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Member Benefits and Education

Members enjoy a host of insurance options and access to free financial education.

Identity theft is a constant threat for everyone. Most people assume that it could never happen to them, until it does. Anybody could become a victim, and that's why Pioneer has put in place additional measures to safeguard your account and our financial institution. That means your accounts are safe from the effects of identity theft, including credit report fraud and other types of account fraud.

Fully-Managed Identity Recovery - How It Works
 

credit cards stacked with a lock on topIf you or a family member suspects identity theft of any kind, from a missing or stolen credit card to a dangerous data breach, Pioneer has you covered. Simply contact Pioneer, and a representative will verify your information and securely submit your case to a Personal Recovery Advocate. 

Our trained and certified identity restoration professionals can take the following steps to help you and your loved ones, depending on your unique identity theft situation.

  • Assist you with the placement of fraud alerts at the three major credit bureaus
  • Provide access to credit reports from all three bureaus and review the reports with you to identify fraudulent activity
  • Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim
  • Activate credit monitoring during your recovery to help you watch for additional signs of abuse
  • Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, etc. as application, to address any misuse of official documentation of your identity
  • Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc
  • Follow up to make sure all wrongful activity is reversed and removed from your records
  • Work with local and federal law enforcement to try to stop the criminal or criminals who are using your identity
  • Activate other members of the recovery team to assist when necessary, including professional investigators and legal advisers. Click here for a general overview of this process
  • Provide 12 months of follow-up after your recovery is complete - to be sure you stay recovered

To offset the cost of security measures, a service charge of $1.99 per month will be debited from your checking account to fight identity theft and fraud. It will appear on your statement as "ID Theft Protection."

If you have any questions about how this fee pertains to you or your account, please visit your local branch or call us at (208) 587-3304. To review our terms for identity recovery services, click here

In maintaining a great relationship with our members, Pioneer Federal Credit Union wants to ensure that you and your money are protected. That's why we offer optional Term Life and Disability Loan protection.

Term Life Protection

Term life protection pays off the member's outstanding loan balance if he/she dies during the term of the loan. Single or joint coverage is available. With Term Life protection you won't burden family members with the responsibility of your obligations during such a difficult time.

Disability Protection

Disability protection makes your monthly loan payments should you become temporarily or permanently disabled due to sickness or accident. You can rest comfortably knowing your obligations are being met and your credit rating remains in good standing.

Involuntary Unemployment Protection

Losing your job unexpectedly can put you in a difficult situation, especially if you have outstanding loans. This protection can cover your payments for a set period of time during which you can find new employment.

For more information, contact one of our Financial Solutions Specialists at 208-587-3304 or visit your local branch.

The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by Pioneer nor an obligation of Pioneer. The insurance may lose value.

GAP Protection is a must have in today's world. Pioneer's GAP Protection is simple…GAP Protection will pay the difference between your primary insurance settlement and the payoff on your auto loan lease if your vehicle is stolen or damaged beyond repair.

Give yourself peace of mind, financial stability and the ability to finance or lease a new car with GAP coverage. Up to 125% Max LTV% (MSRP/NADA) will be covered. GAP is fully refundable if you cancel the protection within the first 60 days of your loan closing. To enroll today, please contact one of our member services representatives at 208-587-3304 or visit one of our 14 locations.

GAP Protection does not eliminate need for automobile insurance policy. Some Restrictions do apply.

Receive your GAP Quote

The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by Pioneer nor an obligation of Pioneer. The insurance may lose value.

Don't be left unprotected...The average family drives 18,000-20,000 miles per year. In this amount of time, your vehicle may be out of manufacturer's warranty in less than 2 years. Don't let the mechanics of your vehicle go unprotected during this critical period of ownership. Mechanical Breakdown Protection is just what it sounds like, protection of your engine, transmission, air conditioning, electrical system and much more. You may even be eligible for bumper to bumper protection. Take advantage of additional benefits such as vehicle rental, towing and trip intervention, tire and lockout service.

For more information, contact one of our member service representatives at 208-587-3304 or visit one of our 14 convenient locations.

Mechanical Breakdown Quote

The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by Pioneer nor an obligation of Pioneer. The insurance may lose value.

Save money on your auto insurance just by being a Pioneer member! By going with Travelers Auto and Home Insurance, you can save money every month on your car insurance, along with extra advantages like:

  • Special savings on auto, home, condo, and renters insurance
  • Money-saving discounts, like multi-policy
  • 24/7 claim reporting and customer service
  • Flexible repair options, such as access to convenient mobile glass providers.

To see how much you can save, call 800-842-5936 or visit their website.

An Offer for Our Greatest Assets... Members Like You.

Pioneer is committed to providing financial products and services to meet the needs and goals of each of our members. As one of our valued members, the following insurance plan is available to you to help protect your family when they need it most.

Accidental Death & Dismemberment (AD&D) Insurance

Our Gift To You: $1,000 of AD&D Insurance – At No Cost To You!

  • Up to $300,000 of Additional Coverage also available at affordable group rates
  • Family coverage
  • Online activation
  • No medical exam, no health questions
  • Guaranteed Acceptance for eligible members
  • Activate $1,000 of no cost to you AD&D insurance
  • Enroll in additional AD&D insurance
  • Download printable change forms (including beneficiary change forms)
  • Learn detailed plan information including: plan features, rates, eligibility, renewability, limitations and exclusions

Enroll Online

Or call Franklin Madison, the plan administrator, at (877) 309 - 6576, Mon-Fri, 9am to 5pm ET.

The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by Pioneer nor an obligation of Pioneer. The insurance may lose value.

