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Rates

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

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New Vehicles
Loan Term APR* as low as
0-36 Months 3.29%
37-48 Months 3.59%
49-60 Months 3.79%
61-72 Months 3.89%
73-84 Months 3.99%
Used Vehicles: 2012-2017
Loan Term APR* as low as
0-36 Months 3.29%
37-48 Months 3.59%
49-60 Months 3.79%
61-72 Months 3.89%
73-84 Months 3.99%
Used Vehicles: 2009-2011
Loan Term APR* as low as
0-36 Months 3.29%
37-48 Months 3.59%
49-60 Months 3.79%
61-72 Months 3.89%
73-84 Months 3.99%

For example, a new vehicle loan at 3.29% APR with 36 monthly payments of $29.21 per $1,000 borrowed or a used vehicle loan at 3.59% APR with 60 monthly payments of $18.23 per $1,000 borrowed.

For rates on vehicles made before 2009, please 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 as of August 1, 2017.

*Annual Percentage Rate (APR) is accurate as of publication date and is subject to change. APR is based on qualified credit. Application fee may apply. All loans 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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New Recreational Vehicles
Age of Vehicle Loan Term APR as low as*
2016 - 2017 0 - 120 months 3.59%
For example, an RV loan at 3.09% is 36 payments of $29.12 per month per $1,000 financed.
Used Recreational Vehicles
Age of Vehicle Loan Term APR as low as*
2012 - 2017 0 - 120 months 3.59%
2009 - 2011 0 - 120 months 3.59%
For example, an RV loan at 3.59% is 36 payments of $29.34 per month per $1,000 financed.
New Motorcycles
Age of Vehicle Loan Term APR as low as*
2016 - 2017 0 - 84 months 3.99%
For example, a new motorcycle loan at 3.99% for 36 payments of $29.52 per $1,000 financed and 4.69% for 60 payments of $18.73 per $1,000 financed.
Used Motorcycles
Age of Vehicle Loan Term APR as low as*
2012 - 2017 0 - 84 months 3.99%
2009 - 2011 0 - 84 months 3.99%
For example, a new motorcycle loan at 3.99% for 36 payments of $29.52 per $1,000 financed and 4.69% for 60 payments of $18.73 per $1,000 financed.

For rates on recreational vehicles or motorcycles made before 2009, please 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.

*Annual Percentage Rate (APR) is accurate as of August 1, 2017. APR is based on qualified credit. Application fee may apply. All loans 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 APR* as low as
24 months 8.29%
36 months 8.79%
48 months 9.09%
60 months 9.39%
72 months 9.59%

For example, a signature loan at 8.29% is 24 payments of $45.36 per month per $1,000 financed. A signature loan at 9.39% is 60 payments of $20.95 per month per $1,000 financed.

Rates as of August 1, 2017.

*Annual Percentage Rate (APR) is accurate as of publication date and is subject to change. APR is based on qualified credit. Application fee may apply. All rates are based on an evaluation of credit history, so your rate may vary. All loans 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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Credit Limit Term APR* as low as
$300+ Open Ended 8.99%

Rates as of August 1, 2017.

*APR = Annual Percentage Rate. Application fee may apply. All rates are subject to change as a result of Board of Directors' action. All rates are based on an evaluation of credit history, so your rate may vary. All loans subject to credit approval. Other conditions may apply.

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Savings Accounts*
Type Of Account Minimum Balance to Earn APY Annual Percentage Yield
Regular Savings $300.00 0.05%
Super Star Saver Youth Account $25.00 0.15%
Special Purpose Savings $300.00 0.10%
Idaho Medical Savings $300.00 0.20%
Health Savings Account $100.00 0.20%
ChangeForward $0.00 0.05%
Money Market**
Minimum Balance Annual Percentage Yield
< $2,500 0.05%
$2,500 0.10%
$10,000 0.15%
$25,000 0.20%
$50,000 0.25%
$75,000 0.30%
$100,000 0.35%
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 July 11, 2017.

* 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.

