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Banking & Finance Guide

Helpful Links From Pioneer Credit Union

  • HOME EQUITY LOANS
    Home values have decreased. It’s a troubling statistic but you can keep your home’s value rising by making improvements to your bathroom, kitchen or basement with a home equity loan from Pioneer Credit Union. You can also consolidate debt, pay off bills, or tackle some of those home repairs you’ve been putting off.

  • CHA CHING! CHECKING
    It’s like finding $10 every month in your checking account! If you find yourself with a fist full of ATM receipts, this is the account for you. Pioneer reimburses your fees no matter what ATM machine you use.

  • PREVENT PHISHING ATTACKS
    Phishing is an attempt to criminally and fraudulently acquire sensitive information, such as usernames, passwords and credit card details, by masquerading as a trustworthy entity in an electronic communication. Learn how to protect yourself from this cyber threat.

  • THE SKINNY ON MORTGAGES
    Pioneer Credit Union offers a variety of loan options to choose from including fixed-rate and adjustable-rate mortgages. View today's rates, get a quote, or view their list of helpful links. And a Loan Officer is never more than a call or email away.

  • DO THE MATH.. USE OUR CALCULATOR!
    Unsure about what you can afford, how often you should make payments, or what's the best term for your loan? Do the math here on Pioneer Credit Union's calculators.

  • PIONEER CREDIT UNION
    Pioneer Credit Union is a not-for-profit financial cooperative. This means our members who have accounts also own the credit union and any profits are returned to the members in the form of higher interest rates on savings, lower rates on loans, and reduced fees on services. We don’t have stockholders demanding higher and higher profits. Go ahead, shop and compare, you’ll find going bankless is the right thing!

Certificates of deposit
A certificate of deposit, known as a C.D., is a type of deposit available from various financial institutions. A C.D. requires that you deposit a sum of money for a guaranteed period of time.
Checking and savings accounts
You have probably already opened a savings or checking account, or even both, at some point in your life. However, by doing a bit of research you can make sure you are saving money and earning the highest interest rates available from your financial institution.
Choosing a bank
When choosing a bank, take into consideration both personal convenience and what fees the bank charges. First, try to choose a bank that is very convenient to your home, or office, or both.
General mortgage information
A mortgage is a pledge of property to secure the repayment of a debt. A lender will ask you for specific information regarding your source of income, the assets you own, and the debts you owe.
Getting cash when you're away from home
Perhaps the easiest way to get cash when you are away from home is by using an automated teller machine. Today, most financial institutions offer automated teller machine, or ATM (A-T-M), cards that give you immediate access to the money you have available in your checking or savings account.
Safe deposit box
A safe deposit box is a locked compartment at a bank that can be rented month to month for a fee. Safe deposit boxes are ideal places to keep original documents such as birth certificates, marriage licenses, and stock certificates, which can be difficult or time-consuming to replace.