can make purchases directly from your phone perfect for those busy days when you're out and about.

Real-Time Account Management

With all these features combined, you'll have real-time access to your accounts anytime you need it. Whether it's sending money to a friend using person-to-person transfers or simply checking your balance during lunch, our digital services are designed for ease of use. Experience the future of banking today at Pearl Hawaii where convenience meets security!

Secure and User-Friendly Features

Security is a top priority for us. Our electronic signature authorization allows you to sign documents securely from your device, making it easier than ever to complete transactions without the hassle of paperwork. You can also take advantage of our e-statements, which provide a quick and eco-friendly way to keep track of your account activity.

Financial Strength

Commitment to Innovation

With $45,102,811 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is reflected in our $1,619 in used auto loans and $252,342,255 in total loans and leases supporting your financial goals across various sectors.

Member Trust

Total Share Accounts stand at 57,889, showing a strong and growing member base that trusts us with their finances. This trust translates into Net Shares (Funds available for lending and investments): $0, further strengthening our ability to meet your needs. 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 1288 Ala Moana Blvd Ste 106 Honolulu Hi 96814 or call (808) 737-4328 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 70 full-time employees and 7 part-time employees who are dedicated to providing excellent service.

Secure Savings Options

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

Strong Financial Health

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $29,073,230 in used vehicle loans and $17,626,342 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, we provide flexible terms tailored to fit your budget.

Credit Lines

If you're looking for flexibility in managing your cash flow, our credit lines can be an excellent option. With a total of $22,000,000 available in credit lines loans, you can access funds whenever you need them without the hassle of applying for a new loan each time. At Pearl Hawaii, we're committed to providing transparent and accessible financing options. If you're interested in refinancing any existing loans or would like to learn about eligibility options for our various products, feel free to reach out. For any questions or assistance regarding our loan offerings or to explore how we can help you achieve your financial objectives, please don't hesitate to call us at 808-737-4328 or visit us at 1288 Ala Moana Blvd Ste 106 Honolulu Hi 96814. 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, including Junior Lien 1-4 Family Residential Properties loans totaling $46,673,521, make buying or refinancing simple. We can help you navigate the process and find the right solution for your housing needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,145,251 in loans helping members manage their finances effectively. These credit cards come with competitive rates and rewards that can benefit you every day.

Loan Aggregator

Ensuring 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 ), ensuring fair and transparent offers. This commitment to accuracy guarantees that users receive legitimate and trustworthy loan options tailored to their needs.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in your choices. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the platform's effectiveness and reliability. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

PEARL HAWAII FEDERAL CREDIT UNION