US Bank Directory
Banks in Pearl City, HI
7 FDIC-insured banks operate 7 offices in Pearl City, Hawaii, and 4 credit unions have 6 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Pearl City
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 11 banks and credit unions operate 13 locations in Pearl City, according to the FDIC and the NCUA. 13 of them have coordinates on record and are on the map. 8 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
13 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Pearl City
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 7 banks share the most locations in Pearl City, with 1 each. 7 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Hawaiiusa Credit Union Credit union · 2
Hawaiiusa Credit Union has 2 officees in Pearl City, 15 across Hawaii. It is based in Honolulu, HI and $2.67 billion in assets on March 31, 2026, according to its NCUA call report. All 2 of its Pearl City locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Virtual Branch1245 Kuala St, 96782
All hours
Mon to Sun 24 hours
Hours: NCUA, March 31, 2026
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Pearl City Branch1245 Kuala St Ste 101, 96782
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Lokahi Credit Union Credit union · 2
Lokahi Credit Union has 2 officees in Pearl City, 7 across Hawaii. It is based in Honolulu, HI and $709.3 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Pearl City locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office1260 Kuala St, 96782
All hours
Mon to Fri 7:45 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Pearl City1260 Kuala St, 96782
All hours
Mon to Fri 8:30 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
American Savings Bank Bank · 1
American Savings Bank has 1 branch in Pearl City, 35 across Hawaii and 35 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1987. With $9.05 billion in total assets on June 30, 2026, it ranks No. 180 of 4,232 U.S. banks by total assets. The Pearl City Branch at 850 Kamehameha Hwy dates to 1987 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Pearl City Branch850 Kamehameha Hwy, 96782
Bank of Hawaii Bank · 1
Bank of Hawaii has 1 branch in Pearl City, 47 across Hawaii and 48 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1897. With $23.81 billion in total assets on June 30, 2026, it ranks No. 91 of 4,232 U.S. banks by total assets. The Pearl City Branch at 850 Kamehameha Hwy dates to 1957 in FDIC branch records. It opens on Saturday.
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Pearl City Branch850 Kamehameha Hwy, 96782
All hours
Mon to Fri 8 am to 4 pm; Sat 9 am to 1 pm; Sun not published
Hours: Bank of Hawaii branch locator (All The Places), checked Oct 10, 2026
Bank of Hope Bank · 1
Bank of Hope has 1 branch in Pearl City, 29 across Hawaii and 78 nationwide. FDIC records list its main office in Los Angeles, CA and show it operating since 1986. With $18.99 billion in total assets on June 30, 2026, it ranks No. 110 of 4,232 U.S. banks by total assets. The Pearl City Branch at 850 Kamehameha Hwy dates to 2004 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Pearl City Branch850 Kamehameha Hwy, 96782
Central Pacific Bank Bank · 1
Central Pacific Bank has 1 branch in Pearl City, 27 across Hawaii and 27 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1954. With $7.50 billion in total assets on June 30, 2026, it ranks No. 210 of 4,232 U.S. banks by total assets. The Pearl Highlands Branch at 1030 Makolu St dates to 2007 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Pearl Highlands Branch1030 Makolu St, 96782
Finance Factors, Ltd. Bank · 1
Finance Factors, Ltd. has 1 branch in Pearl City, 13 across Hawaii and 13 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1952. With $683.7 million in total assets on June 30, 2026, it ranks No. 1,403 of 4,232 U.S. banks by total assets. The Pearl City Branch at 850 Kamehameha Hwy dates to 1967 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Pearl City Branch850 Kamehameha Hwy, 96782
First Hawaiian Bank Bank · 1
First Hawaiian Bank has 1 branch in Pearl City, 45 across Hawaii and 45 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1858. With $23.65 billion in total assets on June 30, 2026, it ranks No. 92 of 4,232 U.S. banks by total assets. The Pearl City Branch at 890 Kamehameha Hwy dates to 1961 in FDIC branch records. Its published hours do not list Saturday.
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Pearl City Branch890 Kamehameha Hwy, 96782
All hours
Mon to Fri 8:30 am to 4 pm; Sat to Sun closed
Hours: First Hawaiian Bank branch locator (All The Places), checked Oct 10, 2026
Hawaii Law Enforcement Credit Union Credit union · 1
Hawaii Law Enforcement Credit Union has 1 office in Pearl City, 4 across Hawaii. It is based in Honolulu, HI and $231.4 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Pearl City Gateway Branch1140 Kuala St, 96782
All hours
Mon to Tue 8:30 am to 5 pm; Wed not published; Thu to Fri 8:30 am to 5 pm; Sat 10 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Hawaii National Bank Bank · 1
Hawaii National Bank has 1 branch in Pearl City, 10 across Hawaii and 10 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1960. With $871.7 million in total assets on June 30, 2026, it ranks No. 1,177 of 4,232 U.S. banks by total assets. The Pearl City Branch at 98-1268 Kaahumanu St dates to 1997 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Pearl City Branch98-1268 Kaahumanu St, 96782
Hawaiian Financial Credit Union Credit union · 1
Hawaiian Financial Credit Union has 1 office in Pearl City, 10 across Hawaii. It is based in Honolulu, HI and $1.11 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Pearl City1131 Kuala St, 96782
All hours
Mon to Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Pearl City
4 credit unions have 6 offices here: Hawaiiusa Credit Union, Lokahi Credit Union, Hawaiian Financial Credit Union and Hawaii Law Enforcement Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Pearl City page has every office in the state's directory.
