Pearl Hawaii Credit Union Waianae HI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Pearl Hawaii at our Waianae Branch, located at 85866 Farrington Hwy, Waianae, HI 96792. Since our establishment in 1937, we have proudly served our community with a commitment to helping members achieve their financial goals. With over 32,000 members and total assets of $475,368,328, we are dedicated to providing personalized banking services that make a positive impact on the lives of those we serve. At Pearl Hawaii, we understand that each member has unique needs. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, our wide range of services is designed to support you every step of the way. We currently have 77 employees ready to assist you from Monday to Friday between 9 a.m. and 5 p.m., and on Saturday from 8 a.m. to 3 p.m. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address at 94-449 Ukee Street, Waipahu, HI 96797. Our team is led by CEO Daniel Terada and Board President Ryan Tsuji, who are both passionate about fostering strong relationships within the community. With total deposits reaching $47,125,964, and cash in hand amounting to $905,370, we ensure that your money is safe and accessible whenever you need it. Our goal is not just about numbers; it's about building trust and reliability within our community. We invite you to explore what Pearl Hawaii has to offer by visiting our website at pearlhawaii.com or giving us a call at 808-737-4328. Let us help you take the next step towards achieving your financial dreams!

Branch History & Mission

At Pearl Hawaii, our journey began in 1937, rooted in a commitment to serve the community of Waianae, HI. Over the decades, we have evolved and adapted to meet the changing needs of our members while staying true to our core values. Today, we proudly stand as a trusted financial partner for over 32,000 members, helping them achieve their financial goals and dreams. Located at 85866 Farrington Hwy, Waianae, HI 96792, our branch has been a staple in the community for many years. We are just a stone's throw away from local landmarks that make Waianae unique, allowing us to connect deeply with our surroundings and the people we serve. While members can visit us at this address for all their banking needs, official correspondence should be sent to 94-449 Ukee Street, Waipahu, HI 96797. Our mission is clear: to provide quality financial services that empower our members while fostering community support and engagement. We believe that everyone deserves access to affordable banking solutions, whether it's personal banking services like checking and savings accounts or more specialized offerings such as auto loans and mortgage refinancing. With total assets amounting to an impressive $475 million, we are well-positioned to provide competitive products tailored to meet diverse needs. Over the years, Pearl Hawaii has embraced technological advancements to enhance our services. From online banking and mobile payments to e-statements and person-to-person transfers, we've made it easier than ever for our members to manage their finances. We also prioritize accessibility by ensuring ADA compliance at our branch. Community outreach remains a cornerstone of our mission. We actively participate in local events and partner with organizations that uplift and support those in need within our neighborhoods. Our shared service center allows us to collaborate with other credit unions, expanding access for all members across different regions. With operating hours from Monday to Friday from 9 a.m. to 5 p.m., and Saturday from 8 a.m. to 3 p.m., we're here when you need us most. Although we do not have drive-thru banking available at this location, we ensure that every visit is met with friendly service from our dedicated team. If you're looking for a financial institution that genuinely cares about its members and community, look no further than Pearl Hawaii. Join us today and experience the difference that comes from being part of a cooperative where your success is our priority! For more information or to open an account, please call us at 808-737-4328 or visit our website.

Branch Location & Accessibility

Get in Touch

If you have questions or need assistance, don't hesitate to reach out! Call us at 808-737-4328. We look forward to welcoming you at the Pearl Hawaii Waianae Branch soon!

Operating Hours

Our doors are open for you Monday through Friday from 9 a.m. to 5 p.m., and on Saturdays from 8 a.m. to 3 p.m. We strive to make your banking experience as convenient as possible!

Services Offered

At Pearl Hawaii, we offer a range of services tailored to meet your needs from checking and savings accounts to auto loans and credit cards with rewards. Whether you're looking for personal loans or business banking solutions, we have you covered. Plus, with shared service center availability, members of partner credit unions can enjoy basic transactions right here.

Member Eligibility

Becoming a member of Pearl Hawaii feels like joining a warm and welcoming family. If you're looking for personalized financial services that truly care about you, then you've come to the right place! To be eligible for membership at Pearl Hawaii, you simply need to live, work, or worship in our community. This means whether you're a long-time resident or new to the area, there's a place for you here. You can find more specific details about eligibility by visiting this link: . Joining us is easy! Once you know you're eligible, opening an account is just a few clicks away. Simply head over to our account opening page here: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad8qfwimp9buraq3fe69lbr_9u4gemgv3e1o4v_ihb_haideifgyktuhaihzxpg8n2qcghk0qhr5qieb-wpre6l7snotjqzyvxnwlxou4x91d. If you have any questions or need assistance, feel free to give us a call at (808) 737-4328. We're excited to welcome you into the Pearl Hawaii community, where your financial journey is supported every step of the way!

Business Banking & Commercial Services

Business Loan Options

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. For those outside our member community, we also provide $0 in non-member commercial loans, ensuring flexible financing options are available to everyone.

