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Routing # 324173383

Rates

Whether it’s new, used, private party or from a dealership, Pioneer can help get you into your dream vehicle today! Let us help you get the car you want with our quick and easy loan application. Pre-approvals are available! 

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New and Used Vehicles
Loan Term Rate as low as*
Up to 36 Months 4.49%
37 - 48 Months 4.69%
49 - 60 Months 5.89%
61 - 72 Months 6.09%
73 - 84 Months 6.29%

Example: A new vehicle loan at 6.09% APR with 72 monthly payments is $17.48 per $1,000 borrowed each month.

Apply now or contact us by calling (208) 587-3304, stop by any of our 14 convenient branches, or email us at pfcu@pioneerfcu.org. Please do not email sensitive information such as account numbers or Social Security Numbers.

Rates updated July 25, 2025

*Rate listed is our lowest and best rates. Your rate may be higher depending on credit history and underwriting criteria. Application fee may apply and will result in the annual percentage rate (APR) to be slightly higher than advertised rates. All loans are subject to credit approval. All rates are subject to change as a result of Board of Directors' action. Other conditons may apply.

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New and Used Recreational Vehicles
Loan Term Rate as low as*
Up to 36 Months 5.39%
37 - 48 Months 5.59%
49 - 60 Months 6.79%
61 - 72 Months 6.99%
73 - 84 Months 7.19%
85 - 96 Months 7.39%
97 - 120 Months 7.59%
121 - 144 Months 7.79%
145 - 180 Months 7.99%

Example: A new RV loan at 7.19% with 84 payments of $15.99 per month per $1,000 borrowed each month.

New Motorcycles
Loan Term Rate as low as*
Up to 36 Months 4.99%
37 - 48 Months 5.19%
49 - 60 Months 6.39%
61 - 72 Months 6.59%
73 - 84 Months 6.79%

Example: A new motorcycle loan at 4.99% with 36 payments of $31.50 per $1,000 borrowed each month

Apply now or contact us by calling (208) 587-3304, stop by any of our 14 convenient branches, or email us at pfcu@pioneerfcu.org. Please do not email sensitive information such as account or Social Security numbers.

Rates updated July 25, 2025

Rate listed is our lowest and best rates. Your rate may be higher depending on credit history and underwriting criteria. Application fee may apply and will result in the annual percentage rate (APR) to be slightly higher than advertised rates. All loans are subject to credit approval. All rates are subject to change as a result of Board of Directors' action. Other conditions may apply. 

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Term Rate as low as*
Up to 24 Months 10.79%
25 - 36 Months 11.29%
37 - 48 Months 11.59%
49 - 60 Months 11.89%
61 - 72 Months 12.09%

Example: a signature loan at 10.79% with 24 monthly payments is $49.00 per $1,000 borrowed each month

Apply now or contact us by calling (208) 587-3304, stop by any of our 14 convenient branches, or email us at pfcu@pioneerfcu.org. Please do not email sensitive information such as account or Social Security numbers.

Share and Term Certificate Secured Loans = Share or Certificate Annual Percentage Yield + 3%

Rates as of July 25, 2025.

*Rate listed is our lowest and best rates. Your rate may be higher depending on credit history and underwriting criteria. Application fee may apply and will result in the annual percentage rate (APR) to be slightly higher than advertised rates. All loans are subject to credit approval. All rates are subject to change as a result of Board of Director's action. Other conditions may apply.

Apply for a Credit Card

Limit Rate as low as*
$300+ 10.99%

Apply now or contact us by calling (208) 587-3304, stop by any of our 14 convenient branches, or email us at pfcu@pioneerfcu.org. Please do not email sensitive information such as account or Social Security numbers.

Rates as of September 16, 2024.

*Rate listed is our lowest and best rates. Your rate may be higher depending on credit history and underwriting criteria. Application fee may apply and will result in the annual percentage rate (APR) to be slightly higher than advertised rates. All loans are subject to credit approval. All rates are subject to change as a result of Board of Directors' action. Other conditions may apply.

Open a Savings Account

Savings Accounts**
Type Of Account Minimum Balance to Earn Dividends* Annual Percentage Yield
Regular Savings $300.00 0.05%
Super Star Youth Savings $25.00 0.15%
Special Purpose Savings $300.00 0.10%
Loyalty Savings $0.00 5.00%
Idaho Medical Savings $300.00 0.05%
Health Savings Account $100.00 0.05%
ChangeForward $0.00 0.05%
High Yield Savings**
Minimum Balance Annual Percentage Yield
< $2,500 0.50%
$2,500 0.80%
$10,000 1.10%
$25,000 1.40%
$50,000 1.70%
$75,000 2.10%
$100,000 2.50%
$250,000 3.00%
$500,000 3.50%
$1,000,000 4.00%
Compounding & Crediting Monthly
Dividend Period Monthly
Daily Balance Computation Method Applies a daily periodic rate to the daily balance each day
Minimum Balance to Earn Dividends $2,500.00

Rates as of September 2, 2025.

