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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!

Advantages of planning ahead
Planning ahead for retirement can help you make the most of your money for your future needs. The sooner you begin saving, the more your retirement funds will appreciate.
Company retirement plans
Most employers offer some sort of retirement savings options such as pension plans, four-oh-one-kay (401K) programs, and profit-sharing. These options may offer special tax advantages and contribution matching assets.
Fixed annuities
Fixed annuities are long term investment products underwritten by insurance companies. There are two types of fixed annuities; the single premium annuity, which is for lump sum investments, and the premium annuity, which allows multiple contributions in the investment.
Individual retirement accounts (IRA)
Individual Retirement Accounts, known as I.R.A.s, are one of many ways to financially prepare for retirement. Any money invested in an I.R.A. must come from earned income either through regular wages or freelance work.
Supplementing retirement benefits
Social security and other government retirement benefits should not be relied upon exclusively for retirement support. It is a good idea to begin early in planning for your retirement with a sound investment program.