During a visit to the hospital, your only concern should be getting better. Sadly, hospital visits, whether it’s an hour in the ER or a week in a bed, can get expensive, meaning you might be more worried about money rather than healing.

Pioneer members have access to a Hospital Accident Insurance Plan (HAP) that can supplement your current health insurance. HAP pays you cash for every day you spend in a hospital that is due to a covered accident.

The cash benefits of HAP includes:

  • Pays $900 per day for each day of hospitalization - up to 365 days for any one injury
  • Benefit is doubled to $1,800 for each day in Intensive Care Unit (ICU)
  • Pays $450 for hospital emergency room as outpatient visit within 72 hours of the accident

The really useful part of the HAP payout? It’s your money, meaning you can use it for whatever you want. That can include paying for groceries, medical bills, or put it back into your savings.

To learn more, call 1-877-517-0555 to connect with an agent and see how a hospital accident insurance plan can work for you.

The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by Pioneer nor an obligation of Pioneer. The insurance may lose value.

Pioneer is partnering with MedicareCU to bring Medicare insurance guidance to our members at no extra cost. If you are 65 or older and looking to enroll in Medicare, you can get the help you need.

Connect with Your Credit Union Medicare Advisor


Reach out to your Pioneer Medicare Advisor for assistance.

Advisor: Nicole Finamore
Book an Appointment

When You Can Enroll


You can enroll for Medicare during your Initial Enrollment Period (IEP), which begins 3 months before you turn 65 and last three more months after your birthday month. 

Enroll in Medicare during your first three months of your IEP. Waiting too long may lead to delayed coverage after turning 65.

Learn About Original Medicare


Medicare is made up of two parts, Part A and Part B. These parts are provided by the federal government. 

  • Medicare Part A: Part A helps cover costs of inpatient care from a hospital or similar healthcare facility. Most citizens get Part A without paying a monthly premium
  • Medicare Part B: Part B helps cover outpatient care like doctor visits and preventive screenings. Part B premiums are determined on when you enrolled in Medicare and your income.

Consider Private Medicare Plans and Medicare Supplemental Insurance


If you are looking for additional coverage and benefits for your Medicare, there are private insurance companies that offer more choices.

  • Medicare Advantage (Part C): Advantage, also called Part C, is an alternative to Original Medicare. These plans provide the same coverage as Parts A and B, but may contain additional benefits, like dental and vision care, or coverage for prescription drugs.
  • Medicare Part D: Part D helps pay for prescriptions drugs. This coverage is not part of Original Medicare. 
  • Medicare Supplement Insurance: Supplement insurance plans (Medigap) help cover some out-of-pocket expenses that Medicare Part A and B doesn't pay. Plan availability may vary from state to state.

For those getting Medicare, coverage for prescription drugs is important and should be considered. That may mean enrolling in Part D, or getting a Part C plan with more benefits included.

You must be enrolled in both Medicare Part A and B before you can join a private Medicare plan or a Medicare supplement insurance plan.

Enroll With the Right Plan


You are automatically enrolled in Original Medicare, Parts A and B, if you are getting Social Security benefits when you turn 65. You'll receive your Medicare card in the mail before your birthday. 

If you aren't, you can enroll yourself at your local Social Security office or at Medicare.gov

 

Medical insurance is useful for keeping a majority of health bills away in case of a hospital stay, but there is likely some bills that aren’t covered. On top of that, you need to pay for everything else in life too.

Pioneer members have access to a Recuperative Care Plan that can add supplemental health insurance coverage. You can get paid directly for every day you spend in a hospital, either for an injury or sickness.

The cash benefits of a Recuperative Care Plan includes:

  • Pays $200 a day for sickness recuperation in the hospital
  • Pays $400 a day for approved injury recuperation in the hospital

The great part: this money goes straight to you, meaning you can use it to cover whatever bills you have.

To learn more, call 877-629-6037 to connect with an agent and see how a Recuperative Care Plan can work for you.

The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by Pioneer nor an obligation of Pioneer. The insurance may lose value.

Partnering with LifeHelp, Pioneer can now help members find an affordable and reasonable life insurance for themselves and their family. With group term life insurance, your rates stay low for under $100K worth of coverage. 

Life insurance can help your loved ones keep financial stability and help with:

  • Covering funeral costs and final medical bills
  • Continue living in their home
  • Paying off outstanding debts and bills
  • Providing a financial safety net for your family

How LifeHelp Can Assist You

Picking the right life insurance plan is not simple, but LifeHelp's agents can make it easier. They'll conduct a thorough need analysis, shop different carriers, provide quotes and take applications - all at no cost for you. They can also provide online support for those that want to do their own research.  

Ready to learn more? Members can call LifeHelp at 1-800-345-4543, Monday thru Friday 6 AM to 3 PM PST or email them at MemberService@LifeHelp.com.

The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by Pioneer nor an obligation of Pioneer. The insurance may lose value.

GreenPath financial wellness

Pioneer is committed to serving our members. As a benefit of your membership, we provide you with free access to financial education and counseling services through GreenPath Financial Wellness.

As a member of Pioneer, GreenPath can help you learn:

  • Personal and family budgeting
  • Understanding your personal credit report and how to improve your score
  • Personal money management
  • Debt repayment
  • Avoiding bankruptcy, foreclosure, and repossession

Regardless of your financial needs and questions, GreenPath can provide answers and help to match your situation. Their counselors are available: 

  • Monday - Thursday, 8 AM to 10 PM (EST)
  • Friday, 8 AM to 7 PM
  • Saturday, 9 AM to 1 PM

To utilize this service, call 1-877-337-3399 or visit their website