Pioneer Federal Credit Union High-Yield Savings & Money Market Rates

How Pioneer Federal Credit Union’s savings 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
1.35%APY
Minimum
—
Earns on $10,000 a year
$135
High Yield Savings Account
Top rate
America First Credit Union
3.95%APY
Minimum
$0
Earns on $10,000 a year
$395
America First Credit Union rates
2nd-highest rate
WaFd Bank
3.82%APY
Minimum
$0
Earns on $10,000 a year
$382
WaFd Bank rates

Compare savings rates near you →

Savings score

Higher than 82% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.60%
$10,000 balance$10,0001.35%
$100,000 balance$100,0002.75%
QualifiedQualified1.35%

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.

How the score works →

Where Pioneer Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Loyalty Savings

5.00%APY

Earns 5.00% APY on funds in Loyalty Savings account. Cannot deposit funds manually; qualified accounts automatically transfer dividends, round-ups, or cash back into Loyalty Savings monthly. Dividend period is monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance requirements to open or earn dividends. Rates on variable accounts could change after account opening. Fees may reduce earnings.Any balance	5.00%	$500	No minimum balance requirements to open or earn dividends. Rates on variable accounts could change after account opening. Fees may reduce earnings.

Sources (2)

All captured Oct 22, 2026

High Yield Savings Account

Up to 1.35%APY

Must maintain a minimum daily balance of $2,500 to earn dividends. Compounding & Crediting is monthly. Dividend Period is monthly. Daily Balance Computation Method applies a daily periodic rate to the daily balance each day.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Balance tier < $2,500.	0.60%	—	Balance tier < $2,500.
$2,500 and upBalance tier $2,500.	1.00%	$100	Balance tier $2,500.
$10,000 and upBalance tier $10,000.	1.35%	$135	Balance tier $10,000.
$25,000 and upBalance tier $25,000.	1.70%	—	Balance tier $25,000.
$50,000 and upBalance tier $50,000.	2.05%	—	Balance tier $50,000.
$75,000 and upBalance tier $75,000.	2.40%	—	Balance tier $75,000.
$100,000 and upBalance tier $100,000.	2.75%	—	Balance tier $100,000.
$250,000 and upBalance tier $250,000.	3.10%	—	Balance tier $250,000.
$500,000 and upBalance tier $500,000.	3.60%	—	Balance tier $500,000.
$1,000,000 and upBalance tier $1,000,000.	4.10%	—	Balance tier $1,000,000.

Sources (2)

All captured Oct 22, 2026

Explorer Savings

0.15%APY

Minimum balance to earn dividends is $25.00. Rates subject to change by Board of Directors' action.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upMinimum balance to earn dividends is $25.00.$25 and up	0.15%	$15	Minimum balance to earn dividends is $25.00.

Sources (1)

pioneerfcu.org/Rates · captured Oct 22, 2026

Special Purpose Savings

0.10%APY$25 to open

Dividend period is monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$300 and upMinimum balance to earn dividends is $300.00. Rates on variable rate accounts could change after account opening. Fees may reduce earnings.$300 and up	0.10%	$10	Minimum balance to earn dividends is $300.00. Rates on variable rate accounts could change after account opening. Fees may reduce earnings.

Sources (2)

All captured Oct 22, 2026

ChangeForward Savings Account

0.05%APY

Rounds up purchase made with a Pioneer debit card to next dollar and puts the change into the Change Forward savings account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum balance to earn dividends is $0.00.Any balance	0.05%	$5	Minimum balance to earn dividends is $0.00.

Sources (2)

All captured Oct 22, 2026

Idaho Medical Savings Account

0.05%APY$25 to open

Saves while reducing Idaho income tax owed. Dividend period is monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$300 and upMinimum balance to earn dividends is $300.00. Rates on variable rate accounts could change after account opening. Fees may reduce earnings.$300 and up	0.05%	$5	Minimum balance to earn dividends is $300.00. Rates on variable rate accounts could change after account opening. Fees may reduce earnings.

Sources (2)

All captured Oct 22, 2026

Pioneer Savings Account

0.05%APY$25 to open

Dividend period is monthly. Also listed as Regular Savings.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$300 and upMinimum balance to earn dividends is $300.00. Rates on variable accounts could change after account opening. Fees may reduce earnings.$300 and up	0.05%	$5	Minimum balance to earn dividends is $300.00. Rates on variable accounts could change after account opening. Fees may reduce earnings.

