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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of today. Rates Subject to Change. Fees May Reduce Earnings. Accrual of Dividends: For all accounts, dividends will begin to accrue on the business day you deposit the cash and/or non-cash items (e.g. checks) to your account. For all accounts, if you close your account before accrued dividends are credited; accrued dividends will not be paid.

Share Savings Learn More

Balance APY
$0 - $24,999.99 0.02%
$25,000 - $49,999.99 0.04%
$50,000 - $74,999.99 0.06%
$75,000 - $99,999.99 0.08%
$100,000 - $149,999.99 0.15%
$150,000 - $249,999.99 0.25%
$250,000+ 0.35%

Share Accounts Learn More

Account Minimum to Earn Dividends APY
Free Checking $500 0.05%
Second Chance Checking1 $500 0.05%
Christmas Club $0 0.10%
Vacation Club $0 0.10%
"You Choose" Savings $0 0.10%
IRA Accounts $0 0.45%

 

 

1 The purpose of the Second Chance checking is to offer those members who do not qualify for a non-fee checking the ability to have the service. The product will be offered to our members who currently have a beacon score of less than 550 and did not get approved through Chex Systems. Second Chance Checking comes with a $12 monthly service fee. Direct deposit is required. There will not be a fee the month the account is opened to allow the member time to set up the direct deposit.

Truth In Savings Disclosure

Money Market Learn More

Balance Minimum to Earn Dividends APY
$0.00 - $24,999.99 $500 0.15%
$25,000.00 - $49,999.99 $500 0.20%
$50,000.00 - $74,999.99 $500  0.25%
$75,000.00 - $99,999.99 $500  0.30%
$100,000.00 - $149,999.99 $500  0.35%
$150,000.00 - $249,999.99 $500  0.40%
$250,000.00+ $500  0.45%

Certificates Learn More

Term Standard Certificate
($500 - $99,999.99)
Jumbo Certificate
($100,000 - $249,999.99)
Jumbo Plus Certificate
($250,000+)
3 months 0.15% 0.15% 0.15%
6 months 0.20% 0.23% 0.25%
12 months 0.35% 0.45% 0.55%
18 months 0.40% 0.55% 0.70%
24 months 0.55% 0.73% 0.90%
30 months 0.60% 0.75% 0.90%
36 months 0.75% 0.98% 1.20%
48 months 0.90% 1.13% 1.36%
60 months 1.10% 1.50% 1.90%

Early withdrawal penalties: For Fixed Share Certificate Accounts, members agree to keep funds on deposit for a fixed period of time. Unless otherwise provided, partial withdrawals and additional deposits are not permitted. If we permit an early withdrawal of principal from a certificate, we may impose an early withdrawal penalty. Tax penalties also may apply to premature distributions from IRAs. If we permit a withdrawal of principal before the stated maturity, we may impose a penalty equal to six months of dividends payable over the term of the certificate whether earned or unearned. The penalty will be assessed based upon the portion of the principal that is withdrawn. We may elect not to impose a penalty for a withdrawal of principal following the death or adjudication of incompetence of any account owner if the account was opened before such adjudication and not extended or renewed after that date.

Truth In Savings Disclosure

IRA Certificates Learn More

Term APY
36 months 0.70%
48 months 0.90%
60 months 1.10%

Early withdrawal penalties: For Fixed Share Certificate Accounts, members agree to keep funds on deposit for a fixed period of time. Unless otherwise provided, partial withdrawals and additional deposits are not permitted. If we permit an early withdrawal of principal from a certificate, we may impose an early withdrawal penalty. Tax penalties also may apply to premature distributions from IRAs. If we permit a withdrawal of principal before the stated maturity, we may impose a penalty equal to six months of dividends payable over the term of the certificate whether earned or unearned. The penalty will be assessed based upon the portion of the principal that is withdrawn. We may elect not to impose a penalty for a withdrawal of principal following the death or adjudication of incompetence of any account owner if the account was opened before such adjudication and not extended or renewed after that date.

Truth In Savings Disclosure

Credit Cards Learn More

Type APR
Visa® Credit Card as low as 6.95%

The APR shown above reflects the current minimum Annual Percentage Rate offered. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, and aggregate credit score. Variable Rate The ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of the billing cycle to reflect any change in the index and will be determined by the Prime Rate as of the last day of the previous month as published in the Wall Street Journal "Money Rates" table to which we add a margin. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the credit union will choose a new index which is based upon comparable information. Please contact one of our financial advocates to determine the rate and term for which you qualify. Rates may change without notice. Foreign transaction fees may apply. Not all applicants will qualify.

Your Financial Compass For Life

We refinanced a new vehicle with Pioneer and were able to save money on monthly payments and overall interest. Over $1140.
By the end of my appointment, I consolidated two of my credit cards saving me over $5,000. Amazing!
Pioneer was a big help with refinancing our vehicles. We are saving over $200 a month on our payments and saved over $4000 in interest in just one auto!
My financial advocate was knowledgeable, polite and friendly. Banking at Pioneer has been a blessing.
I came to Pioneer in desperate need of a loan for a complex situation... They took the smartest approach to save money in interest.
They took 2 years off our loan term when we refinanced, saving us over $1400 in interest.
I was able to do a balance transfer to my Pioneer credit card from my Chase credit card and dropped my interest rate from 15% to 6.70%.
...not only did Pioneer save me $1,716.24 in interest, but they saved me $351 on a GAP warranty... Pioneer was fantastic!
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