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Checking Accounts
Type Of Account Minimum Balance
to Earn Dividends		 APY*
Reward U Checking $0 2.00%
"WOW" Checking $0 1.50%
Preferred Checking N/A 0.00%

Rates as of October 1, 2016

Minimum balance to open Preferred 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.

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Senior Term Certificate (Age 55 and over on primary member)
Minimum Balance to Earn APY Dividend Rate APY
12 months
$10,000 & Over 0.25% 0.25%
$500 up to $10,000 0.20% 0.20%
18 Months
$10,000 & Over 0.35% 0.35%
$500 up to $10,000 0.30% 0.30%
24 Months
$10,000 & Over 0.40% 0.40%
$500 up to $10,000 0.35% 0.35%

Rates as of November 18, 2016.

APY = Annual Percentage Yield

Certificate rates are subject to change during the calendar month. $5 redemption fee will apply to all withdrawals of principal. Organizations and business accounts don't qualify for Senior Term Certificates. Ask a Member Service Representative for a complete disclosure sheet.

Fees could reduce the earnings on any account, only if they are associated with that specific account.

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 PFCU’s 14 branches, click on the Live Chat link above, or call us (208) 587-3304 today!

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Fixed Rate Term Certificates
Minimum Balance to Earn A.P.Y. Dividend Rate Annual Percentage Yield
**13 Months Special**
$10,000 & Over 1.54% 1.55%
$500 Up To $9,999 1.54% 1.55%
**25 Months Special**
$10,000 & Over 1.79% 1.80%
$500 Up To $9,999 1.79% 1.80%
12 Months
$10,000 & Over 0.35% 0.35%
$500 Up To $9,999 0.25% 0.25%
18 Months
$10,000 & Over 0.45% 0.45%
$500 Up To $9,999 0.35% 0.35%
24 Months
$10,000 & Over 0.50% 0.50%
$500 Up To $9,999 0.40% 0.40%
36 Months
$10,000 & Over 0.85% 0.85%
$500 Up To $9,999 0.75% 0.75%
48 Months
$10,000 & Over 1.14% 1.15%
$500 Up To $9,999 1.05% 1.05%
60 Months
$10,000 & Over  1.29% 1.30%
$500 Up To $9,999 1.19% 1.20%

Rates as of July 11, 2017. 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*
Traditional IRA
**13 Months Special** 1.54% 1.55%
**25 Months Special** 1.79% 1.80%
12 Months 0.35% 0.35%
18 Months 0.45% 0.45%
24 Months 0.50% 0.50%
36 Months 0.85% 0.85%
48 Months 1.14% 1.15%
60 Months 1.29% 1.30%
ROTH IRA
**13 Months Special** 1.54% 1.55%
**25 Months Special** 1.79% 1.80%
12 Months 0.35% 0.35%
18 Months 0.45% 0.45%
24 Months 0.50% 0.50%
36 Months 0.85% 0.85%
48 Months 1.14% 1.15%
60 Months 1.29% 1.30%
Educational IRA
**13 Months Special** 1.54% 1.55%
**25 Months Special** 1.79% 1.80%
12 Months 0.35% 0.35%
18 Months 0.45% 0.45%
24 Months 0.50% 0.50%
36 Months 0.85% 0.85%
48 Months 1.14% 1.15%
60 Months 1.29% 1.30%
IRA Rates
All accounts require a minimum balance of $100 to earn APY
IRA Type Dividend Rate APY*
IRA Savings 0.45% 0.45%
ROTH IRA Savings 0.45% 0.45%
Coverdell Education IRA Savings 0.45% 0.45%
ROTH Conversion 0.45% 0.45%
Health Savings 0.20% 0.20%
Senior IRA Shares
All accounts require a minimum balance of $500 to earn APY
Term Dividend Rate APY*
Traditional IRA
12 months 0.25% 0.25%
18 months 0.35% 0.35%
24 months 0.40% 0.40%
ROTH IRA
12 months 0.25% 0.25%
18 months 0.35% 0.35%
24 months 0.40% 0.40%

Rates as of November 18, 2016. 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.