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Pioneer Federal Credit Union

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Pioneer Federal Credit Union Rates & Review May 2026

Item: Pioneer Federal Credit Union
Rating: 9650
Author: fsRk

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 6, 2026

Pioneer Federal Credit Union's Personal Loan Rates are at 4.24%. MonitorBankRates evaluates the financial stability of Pioneer Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.77%. Rates were last updated on 05/06/2026.

Pioneer Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pioneer Federal Credit Union? Share your experience about Pioneer Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Pioneer Federal Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.77%

Excellent Higher than avg

Pioneer Federal Credit Union
Mountain Home

250 W 3rd S
Mountain Home, ID 83647

https://www.pioneerfcu.org

Pioneer Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking	-	4.00%
Details As High As Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%

Pioneer Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.24%
Details As Low As Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Pioneer Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Pioneer Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Pioneer Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Pioneer Federal Credit Union

Website https://www.pioneerfcu.org

Address 250 W 3rd S, Mountain Home, ID 83647

Phone 208-587-3304

Fax 208-587-6909

President Nathan Price

CEO Curt Perry

Full-Time Employees 183

Part-Time Employees 0

Branch Locations 14

ATM Locations 16

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.77%

Return on Assets (ROA)

0.4796%

Return on Equity (ROE)

4.9326%

Non-Performing Loans Ratio (NPL)

1.50%

Total Assets

736,116,706

Total Amount of Shares and Deposits

656,327,380

Total Shares and Deposits < 1 Year

628,703,733

Total Shares and Deposits 1 3 Years

26,359,423

Total Shares and Deposits > 3 Years

1,264,225

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

32,681,924

Total Uninsured Shares and Deposits > $250K (F+J)

32,681,924

Total Insured Shares and Deposits > $250K (item 17 less item K)

623,645,456

Total Interest Expense (Sum of items 6 8)

7,792,909

Share Certificates

3,746

Number of Accounts for Share Drafts

34,689

IRA KEOGH Accounts

943

Number of Accounts for Regular Shares

72,519

All other shares

4,198

Non Member Deposits

Money Market Shares

763

Net Income (unless the amount is already included in Undivided Earnings)

945,104

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

18,528,387

Total Liabilities

674,071,533

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

fsRk

★★★★★

December 17, 2025

UJjb

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Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Pioneer Federal Credit Union

Frequently Asked Questions About Pioneer Federal Credit Union

How many branches does Pioneer Federal Credit Union operate?

Pioneer Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Pioneer Federal Credit Union?

Yes, to access services at Pioneer Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Pioneer Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pioneer Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Pioneer Federal Credit Union offer online and mobile banking?

Most modern institutions like Pioneer Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pioneerfcu.org.