We are banking, but with oomph! Banking doesn't have to be blah. WE AREN'T LIKE MOST PLACES We treat your well earned money l ... ike its... well... yours! Our members are our friends and family. We are famous for creating products when people need it- from low rate auto loans, to creating a payday loan solution to save Oahu's people from predatory lenders, and with helping members in duress by letting them finance over their home's value when the market crashed... and... oh! We also gave emergency loans and deferred loan payments to help our members who were furloughed. Regardless of the hardship- we have been there for you! WE CHANGE LIVES Community is important to us. We sing carols to seniors during the holidays, hold free car washes and green events, actively engage Hawaii's children through plays and activities to promote financial literacy and... well... At Pearl Hawaii Federal Credit Union we are about finding solutions to help each member. Pearl Hawaii Federal Credit Union (PHFCU) has provided the families of Oahu with personalized and friendly banking services since 1937. We have served generations with quality financial solutions, and we are committed to upholding the highest standards within the banking industry. read more