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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! 

Apply for a Loan 

New Vehicles
Loan Term Rate as low as*
Up to 36 Months 2.24%
37 - 48 Months 2.44%
49 - 60 Months 2.65%
61 - 72 Months 2.84%
73 - 84 Months 3.04%

Example: a new vehicle loan at 2.84% APR with 72 monthly payments of $15.89 per $1,000 borrowed each month.

Used Vehicles
Loan Term Rate as low as*
Up to 36 Months 2.44%
37 - 48 Months 2.64%
49 - 60 Months 2.84%
61 - 72 Months 3.04%
73 - 84 Months 3.24%

Example: A used vehicle loan at 2.64% APR with 48 monthly payments of $23.08 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 12, 2021

*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 Recreational Vehicles
Loan Term Rate as low as*
Up to 36 Months 4.09%
37 - 48 Months 4.29%
49 - 60 Months 4.49%
61 - 72 Months 4.69%
73 - 84 Months 4.89%
85 - 96 Months 5.09%
97 - 120 Months 5.29%
121 - 144 Months 5.49%
145 - 180 Months 5.69%

Example: a new RV loan at 4.09% with 36 payments of $29.56 per month per $1,000 borrowed each month.

Used Recreational Vehicles
Loan Term Rate as low as*
Up to 36 Months 4.29%
37 - 48 Months 4.49%
49 - 60 Months 4.69%
61 - 72 Months 4.89%
73 - 84 Months 5.09%
85 - 96 Months 5.29%
97 - 120 Months 5.49%
121 - 144 Months 5.69%
145 - 180 Months 5.89%

Example: a used RV loan at 4.29% is 36 payments of $29.65 per month per $1,000 borrowed each month.

New Motorcycles
Loan Term Rate as low as*
Up to 36 Months 2.74%
37 - 48 Months 2.94%
49 - 60 Months 3.14%
61 - 72 Months 3.34%
73 - 84 Months 3.54%

Example: a new motorcycle loan at 2.74% with 36 payments of $28.97 per $1,000 borrowed each month

Used Motorcycles
Loan Term Rate as low as*
Up to 36 Months 2.94%
37 - 48 Months 3.14%
49 - 60 Months 3.34%
61 - 72 Months 3.54%
73 - 84 Months 3.74%

Example: a used motorcycle loan at 2.94% with 36 payments of $29.05 per $1,000 borrowed each month

Apply now or contact us by calling (208) 587-3304, stop by any of our 15 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 12, 2021

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 8.79%
25 - 36 Months 9.29%
37 - 48 Months 9.59%
49 - 60 Months 9.89%
61 - 72 Months 10.09%

Example: a signature loan at 8.79% with 24 monthly payments is $45.59 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 + 4%

Rates as of June 1, 2020.

*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+ 8.99%

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 July 22, 2019.

*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 APY Annual Percentage Yield
Regular Savings $300.00 0.05%
Super Star Saver Youth Account $25.00 0.15%
Special Purpose Savings $300.00 0.05%
Idaho Medical Savings $300.00 0.05%
Health Savings Account $100.00 0.05%
ChangeForward $0.00 0.05%
Money Market**
Minimum Balance Annual Percentage Yield
< $2,500 0.00%
$2,500 0.05%
$10,000 0.10%
$25,000 0.10%
$50,000 0.15%
$75,000 0.15%
$100,000 0.20%
$250,000 0.25%
$500,000 0.30%
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 June 1, 2022.

* 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 3.00%
WOW Cash Back Checking $0 0.00%
Classic Checking N/A 0.00%

Rates as of June 16,2022

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.

Apply for Membership

Senior Term Certificate (Age 55 and over on primary member)
Minimum Balance to Earn APY Dividend Rate APY
12 months
$10,000 & Over 0.15% 0.15%
$500 up to $10,000 0.15% 0.15%
18 Months
$10,000 & Over 0.20% 0.20%
$500 up to $10,000 0.20% 0.20%
24 Months
$10,000 & Over 0.30% 0.30%
$500 up to $10,000 0.30% 0.30%

Rates as of July 1, 2021.

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 Pioneer’s 15 branches, click on the Live Chat link on the right, or call us (208) 587-3304 today!

Open One Now!

Fixed Rate Term Certificates
Minimum Balance to Earn A.P.Y. Dividend Rate Annual Percentage Yield
*13 Months Special*
$10,000 & over 0.75% 0.75%
$500 to $10,000 0.75% 0.75%
*25 Months Special*
$10,000 & over 1.24% 1.25%
$500 to $10,000 1.24% 1.25%
*59 Months Special*
$10,000 & over 1.49% 1.50%
$500 to $10,000 1.49% 1.50%
12 Months
$10,000 & Over 0.15% 0.15%
$500 Up To $9,999 0.15% 0.15%
18 Months
$10,000 & Over 0.20% 0.20%
$500 Up To $9,999 0.20% 0.20%
24 Months
$10,000 & Over  0.30% 0.30%
$500 Up To $9,999 0.30% 0.30%
36 Months
$10,000 & Over 0.40% 0.40%
$500 Up To $9,999 0.40% 0.40%
48 Months
$10,000 & Over 0.50% 0.50%
$500 Up To $9,999 0.50% 0.50%
60 Months
$10,000 & Over 0.60% 0.60%
$500 Up To $9,999 0.60% 0.60%

Rates as of July 1, 2022. 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* 0.75% 0.75%
*25 Months Special* 1.24% 1.25%
*59 Months Special* 1.49% 1.50%
12 Months 0.15% 0.15%
18 Months 0.20% 0.20%
24 Months 0.30% 0.30%
36 Months 0.40% 0.40%
48 Months 0.50% 0.50%
60 Months 0.60% 0.60%
ROTH IRA
*13 Months Special* 0.75% 0.75%
*25 Months Special* 1.24% 1.25%
*59 Months Special* 1.49% 1.50%
12 Months 0.15% 0.15%
18 Months 0.20% 0.20%
24 Months 0.30% 0.30%
36 Months 0.40% 0.40%
48 Months 0.50% 0.50%
60 Months 0.60% 0.60%
Educational IRA
*13 Months Special* 0.75% 0.75%
*25 Months Special* 1.24% 1.25%
*59 Months Special* 1.49% 1.50%
12 Months 0.15% 0.15%
24 Months 0.20% 0.20%
36 Months 0.30% 0.30%
48 Months 0.50% 0.50%
60 Months 0.60% 0.60%
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%
Senior IRA Shares
All accounts require a minimum balance of $500 to earn APY
Term Dividend Rate APY*
Traditional IRA
12 months 0.15% 0.15%
18 months 0.20% 0.20%
24 months 0.30% 0.30%
ROTH IRA
12 months 0.15% 0.15%
18 months 0.20% 0.20%
24 months 0.30% 0.30%

Rates as of July 1, 2021. 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.