Mortgages & Home Equities

  • Competitive Rates
  • Pioneer has the right loan for you with terms to fit your individual needs

Home Loan Rates



Are you planning to buy, build, or refinance? Would you like to finish some home improvements or use your equity to consolidate bills, or pay for education or wedding expenses? Pioneer has the right loan for you with terms to fit your individual needs. We service loans up to 15 years right here at the credit union. Any mortgage loans over 15 years, we currently work with LenderLive and will be service released so that we may offer that service to you, our members. We hope to soon offer loans up to 30 years where we collect taxes, insurance and service so that you may continue to work with your branch and make payments locally. 

Contact any Member Service Representatives at your local branch or call 208-580-5626 and start your application today!

  • Pioneer Insurance Agency, a division of Pioneer Financial Services, L.L.C., is an independent insurance agency committed to client satisfaction and forming relationships that last a lifetime. For more information and a free home owner's insurance quote, please visit
PFCU Home Loans
Home Loan Amount Financed Term Rates as low as          
1st Mortgage

Up to 80% LTV**

Up to 15yrs 3.875%          
Annual Percentage Rate (A.P.R.)*** 4.173%          
1st Mortgage 80.1% to 85% LTV** Up to 15yrs 4.000%          
Annual Percentage Rate (A.P.R.)*** 4.298%          
2nd Mortgage Up to 80% LTV** Up to 15yrs 4.375%          
Annual Percentage Rate (A.P.R.)*** 4.674%          
2nd Mortgage 80.1% to 90% LTV** Up to 15yrs 5.000%          
Annual Percentage Rate (A.P.R.)*** 5.300%          
HELOC Freedom Line 90% LTV** Draw 8yrs, Amort 18yrs 4.00%          
Annual Percentage Rate (A.P.R.)*** 4.00%          
Construction Loans and Investment Properties Call for details      

Rates as of February 2015

* HELOC rates are based on 3.25% Prime rate +/- margin with a floor rate of 4.00% as published in the Wall Street Journal. Loan to value price adjustments apply. The maximum APR that may be imposed is 18%  Rates subject to credit approval. Second homes are assigned the regular rate, with a maximum loan to value of 70%.  Additional fees may apply. The margin is determined by the borrower’s creditworthiness. Any loan fee that is a percentage of the credit limit under the plan and an estimate of any other fees imposed for opening the plan, stated as a single dollar amount or a reasonable range. 

**LTV is Loan to Value

***Annual Percentage Rate (APR) is accurate as of publication date and is subject to change. APR is based on qualified credit and are subject to credit approval. For example, a 1st mortgage at 4.192% will have 180 payments of $7.49 per thousand borrowed and a 2nd mortgage at 5.066% will have 180 payments is $7.94 per thousand borrowed. The payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment obligation will be greater. Other conditions may apply. Application fee may apply. 

 All loans on approved credit and require application and membership.