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Pioneer Federal Credit Union


Overview / Commentary
www.pioneerfcu.org
208-587-3304
250 W 3rd S
Mountain Home, ID 83647

Pioneer Federal Credit Union is headquartered in Mountain Home and is the 5th largest credit union in the state of Idaho. It is also the 561st largest credit union in the nation. It was established in 1954 and as of December of 2023, it had grown to 176 employees and 50,245 members at 15 locations. Pioneer Federal Credit Union's CD rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Pioneer Federal Credit Union is open to individuals who live, work, worship, or attend school in Ada, Blaine, Camas, Canyon, Elmore, Gooding, Jerome, or Twin Falls Counties in Idaho. Employees of retail, wholesale, manufacturing, cooperative, industrial, and distribution establishments located in Adams, Gem, Owyhee, Payette, and Washington Counties in Idaho also qualify for membership. Members of the Mountain Home Air Force Base Retirement Association are also eligible.
See current membership details

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Health
B

Data as of Q4 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #9247
Year Chartered1954
Employees176
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD5.95%
Annual Interest Income$29.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$746.2MM$740.3MM
LoansQ4 2023vs Q4 2022$530.7MM$552.8MM
DepositsQ4 2023vs Q4 2022$654MM$667.6MM
Equity CapitalQ4 2023vs Q4 2022$50.6MM$47.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$5.2MM$5.2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$5.2MM$3.2MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Pioneer Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%--Loyalty Savings
0.35%$100-IRA Savings
0.35%$100-Roth IRA Savings
0.35%$100-Roth Conversion IRA Savings
0.15%$25-Super Star Saver Youth Account
0.05%$300-Regular Savings
0.05%$300-Idaho Medical Savings
0.05%$100-Health Savings Account
0.05%--ChangeForward
0.05%$300-Special Purpose Savings
0.05%$100-IRA Health Savings

Pioneer Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$500k*-IRA Money Market
OTHER TIERS: 0.10% → Up to $2.5k | 0.20% → $2.5k - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $50k | 0.50% → $50k - $75k | 0.60% → $75k - $100k | 0.70% → $100k - $250k | 0.85% → $250k - $500k
0.35%*$500k*-Money Market
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $50k | 0.15% → $50k - $75k | 0.20% → $75k - $100k | 0.25% → $100k - $250k | 0.30% → $250k - $500k

Pioneer Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%-$10kReward U Checking - Qualifying

Pioneer Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.85%*$10k*-8 Month CD Special
OTHER TIERS: 4.70% → $500 - $10k
4.70%*$10k*-12 Month CD Special
OTHER TIERS: 4.50% → $500 - $10k
4.60%*$10k*-18 Month CD Special
OTHER TIERS: 4.35% → $500 - $10k
4.20%*$10k*-26 Month CD Special
OTHER TIERS: 3.95% → $500 - $10k
2.50%*$10k*-60 Month CD
OTHER TIERS: 2.25% → $500 - $10k
2.25%*$10k*-48 Month CD
OTHER TIERS: 2.00% → $500 - $10k
2.00%*$10k*-36 Month CD
OTHER TIERS: 1.75% → $500 - $10k
1.75%*$10k*-24 Month CD
OTHER TIERS: 1.50% → $500 - $10k
1.50%*$10k*-18 Month CD
OTHER TIERS: 1.25% → $500 - $10k
1.00%*$10k*-6 Month CD
OTHER TIERS: 0.75% → $500 - $10k

Pioneer Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.85%$500-8 Month CESA IRA Special
4.85%$500-8 Month IRA Traditional Special
4.85%$500-8 Month Roth IRA Special
4.70%$500-12 Month Traditional IRA Special
4.70%$500-12 Month Roth IRA Special
4.70%$500-12 Month CESA IRA Special
4.60%$500-18 Month CESA IRA Special
4.60%$500-18 Month IRA Traditional Special
4.60%$500-18 Month Roth IRA Special
4.20%$500-26 Month IRA Traditional Special
4.20%$500-26 Month Roth IRA Special
4.20%$500-26 Month CESA IRA Special
2.50%$500-60 Month CESA
2.50%$500-60 Month Roth IRA
2.50%$500-60 Month Traditional IRA
2.25%$500-48 Month CESA
2.25%$500-48 Month Roth IRA
2.25%$500-48 Month Traditional IRA
2.00%$500-36 Month CESA
2.00%$500-36 Month Roth IRA
2.00%$500-36 Month Traditional IRA
1.75%$500-24 Month Traditional IRA
1.75%$500-24 Month Roth IRA
1.75%$500-24 Month CESA
1.50%$500-18 Month Traditional IRA
1.50%$500-18 Month Roth IRA
1.50%$500-18 Month CESA
1.25%$500-12 Month Traditional IRA
1.25%$500-12 Month Roth IRA
1.25%$500-12 Month CESA
1.00%$500-6 Month Traditional IRA
1.00%$500-6 Month Roth IRA
1.00%$500-6 Month CESA
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