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Rates

The following rates are applicable to Personal and Business products, only. Municipal clients may contact a Pioneer representative for current rates on Government products.

Deposit Rates

Savings**Interest RateAPY*
Passbook Savings
Minimum opening deposit - $50
0.05% 0.05%
Statement Savings
Minimum opening deposit - $25
0.05% 0.05%

*Annual Percentage Yield. APY is accurate as of 8/16/20. Fees may reduce earnings. All rates are variable and may change after consummation.
**Minimum balance of $100 required to avoid monthly service charge of $1.00. No minimum balance required to earn interest. All rates are variable and may change after consummation.

Pinnacle Money Market**Balance RangeAPY*
Tier I $0.00 to $2,499.99 0.05%
Tier II $2,500.00 to $9,999.99 0.05%
Tier III $10,000.00 to $24,999.99 0.05%
Tier IV $25,000.00 to $49,999.99 0.10%
Tier V $50,000.00 to $99,999.99 0.10%
Tier VI $100,000.00 to $499,999.99 0.10%
Tier VII $500,000.00 to $999,999.99 0.10%
Tier VIII $1,000,000.00 and up 0.15%

* Annual Percentage Yield. APY is accurate as of 8/16/20. Fees may reduce earnings.
**Minimum opening balance of $1,000. All rates are variable and may change after consummation.

Certificates of Deposits**Interest RateAPY*
12 months 0.25% 0.25%
18 months 0.30% 0.30%
24 months 0.30% 0.30%
36 months 0.40% 0.40%
Other terms available Contact a branch for additional rates  

* Annual Percentage Yield. APY is accurate as of 8/16/20.
**Minimum opening balance of $500. Rates may change prior to account opening. A penalty will or may be imposed for early withdrawal.

Unsecured Home Improvement Loan

Unsecured Home Improvement LoanRateAPR*Monthly Payment Per $1,000.00 Borrowed
12 months 9.000% 9.000% $87.45
24 months 9.000% 9.000% $45.68
36 months 9.000% 9.000% $31.80
48 months 9.000% 9.000% $24.89
60 months 9.000% 9.000% $20.76
Other terms available Contact a branch for additional rates    

*Annual Percentage Rate. Interest rates are subject to change without notice. Minimum loan - $10,000.00; Maximum loan - $25,000.00. Minimum term - 12 months; Maximum term - 120 months.

Unsecured Personal Loan

Unsecured Personal LoanRateAPR*Monthly Payment Per $1,000.00 Borrowed
12 months 8.000% 8.000% $86.99
24 months 8.000% 8.000% $45.23
36 months 8.000% 8.000% $31.34
48 months 8.000% 8.000% $24.41
60 months 8.000% 8.000% $20.28

*Annual Percentage Rate. Interest rates are subject to change without notice. Minimum loan - $2,000.00; Maximum loan - $10,000.00. Minimum term - 12 months; Maximum term - 60 months.

Secured Personal Loan

Secured Personal LoanRateAPR*Monthly Payment Per $1,000.00 Borrowed
12 months 5.500% 5.500% $58.01
24 months 5.500% 5.500% $44.10
36 months 5.500% 5.500% $30.20
48 months 5.500% 5.500% $23.26
60 months 5.500% 5.500% $19.10

*Annual Percentage Rate. Interest rates are subject to change without notice. Minimum loan - $2,000.00. Minimum term - 18 months; Maximum term - 60 months.

Fixed Home Equity

Fixed Home Equity - 1st LienRateAPR*
5 Years 3.25% 3.25%
10 Years 3.5% 3.5%
15 Years 3.75% 3.75%
20 Years 3.875% 3.875%
Fixed Home Equity - 2nd LienRateAPR*
5 Years 4.875% 4.875%
10 Years 5.125% 5.125%
15 Years 5.375% 5.375%
20 Years 5.575% 5.575%

*Annual Percentage Rate. APR is accurate as of today's date. Minimum loan - $5,000.00. Interest rates are subject to change without notice. If secured by a first lien on a dwelling, payments do not include taxes and insurance and the actual payment obligation will be higher.

Pioneer Bank NMLS ID#612446.
For a list of Pioneer Bank NMLS licensed representatives, click here.

Pioneer Gives Back

Pioneer Gives Back

The Pioneer Bank Foundation is committed to "helping kids be kids" by giving to local charitable organizations in our communities that focus on the health and welfare of children.

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