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Home Equity Loan Information

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Home Equity Loan
Provide loan information

Application Cancelled

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Application Cancelled

We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.


Applicant Information

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Tell Us About Yourself
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Contact Information
Current Physical Address
Property Address
Identification
Financial Information


Monthly Expenses


Expected Monthly Expense
Declaration
a. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?
b. Are you a party to a lawsuit?
c. Have you ever filed for bankruptcy or had a debt adjustment plan confirmed under chapter 13 in the past 10 years?
d. Have you had property foreclosed upon or given a deed in lieu of foreclosure in the last 7 years?
e. Are you a Co-maker, Co-signer or Guarantor on any loan?
Additional Information
Place of Birth
Do you consent to receive text messages from Pioneer regarding your account on the cell number provided?*
Place of Birth
Do you consent to receive text messages from Pioneer regarding your account on the cell number provided?*

Demographic Information

Why we collect demographic information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.

You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.

Sex (select all that apply)

Ethnicity (select all that apply)

Race (select all that apply)

Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Co/Joint Applicant Information

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About Your Additional Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Contact Information
Current Address
Identification
Identification
Financial Information


Monthly Expenses


Co/Joint Declarations
a. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?
b. Are you a party to a lawsuit?
c. Have you ever filed for bankruptcy or had a debt adjustment plan confirmed under chapter 13 in the past 10 years?
d. Have you had property foreclosed upon or given a deed in lieu of foreclosure in the last 7 years?
e. Are you a Co-maker, Co-signer or Guarantor on any loan?
Additional Information
Place of Birth
Do you consent to receive text messages from Pioneer regarding your account on the cell number provided?*
Place of Birth
Do you consent to receive text messages from Pioneer regarding your account on the cell number provided?*

Demographic Information

Why we collect demographic information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.

You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.

Sex (select all that apply)

Ethnicity (select all that apply)

Race (select all that apply)

Co-Driver's License Scan

close
Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Review and Submit

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Review and Submit
House Equity Loan Information
Additional Loan Information
Applicant Information
Reference Information
Applicant Contact Information
Address
Property Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
Eligibility

Because membership is required to take advantage of this wonderful loan product, please tell us how you qualify for membership.

I live, work, worship, or attend school in Ada, Blaine, Camas, Canyon, or Elmore County, Idaho.
I live, work, worship, volunteer in or participate in associations headquartered in Gooding, Jerome, or Twin Falls County, Idaho.
I am an employee of retail, wholesale, manufacturing, cooperative, industrial, or distribution establishments that are located in Adams, Gem, Owyhee, Payette, or Washington County, Idaho.
I am part of the Mountain Home Air Force Base Retirement Association.
I am a current member or have a family member who is eligible for membership.
If I am not approved for the above loan product,
Remove Product
Required Products
Select at least one of the following products required for membership
Pioneer Savings

*Required product for Pioneer Membership*

Whether you're saving for an emergency or a rainy day, you'll be prepared for surprise expenses. You can also earn dividends on higher balances.

APY: 0.05% Min Deposit: $25.00


You may select one of the following products
Available Products
Preferred Checking

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Min Deposit: $0.00

Reward U Checking

Do you like to keep a large balance in your checking account? Want to earn money every month on it? The Reward U Checking Account is the perfect fit.

You can earn 2.00% APY* on your average daily balance up to $10,000, and 0.25% APY on your average daily balance if your account exceeds $10,000

APY: 2.00% Min Deposit: $0.00

"WOW" Checking

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APY: 1.50% Min Deposit: $0.00

