A Savings account is the basic account which upon opening, makes a person a member of the credit union.  This account entitles the person to full use of the credit union's products and services, and bestows the right to one full vote in any credit union election or other voting situation of the membership.

With a minimum deposit of only $6.00, which includes a $1.00 non-refundable membership fee and a $5.00 minimum balance, you too can become a member of PHFCU.   Membership has its advantages and is lifetime as long as you keep your savings account open.

Savings account features:

• Earns competitive dividends on balances of $5.00 and higher.  
  Dividends are calculated on the daily balance and paid quarterly.

• Allows you to deposit funds by Payroll Deduction, Direct Deposit, and by Mail.

• Allows you to withdraw by telephone (check mailed to your home), Wire Transfer
  of Funds and Automatic Teller Machine (ATM) network.

Jumbo Savings Account

To open this higher interest savings account, simply:

• Deposit a minimum of $2500.00 

• Have at least $100.00 in your regular savings account.

Jumbo Savings Account requires a minimum daily balance of $2500.00 in your account each day to obtain the disclosed annual percentage yield.  If your balance falls below $2500.00 you will be paid at the current share savings account rate. Dividends will be compounded and credited to your account every quarter. Statements will be sent out monthly. Jumbo Savings Accounts may have access to ATM.  Dividend rates are subject to change daily.

Checking Account

 

An account that provides members access to funds via personalized checks for paying bills, making purchases and obtaining cash without coming into the credit union.  Members don't have to worry about maintaining a minimum balance, or being assessed a monthly service charge.

This account pays no dividends.  A monthly statement will be provided to all members with Checking Accounts.  Members will be responsible for the reconcilement of their accounts.

Primary members must be 18 years or older to open an individual share draft account.  Members who are over 15 years but under 18 years old are required to open with a parent.  A $20.00 initial deposit or greater is required to open a share draft account.  

Check Reorder

Click here to reorder your new checks!  Remember PHFCU's routing number is  321380328.  You'll have to provide this information as well as your account number and personal information to complete the transaction.  

ATM, Debit and Credit Cards

PHFCU offers card products to provide quick access to your funds.

ATM cards provide access to over 855,000 ATMs worldwide! 5 free transactions a month when using a Bankoh BankMachine ATM. Visit one of our branches to learn more.

Debit cards can be used as ATM cards as well as in point of sale transactions. Funds are pulled from your checking account and you can easily track your purchases online or through your PHFCU statment. Adopt a PHFCU Debit Card. Click Here to Learn how.

PHFCU has a great new, low interest VISA credit card. Want to learn more? Click Here.

To Report Lost or Stolen ATM or Debit Cards:

Call 1-800-523-4175 anytime, or contact us at 808-73PHFCU (737-4328) or toll free 1-800-987-5583 during normal business hours.

 

Individual Retirement Account

The easiest way to start an Individual Retirement Account is with a payroll deduction plan from your employer.

Requirements

The minimum balance required to open this account is $10.00. You must maintain a minimum daily balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.

Traditional IRA

If you are under age 70 1/2 for the entire tax year and have earned income, you are eligible to establish an IRA, even if you already participate in any type of government plan, tax-sheltered annuity, simplified employee pension plan, or qualified retirement plan (pension or profit sharing) established by an employer.

All earnings on your IRA contributions (deductible and/or nondeductible) remain tax deferred until you make withdrawals from the account.

The funds invested in an IRA grow quickly in your credit union, and you have the convenience of depositing by payroll deduction.

PHFCU offers IRA accounts including the Traditional, Roth and Education IRAs.

For IRA account details and rates,  please call or visit us at any branch location. 

Savings Certificates

At Pearl Harbor FCU, you can purchase a Savings Certificate with a minimum deposit of only $1,000.  Choose the term you want and receive a premium rate on your funds. 

Requirements:
Minimum Deposit: $1,000
Term: Any maturity date between 30 and 366 days.

Provisions:
Early Withdrawal Penalty: The penalty we may impose will be the greater of seven days dividends on the amount withdrawn or all dividends that have been earned not to exceed 90 days.

Earned Interest: Paid at maturity; if requested, interest may be paid on a monthly basis, automatically credited to your Share Account.

Renewal: May be renewed for another term at the rate of interest offered at the time of renewal.

Collateral for Loans: You may borrow up to 90% of your pledged Savings Certificate.

CUNA Mutual Group Online

Service on your time.
Take advantage of anytime online self-service for your CUNA Mutual Group investments and insurance policies. You can download forms, change your address or transfer funds online using the Online Service.

Classic Club

A special club for members who have reached the age of 50.  Just come in to our office on your 50th birthday or thereafter, and we'll give you a Classic Club card which will identify you for special benefits available only to club members.

        Classic Club Benefits

• Two free boxes of checks when opening a checking account

• No fee for the first two Cashier's Checks per day

• No fee for the first two money orders per day

• $10.00 off wire transfer fee

• No membership fee when opening accounts for grandchildren (Parent or legal guardian must sign for child)

• Free membership gift when joining the Classic Club