Sources (2)

All captured Oct 22, 2026

Special-purpose accounts

Money Market IRA

1.36%APYIRA

Money Market IRAs are not charged a $15 yearly admin fee. $10 minimum balance fee for balances below $2,500

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500$10 minimum balance fee for balances below $2,500; no $15 yearly admin fee	0.60%	—	$10 minimum balance fee for balances below $2,500; no $15 yearly admin fee
$2,500 – $9,999No $15 yearly admin fee	1.01%	—	No $15 yearly admin fee
$10,000 – $24,999No $15 yearly admin fee	1.36%	$136	No $15 yearly admin fee
$25,000 – $49,999No $15 yearly admin fee	1.71%	—	No $15 yearly admin fee
$50,000 – $74,999No $15 yearly admin fee	2.07%	—	No $15 yearly admin fee
$75,000 – $99,999No $15 yearly admin fee	2.43%	—	No $15 yearly admin fee
$100,000 – $249,999No $15 yearly admin fee	2.79%	—	No $15 yearly admin fee
$250,000 – $499,999No $15 yearly admin fee	3.15%	—	No $15 yearly admin fee
$500,000 and upNo $15 yearly admin fee	3.67%	—	No $15 yearly admin fee

Sources (1)

pioneerfcu.org/Rates · captured Oct 15, 2026

IRA High Yield Savings

1.35%APYIRA

Money Market IRAs are not charged a $15 yearly admin fee. $10 minimum balance fee for balances below $2,500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Balance tier Less than $2,500.	0.60%	—	Balance tier Less than $2,500.
$2,500 – $9,999Balance tier $2,500 to $9,999.	1.00%	—	Balance tier $2,500 to $9,999.
$10,000 – $24,999Balance tier $10,000 to $24,999.	1.35%	$135	Balance tier $10,000 to $24,999.
$25,000 – $49,999Balance tier $25,000 to $49,999.	1.70%	—	Balance tier $25,000 to $49,999.
$50,000 – $74,999Balance tier $50,000 to $74,999.	2.05%	—	Balance tier $50,000 to $74,999.
$75,000 – $99,999Balance tier $75,000 to $99,999.	2.40%	—	Balance tier $75,000 to $99,999.
$100,000 – $249,999Balance tier $100,000 to $249,999.	2.75%	—	Balance tier $100,000 to $249,999.
$250,000 – $499,999Balance tier $250,000 to $499,999.	3.10%	—	Balance tier $250,000 to $499,999.
$500,000 and upBalance tier $500,000 and over.	3.60%	—	Balance tier $500,000 and over.

Sources (1)

pioneerfcu.org/Rates · captured Oct 22, 2026

IRA Savings

0.35%APYIRA

All accounts require a minimum balance of $100 to earn APY. Covers IRA Savings, ROTH IRA Savings, ROTH Conversion. Annual Fee: $15.00 per IRA.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upAll accounts require a minimum balance of $100 to earn APY.$100 and up	0.35%	$35	All accounts require a minimum balance of $100 to earn APY.

Sources (1)

pioneerfcu.org/Rates · captured Oct 22, 2026

Super Star Savings

0.15%APYKids and teens$25 to open

Designed for members 17 and under. Co-signer required for all Super Star Savings accounts. Dividend period is monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upMinimum balance to earn dividends is $25.00. Rates on variable rate accounts could change after account opening. Fees may reduce earnings.$25 and up	0.15%	$15	Minimum balance to earn dividends is $25.00. Rates on variable rate accounts could change after account opening. Fees may reduce earnings.

Sources (1)

pioneerfcu.org/Personal/Youth/Youth-Savings · captured Oct 22, 2026

Health Savings Account

0.05%APYHSA

Contributions to HSA are tax-free. Minimum balance requirement to open/maintain account is $0.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upMinimum balance to earn dividends is $100.00. Rates on variable rate accounts could change after account opening. Fees may reduce earnings.$100 and up	0.05%	$5	Minimum balance to earn dividends is $100.00. Rates on variable rate accounts could change after account opening. Fees may reduce earnings.

Sources (2)

All captured Oct 22, 2026

Uniform Transfer to Minors

0.05%APYKids and teens$25 to open

Owned by minor, but managed by custodian (parent, grandparent, guardian, or family member) until minor reaches age 21 under Idaho state law. Dividend period is monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upMinimum balance to earn dividends is $25.00. Rates on variable rate accounts could change after account opening. Fees may reduce earnings.$25 and up	0.05%	$5	Minimum balance to earn dividends is $25.00. Rates on variable rate accounts could change after account opening. Fees may reduce earnings.

Sources (1)

pioneerfcu.org/Personal/Youth/Youth-Savings · captured Oct 22, 2026

Who can join Pioneer Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details

← Pioneer Federal Credit Union overview

How Pioneer Federal Credit Union’s savings rates compare

Pioneer Federal Credit Union savings score

Current savings rates

Loyalty Savings

High Yield Savings Account

Explorer Savings

Special Purpose Savings

ChangeForward Savings Account

Idaho Medical Savings Account

Pioneer Savings Account

Special-purpose accounts

Money Market IRA

IRA High Yield Savings

IRA Savings

Super Star Savings

Health Savings Account

Uniform Transfer to Minors

Who can join Pioneer Federal Credit Union