13 Month Special $10,000

APY: 0.55% Min Deposit: $10,000.00

13 Month Special $500

APY: 0.55% Min Deposit: $500.00 Max Deposit: $10,000.00

25 Month Special $10,000

APY: 0.60% Min Deposit: $10,000.00

25 Month Special $500

APY: 0.60% Min Deposit: $500.00 Max Deposit: $10,000.00

59 Month Special $10,000

APY: 0.95% Min Deposit: $10,000.00

59 Month Special $500

APY: 0.95% Min Deposit: $500.00 Max Deposit: $10,000.00

12 Month Certificate $10,000

APY: 0.15% Min Deposit: $10,000.00

12 Month Certificate $500

APY: 0.15% Min Deposit: $500.00 Max Deposit: $10,000.00

18 Month Certificate $10,000

APY: 0.30% Min Deposit: $10,000.00

18 Month Certificate $500

APY: 0.30% Min Deposit: $500.00 Max Deposit: $10,000.00

24 Month Certificate $10,000

APY: 0.40% Min Deposit: $10,000.00

24 Month Certificate $500

APY: 0.40% Min Deposit: $500.00 Max Deposit: $10,000.00

36 Month Certificate $10,000

APY: 0.50% Min Deposit: $10,000.00

36 Month Certificate $500

APY: 0.50% Min Deposit: $500.00 Max Deposit: $10,000.00

48 Month Certificate $10,000

APY: 0.60% Min Deposit: $10,000.00

48 Month Certificate $500

APY: 0.60% Min Deposit: $500.00 Max Deposit: $10,000.00

60 Month Certificate $10,000

APY: 0.70% Min Deposit: $10,000.00

60 Month Certificate $500

APY: 0.70% Min Deposit: $500.00 Max Deposit: $10,000.00

12 Month Senior $10,000

APY: 0.15% Min Deposit: $10,000.00

12 Month Senior $500

APY: 0.15% Min Deposit: $500.00 Max Deposit: $10,000.00

18 Month Senior $10,000

APY: 0.30% Min Deposit: $10,000.00

18 Month Senior $500

APY: 0.30% Min Deposit: $500.00 Max Deposit: $10,000.00

24 Month Senior $10,000

APY: 0.40% Min Deposit: $10,000.00

24 Month Senior $500

APY: 0.40% Min Deposit: $500.00 Max Deposit: $10,000.00

Money Market

Money Market Savings Accounts is a great option for holding your emergency fund because it will earn a higher dividend than regular savings while letting you respond to fluctuations in the investment market.

Special Purpose

Our Special Purpose savings account is a great tool for helping you plan and accumulate funds for those important reasons such as your holiday or vacation expenses.

APY: 0.05% Min Deposit: $0.00

Non-Interest Savings

This account is designed for members who do not wish to earn interest on their funds.

APY: -- Min Deposit: $0.00

Idaho Medical Savings

You can save for medical expenses or long-term care costs with an Idaho Medical Savings Account (MSA). The Idaho MSA allows you to save while reducing the amount of Idaho income tax you owe.

APY: 0.05% Min Deposit: $100.00

APY (Annual Percentage Yield)
Funding

Your funds will not be transferred until all of your accounts are approved.

How much do you want to deposit?
A minimum deposit of $0 in your Account is required to fund your Secured Credit Card. Please enter the amount that you wish to deposit and secure on your new card.

Please answer question(s) below
What prompted you to start an application for membership or other products and loans at Pioneer Federal Credit Union?
Does the mortgage payment you provided include your property taxes and insurance?*
If you selected the 'referral' or 'other' option, for what prompted you to start an application for membership, please provide further details.
Under penalties of perjury, I certify that the social security number or TIN provided by me on this application is my correct taxpayer ID number, and that (check the applicable box): 1) I am a U.S. Person (which includes Resident Alien), or 2) I am not a U.S. Citizen and agree to complete a W-8 or other applicable form.*
Under penalties of perjury, I certify that (check the applicable box):

(The Internal Revenue Service does not require your consent to any provision of this document other than the cerfification required to avoid backup withholding on your account).

*
Protection that Matters

Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products

Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?

Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.

Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?

MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.

Would you like more information about protecting your loan with GAP from your lender?

Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.

Would you like more information about Mechanical Repair Coverage from your lender?
Protection that Matters

Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products

Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?

Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.

Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?

MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.

Would you like more information about protecting your loan with GAP from your lender?

Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.

Would you like more information about Mechanical Repair Coverage from your lender?
Read, Sign and Submit

Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

Email Agreements & Disclosures
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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.