Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

Pearl Hawaii Federal Credit Union

Waipahu, HawaiiCredit UnionSan Francisco Fed districtFees collected Oct 8, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Monthly Service Fee$0Below the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Non-Sufficient Fund (Item Paid)$30Within the typical range ($25–$33 nationally)
At the national median$5 above the Hawaii median
per item · Source
Non-Sufficient Funds$30Within the typical range ($25–$32 nationally)
At the national median$5 above the Hawaii median
per item · Source

Check ServicesVerified

Stop Payment Order on Credit Union Check$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$5 above the Hawaii median
per item · Source
Temporary Checks$2Within the typical range ($1–$4 nationally)
At the national medianAt the Hawaii median
per item · Source
Check Cashing- Members$0Below the typical range ($5–$10 nationally)
$5 below the national median$5 below the Hawaii median
Source
Copy of Checks$3Within the typical range ($2–$5 nationally)
At the national medianAt the Hawaii median
per item · Source

Cash & DepositVerified

Free coin sorting services$0Within the typical range ($0–$3 nationally)
At the national median
per day · Source
Deposited Checks Returned$25Within the typical range ($8–$25 nationally)
$10 above the national median$10 above the Hawaii median
per item · Source

Account ServicesVerified

3x10 Annual Rental Fee$50Within the typical range ($30–$70 nationally)
$5 above the national median$3.75 below the Hawaii median
per year · Source
5x10 Annual Rental Fee$75Above the typical range ($30–$70 nationally)
$30 above the national median$21.25 above the Hawaii median
per year · Source
Levy$50Within the typical range ($30–$90 nationally)
At the national medianAt the Hawaii median
Source
Services of Legal Process$50Within the typical range ($30–$100 nationally)
At the national medianAt the Hawaii median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Monthly Service Fee	$0Below the typical range ($4–$10 nationally)	$6 below the national median$5.50 below the Hawaii median	per month	—	Source
Early Closure Penalty	$0Below the typical range ($10–$25 nationally)	$17.50 below the national median$25 below the Hawaii median	one time	—	Source
Coin Deposits: Bad Address Locator Fee	$5Below the typical range ($11.38–$25 nationally)	$12.50 below the national median$10 below the Hawaii median	per item	—	Source
Statement Reconciliation	$25Within the typical range ($11.38–$25 nationally)	$7.50 above the national median$10 above the Hawaii median	—	—	Source
Overdraft & NSFVerified
Non-Sufficient Fund (Item Paid)	$30Within the typical range ($25–$33 nationally)	At the national median$5 above the Hawaii median	per item	—	Source
Non-Sufficient Funds	$30
ATM & CardVerified
Replacement (lost) ATM/Debit Card	$15Above the typical range ($5–$10 nationally)	$5 above the national median$5 above the Hawaii median	per item	—	Source
Check ServicesVerified
Stop Payment Order on Credit Union Check	$30Within the typical range ($20–$30 nationally)	$2.50 above the national median$5 above the Hawaii median	per item	—	Source
Temporary Checks	$2
Digital & ElectronicVerified
Bill Payment	$0Within the typical range ($0–$9.95 nationally)	$2.50 below the national median$5.98 below the Hawaii median	—	—	Source
Cash & DepositVerified
Free coin sorting services	$0Within the typical range ($0–$3 nationally)	At the national median	per day	—	Source
Deposited Checks Returned	$25Within the typical range ($8–$25 nationally)
Account ServicesVerified
3x10 Annual Rental Fee	$50Within the typical range ($30–$70 nationally)	$5 above the national median$3.75 below the Hawaii median	per year	—	Source
5x10 Annual Rental Fee	$75

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

18 verified fees collected

Headline fees published

6 of 15

Published fees

Under review

Assets

$545.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$545.1M

Total deposits

$488.1M

Service charge income (year to date)

$1.0M

Fee income ratio

7.0%

Return on assets

1.34%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,783 published fee entries from 3,612 institutions

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