* Minimum balance to avoid service fee. Rates subject to change by Board of Directors' action and may change after the account is opened. APY = Annual Percentage Yield, assuming dividend remains on deposit. Fees could reduce the earnings on any account, only if they are associated with that specific account.

** Minimum balance to avoid service fee. Rates subject to change by Board of Directors' action and may change after the account is opened. A penalty may be imposed for early withdrawal. APY = Annual Percentage Yield, assuming dividend remains on deposit. Fees could reduce the earnings on any account, only if they are associated with that specific account.

Open a Checking Account Today

Checking Accounts
Type Of Account Minimum Balance
to Earn Dividends		 APY*
Reward U Checking $0 4.00%
WOW Cash Back Checking $0 0.00%
Classic Checking N/A 0.00%

Rates as of June 16, 2022

Minimum balance to open Classic Checking is $25.00.

*APY = Annual Percentage Yield. Please note that the rate may change after account opening. Fees could reduce the earnings on any account (applies only if fees are associated with the account.)

For more information, refer to the Service Charges & Fees brochure received at account opening.

Are you looking for a higher dividend rate on your savings? Consider investing in a Pioneer Federal Fixed Term Certificate! We offer a variety of rates and terms to meet your savings needs. Term Certificates are a great investment vehicle if you want long term savings with stable, secure results. The sooner you start saving, the sooner you reach your financial goals. Stop by any of Pioneer’s branches, click on the Live Chat link on the right, or call us (208) 587-3304 today!

Open One Now!

Fixed Rate Term Certificates
All accounts require a minimum balance of $500 to earn APY*
Term Dividend Rate APY*
6 Months 3.69% 3.75%
12 Months 3.83% 3.90%
18 Month 3.74% 3.80%
24 Months 3.64% 3.70%
36 Months 3.54% 3.60%
48 Months 3.45% 3.50%
60 Months 3.35% 3.40%

Rates as of 10/17/25. Rates are subject to change. 

APY = Annual Percentage Yield, assuming dividend remains on deposit. Certificates are subject to penalty for early withdrawal. Fees could reduce the earnings on any account, only if they are associated with that specific account. 

 

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IRA Term Certificate Rates
All accounts require a minimum balance of $500 to earn APY*
Term Dividend Rate APY*
6 Months 3.69% 3.75%
12 Months 3.83% 3.90%
18 Month 3.74% 3.80%
24 Months 3.64% 3.70%
36 Months 3.54% 3.60%
48 Months 3.45% 3.50%
60 Months 3.35% 3.40%
Money Market IRA Rates
IRA Money Market Tiers Rate
Less than $2,500 .10%
$2,500 to $9,999 .20%
$10,000 to $24,999 .30%
$25,000 to $49,999 .40%
$50,000 to $74,999 .50%
$75,000 to $99,999 .60%
$100,000 to $249,999 .70%
$250,000 to $499,999 .85%
$500,000 and over 1.00%

Money Market IRAs are not charged a $15 yearly admin fee. $10 minimum balance fee for balances below $2,500

 

IRA Rates
All accounts require a minimum balance of $100 to earn APY
IRA Type Dividend Rate APY*
IRA Savings 0.35% 0.35%
ROTH IRA Savings 0.35% 0.35%
ROTH Conversion 0.35% 0.35%
Health Savings 0.05% 0.05%
ROTH IRA Term Certificate Rates
All accounts require a minimum balance of $500 to earn APY*
Term Dividend Rate APY*
6 Months 3.69% 3.75%
12 Months 3.83% 3.90%
18 Months 3.74% 3.80%
24 Months 3.64% 3.70%
36 Months 3.54% 3.60%
48 Months 3.45% 3.50%
60 Months 3.35% 3.40%
Educational IRA Term Certificate Rates
All accounts require a minimum balance of $500 to earn APY*
Term Dividend Rate APY*
6 Months 4.02% 4.10%
12 Months 3.93% 4.00%
18 Months 3.83% 3.90%
24 Months 3.74% 3.80%
36 Months 3.64% 3.70%
48 Months 3.54% 3.60%
60 Months 3.45% 3.50%

Rates as of 10/17/25. IRA rates are subject to change.  IRA term certificate rates are set at date of purchase.

IRA, Roth, Coverdell Yearly Admin Fee: $15.00 per IRA.

APY = Annual Percentage Yield, assuming dividend remains on deposit. Certificates are subject to penalty for early withdrawal. Fees could reduce the earnings on any account, only if they are associated with that specific account. Rates are subject to change.