Borrowing & Loans

Local expertise for Capital Region municipalities
When it comes to municipal borrowing for capital purchases, government projects, construction, and community improvements, Pioneer can help. We've served local governments and municipalities for many years and remain committed to offering highly competitive rates and terms that will meet the needs of you, our customers.

Our goal is to be your preferred financial partner. As such, we strive to provide financing options and terms that fit your unique situation. We'll gladly come to your office to discuss your upcoming needs and assist you in every phase of the loan process.

Government Financing Options:

Short-Term Borrowing (up to 1 year)

  • Bond Anticipation Notes
  • Revenue Anticipation Notes
  • Tax Anticipation Notes

Mid-Long Term Borrowing (over 1 year)

  • Statutory Installment Bonds
  • Serial Bonds

Pioneer is a marketing name of Pioneer Commercial Bank, a wholly-owned subsidiary of Pioneer Bank, National Association. Products and services offered to municipal and government customers are offered through Pioneer Commercial Bank.

Pioneer Commercial Bank’s ABA Routing Number is 021313925.