Merchant Services

In addition to loans, we offer essential merchant services designed to streamline your operations. Imagine processing payments effortlessly while focusing on growing your business. Our services enable you to accept various payment methods, making transactions smoother for both you and your customers. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Waianae, HI. Let us partner with you on the path to success! For more information, feel free to visit us at 85866 Farrington Hwy Waianae Hi 96792 or call us at (808) 737-4328.

Comprehensive List Of Services

ATM Access and Shared Branching

Need cash? Our ATM services offer hassle-free access for withdrawals and balance checks. Additionally, as part of a shared service network, we provide basic transactions for partner credit union members making it easier than ever for everyone in our community to access their funds. At Pearl Hawaii, we believe in making banking accessible and straightforward for all our members. Whether you're looking to save, borrow, or manage your money more effectively, we're here for you every step of the way. Ready to take the next step? Visit us today at 85866 Farrington Hwy Waianae Hi 96792, or explore more about our services by visiting our website at https://pearlhawaii.com/. We look forward to serving you!

Business Banking Services

For our business members, we offer specialized services tailored just for you. With our Business Banking solutions, including Merchant Services & Business Loans, you can focus on growing your enterprise while we handle the banking side of things.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Pearl Hawaii, we provide robust Online & Mobile Banking options that allow you to manage your accounts anytime and anywhere. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer.

Personal Banking Solutions

We understand that managing your finances is crucial, which is why we offer various personal banking options. Whether you're opening a checking or savings account, or looking for ways to finance your dream car, we've got you covered. Our Auto Loans & Vehicle Financing make it easy to get behind the wheel without the stress. We also provide Mortgage Loans & Refinancing for those looking to buy their first home or refinance an existing mortgage, making the process smooth and straightforward. If you're facing unexpected expenses or need some extra cash, our Personal Loans & Debt Consolidation options are designed to help you regain control over your finances. Plus, don't forget about our attractive Credit Cards with Rewards, which let you earn points on everyday purchases.

Digital & Online Banking

Key Services

Explore our user-friendly online banking platform at https://pearlhawaii.com/. Here, you can easily check your account balances, pay bills, and transfer money with confidence. For those who prefer to bank on the go, our mobile application is available for download, allowing you to manage your finances directly from your smartphone. Need to send money quickly? Our person-to-person transfer service makes it easy to send funds to friends and family with just a few taps. Plus, with our electronic signature authorization feature, signing important documents is hassle-free and secure.

Security and Accessibility

Your security is our priority. That's why we offer robust protection features that keep your information safe while you enjoy the convenience of online banking. Additionally, our e-statements help reduce paper clutter while providing you with quick access to your account history. Whether you're making mobile payments or reviewing transactions from the comfort of your home, our 24/7 online banking services ensure that you have access whenever you need it. Enjoy real-time account management without the stress of waiting in line or rushing to meet branch hours. At Pearl Hawaii, we're committed to helping you achieve financial wellness through easy-to-use digital tools that fit into your busy lifestyle. Experience the future of banking today!

Financial Strength

Committed Workforce

We also 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. Our dedicated staff is here to assist you with all your banking needs.

Conclusion

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 85866 Farrington Hwy Waianae Hi 96792 or call 808-737-4328 to learn more about how we can help you achieve your financial goals.

Focused on Our Members

Unlike traditional banks, we prioritize our members. 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. This approach allows us to reinvest in innovative banking tools and stronger lending options.

Lending Capacity

With $25,234,225 in total loans and leases, including 1,619 used auto loans, our lending capacity supports members' financial goals across various sectors. This versatility means whether you're looking to buy a car or finance a personal project, we're here to help you succeed.

Member Savings and Investments

Members' savings are secured through $126,103,029 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently do not have any money market shares available, our commitment to safeguarding your funds remains unwavering.

Solid Financial Base

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 9.65% 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 interested in a brand-new model or a reliable used vehicle, our team is here to assist you through every step of the process.

Credit Lines and Unsecured Loans

For those who need quick access to funds for unexpected expenses or debt consolidation, we provide flexible terms on unsecured credit card loans. With a total of $4,145,251 in unsecured credit card loans helping members manage their finances effectively, you can rest assured that we have solutions designed with your needs in mind. Additionally, our total credit lines available reach up to $22,000,000, giving you more options for accessing funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $46,673,521. With our easy application process and personalized service, achieving your dream home is closer than ever.

Refinancing Options

If you currently have loans that could benefit from lower interest rates or better terms, consider refinancing with us. Our team will guide you through the eligibility options available so that you can make informed decisions about your finances. For more information about our loan products or to apply today, please call us at 808-737-4328 or visit us at 85866 Farrington Hwy Waianae Hi 96792. You can also explore more details on our website at Pearl Hawaii. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Pearl Hawaii help you navigate your financial journey!

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Pearl Hawaii