Credit union · NCUA insured
Pioneer Federal Credit Union CD Rates
Top CarrotPioneer Federal Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Pioneer Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Boise City, ID, where Pioneer Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Pioneer Federal Credit Union
4.25%APY
- Term
- 24 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $868
Term Certificate
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,522
Pioneer Federal Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.85%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Pioneer Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Certificate
Up to 4.25%APY · 7 terms
All Pioneer Term Certificates qualify for a one-time rate bump if rates go up during the term of that certificate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance of $500 to earn APY; early withdrawal penalty applies | 4.00% | $198 |
| 12 monthsMinimum balance of $500 to earn APY; early withdrawal penalty applies | 4.15% | $415 |
| 18 monthsMinimum balance of $500 to earn APY; early withdrawal penalty applies | 4.20% | $637 |
| 24 monthsMinimum balance of $500 to earn APY; early withdrawal penalty applies | 4.25% | $868 |
| 36 monthsMinimum balance of $500 to earn APY; early withdrawal penalty applies | 3.85% | $1,200 |
| 48 monthsMinimum balance of $500 to earn APY; early withdrawal penalty applies | 3.75% | $1,587 |
| 60 monthsMinimum balance of $500 to earn APY; early withdrawal penalty applies | 3.65% | $1,963 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Term Certificate
Up to 4.05%APY · 7 terms
IRA, Roth, Coverdell Yearly Admin Fee: $15.00 per IRA. Certificates are subject to penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 3.90% | $193 |
| 12 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 4.00% | $400 |
| 18 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 4.05% | $614 |
| 24 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 3.95% | $806 |
| 36 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 3.85% | $1,200 |
| 48 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 3.75% | $1,587 |
| 60 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 3.65% | $1,963 |
Sources (2)
All captured Oct 22, 2026
ROTH IRA Term Certificate
Up to 4.05%APY · 7 terms
IRA, Roth, Coverdell Yearly Admin Fee: $15.00 per IRA. Certificates are subject to penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 3.90% | $193 |
| 12 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 4.00% | $400 |
| 18 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 4.05% | $614 |
| 24 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 3.95% | $806 |
| 36 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 3.85% | $1,200 |
| 48 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 3.75% | $1,587 |
| 60 monthsRequires minimum balance of $500 to earn APY. $15.00 yearly admin fee per IRA | 3.65% | $1,963 |
Sources (2)
All captured Oct 22, 2026
Who can join Pioneer Federal Credit Union
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