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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 562nd largest credit union in the nation. It was established in 1954 and as of March of 2024, it had grown to 185 employees and 49,993 members at 15 locations. Pioneer Federal Credit Union's CD rates are 5X the national average, and it has a C+ 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
C+

Data as of Q1 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #9247
Year Chartered1954
Employees185
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD3.96%
Annual Interest Income$8.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$754MM$753.1MM
LoansQ1 2024vs Q1 2023$520.5MM$545MM
DepositsQ1 2024vs Q1 2023$660.6MM$696.5MM
Equity CapitalQ1 2024vs Q1 2023$50.8MM$48.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$5.3MM$5.1MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$7.2MM$2.3MM
Real Estate OwnedQ1 2024vs Q1 2023$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%$0-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%$0-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% → $0 - $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% → $0 - $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
3.70%$0$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
4.25%*$10k*-18 Month CD Special
OTHER TIERS: 4.00% → $500 - $10k
3.55%*$10k*-26 Month CD Special
OTHER TIERS: 3.25% → $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
4.25%$500-18 Month CESA IRA Special
4.25%$500-18 Month IRA Traditional Special
4.25%$500-18 Month Roth IRA Special
3.55%$500-26 Month IRA Traditional Special
3.55%$500-26 Month Roth IRA Special
3.55%$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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