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 Pioneer Federal Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Pioneer Federal Credit Union's 18 month Term CD rates are at 3.90%, 12 month Term CD rates are at 3.85%, 12 month IRA Term CD rates are at 3.75%, ROTH IRA Term CD 12 month rates are at 3.75%, 24 month Term CD rates are at 3.75%. Pioneer Federal Credit Union's savings rates are at 0.05%. 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 9.99%. Rates last updated and verified on 08/28/2026. 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. Pioneer Federal Credit Union
Mountain Home 250 W 3rd S
https://www.pioneerfcu.org Mountain Home, ID 83647 
Pioneer Federal Credit Union CD Rates
Pioneer Federal Credit Union Savings Rates
Pioneer Federal Credit Union Checking Rates
Pioneer Federal Credit Union Auto Loan Rates
Pioneer Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.99%
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
48
Money Market Shares
763
Net Income (unless the amount is already included in Undivided Earnings)
945,104
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
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
There are no reviews for Pioneer Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Pioneer Federal Credit Union
Frequently Asked Questions About Pioneer Federal Credit UnionHow 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. Current Pioneer Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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