Limited-Time CD Specials
Lock in a guaranteed return with a Pioneer CD
Choose the CD term that fits your goals and start earning today.
Certificates of Deposit (CDs) are a safe, secure way to grow your savings at a fixed rate, so you know exactly what you’ll earn when your CD matures. Whether you’re saving for something soon or planning a little further ahead, our new promotional CD rates give you options that work for your timeline.
Current CD Specials:
6-Month CD at
3.85% APY*
12-Month CD at
3.00% APY*
Why CDs?
- Guaranteed Growth: Lock in your rate for the entire term.
- Simple & Secure: One-time deposit, no market fluctuations.
- Flexible Options: Choose the term that works for your goals.
How to Get Started:
Stop into any one of our 21 branches.
Open a CD with a deposit of $500 or more.
Relax and watch your savings grow.
Frequently Asked Questions about CDs
A certificate of deposit account (CD) is an interest-bearing time deposit where money stays in an account for a specific period of time, during which it may not be withdrawn. CDs are available in various term lengths.
CD account interest rates are often higher than traditional savings accounts, making them a great option for reaching your savings goals faster using money that you don’t need immediately.
Are there any fees to open or maintain a certificate of deposit?
There are no fees to open or obtain the APY on a certificate of deposit.
What’s the minimum opening deposit for a CD?
There's a $500 minimum deposit to open a CD.
What is the penalty for an early withdrawal from my CD?
| CD Term Length in Months | Penalty Days for Early Withdrawal |
|---|---|
| > 0 and < 12 | 90 |
| > 12 and < 36 | 180 |
| > 36 | 365 |
Can I add money to my CD at any time?
No. Once you open and fund your CD, you can't add funds again until your CD matures.
What happens to my CD at maturity?
You have a 7-calendar day grace period starting on your maturity date to:
- Change the term
- Make any additional deposits or withdraw funds
- Close the CD
What happens when my CD renews?
Unless you have selected a different CD term or closed your CD, your CD will renew at the same term and the rate will be determined at the end of the 7-calendar day grace period. Check our current rates.
Still have questions? Reach out to our Customer Care team at 518.730.3000.
*Annual Percentage Yield (APY). APY is effective as of 9/9/25.
**Minimum opening balance of $500. No minimum balance is required to earn the stated APY after account is opened. Rates may change prior to account opening. A penalty will or may be imposed for early withdrawal. APY assumes funds remain on deposit until maturity. Fees may reduce earnings.