Banking in Pearl City: the local picture
Short answer: 7 banks run 7 branches in Pearl City according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 7 banks, 0 have their main office in Pearl City, 6 elsewhere in Hawaii and 1 out of state, according to the FDIC.
The bank with the longest record here is First Hawaiian Bank, operating since 1858 according to the FDIC. In FDIC branch records, the longest-running branch is Bank of Hawaii's office at 850 Kamehameha Hwy, dating to 1957; the newest is Central Pacific Bank's at 1030 Makolu St, from 2007.
4 credit unions have 6 offices in Pearl City, according to the NCUA. Who can join each one is on the credit unions page.
Of the 8 locations with published hours. 6 open on Saturday. 5 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Pearl City
Short answer: 6 of the 8 Pearl City locations with published hours open on Saturday, run by 5 institutions.
- Bank of Hawaii: 1 of 1 branch (850 Kamehameha Hwy: Saturday 9 am to 1 pm)
- Hawaiiusa Credit Union: 2 of 2 offices (1245 Kuala St: Saturday 24 hours, and 1 more)
- Lokahi Credit Union: 1 of 2 offices (1260 Kuala St: Saturday 9 am to 2 pm)
- Hawaiian Financial Credit Union: 1 of 1 office (1131 Kuala St: Saturday 9 am to 2 pm)
- Hawaii Law Enforcement Credit Union: 1 of 1 office (1140 Kuala St: Saturday 10 am to 2 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 5 of the 13 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Pearl City, and where the nearest one is if they do not.
Short answer: No branches in Pearl City: Chase, Wells Fargo, Bank of America, PNC Bank, U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO.
| Bank | In Pearl City | Nearest branch if none here |
|---|---|---|
| Chase | None | none in Hawaii |
| Wells Fargo | None | none in Hawaii |
| Bank of America | None | none in Hawaii |
| PNC Bank | None | none in Hawaii |
| U.S. Bank | None | none in Hawaii |
| Truist | None | none in Hawaii |
| Fifth Third Bank | None | none in Hawaii |
| Huntington | None | none in Hawaii |
| Regions Bank | None | none in Hawaii |
| TD Bank | None | none in Hawaii |
| BMO | None | none in Hawaii |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Pearl City to the nearest branch in Hawaii.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Pearl City residents like anyone else.
Banks near Pearl City
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Aiea (2 miles) and Waipahu (3 miles). Honolulu, 11 miles away, has the most banks nearby: 13.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Aiea, HI | 2 mi | 7 | 7 |
| Banks in Waipahu, HI | 3 mi | 5 | 7 |
| Banks in Mililani, HI | 5 mi | 5 | 5 |
| Banks in Ewa Beach, HI | 6 mi | 4 | 4 |
| Banks in Wahiawa, HI | 8 mi | 4 | 4 |
| Banks in Kapolei, HI | 9 mi | 5 | 5 |
| Banks in Kaneohe, HI | 11 mi | 5 | 6 |
| Banks in Honolulu, HI | 11 mi | 13 | 86 |
Bank branch openings and closings in Pearl City
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Pearl City between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Pearl City by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Pearl City offices.
Short answer: Bank of Hawaii is the largest bank with offices in Pearl City, with $23.81 billion in total assets on June 30, 2026, No. 91 among U.S. banks by total assets. First Hawaiian Bank is second with $23.65 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of Hawaii | $23.81 billion | No. 91 | 1 | Honolulu, HI |
| First Hawaiian Bank | $23.65 billion | No. 92 | 1 | Honolulu, HI |
| Bank of Hope | $18.99 billion | No. 110 | 1 | Los Angeles, CA |
| American Savings Bank | $9.05 billion | No. 180 | 1 | Honolulu, HI |
| Central Pacific Bank | $7.50 billion | No. 210 | 1 | Honolulu, HI |
| Hawaii National Bank | $871.7 million | No. 1,177 | 1 | Honolulu, HI |
| Finance Factors, Ltd. | $683.7 million | No. 1,403 | 1 | Honolulu, HI |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Pearl City: FAQ
How many banks are in Pearl City, HI?
Pearl City has 7 banks with 7 branches and 4 credit unions with 6 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Pearl City?
Bank of Hawaii, with 1. First Hawaiian Bank has 1 and Bank of Hope has 1.
Is there a Bank of Hawaii in Pearl City, HI?
Yes. FDIC data lists 1 Bank of Hawaii branch in Pearl City as of September 5, 2026. The address and directions are under Bank of Hawaii above.
Is there a First Hawaiian Bank in Pearl City, HI?
Yes. FDIC data lists 1 First Hawaiian Bank branch in Pearl City as of September 5, 2026. The address and directions are under First Hawaiian Bank above.
Is there a Bank of Hope in Pearl City, HI?
Yes. FDIC data lists 1 Bank of Hope branch in Pearl City as of September 5, 2026. The address and directions are under Bank of Hope above.
Which banks in Pearl City are open on Saturday?
Bank of Hawaii, Hawaiiusa Credit Union, Lokahi Credit Union and Hawaiian Financial Credit Union and 1 more publish Saturday hours for one or more Pearl City locations. The Saturday section above lists each one with its hours. 5 of the 13 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Pearl City?
First Hawaiian Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1858.
Which credit unions can I join in Pearl City?
Hawaiiusa Credit Union, Lokahi Credit Union, Hawaiian Financial Credit Union and Hawaii Law Enforcement Credit Union have offices in Pearl City. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Pearl City in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Pearl City?
Nearby cities with more banks include Aiea, Waipahu, Mililani. Aiea is 2 miles away with 7 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 6 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (2 of 7 branches: Bank of Hawaii, First Hawaiian Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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