Checking Accounts
| Product | APY* | Interest Rate | Minimum Daily Balance to obtain APY* | Minimum to open |
|---|---|---|---|---|
| Regular Savings | 0.30% | 0.300% | $50.00 | $25.00 |
| FSB4Life (0-18yrs) Savings | 0.95% | 0.950% | $0.00 | $10.00 |
| Christmas Club Savings | 2.70% | 2.700% | $0.00 | $25.00 |
| Vacation Club Savings | 2.95% | 2.950% | $0.00 | $25.00 |
| GoGreen Checking | 0.01% | 0.010% | $0.00 | $100.00 |
| Go Green Bonus Rate** | 0.95%** | 0.964%** | $0.00 | $100.00 |
| Interest Checking | 0.05% | 0.050% | $0.00 | $500.00 |
| Super Interest Checking | 0.20% | 0.200% | $0.00 | $1,500.00 |
| Pioneer Interest Checking | 0.30% | 0.300% | $0.00 | $2,500.00 |
Product
Regular Savings
0.30%
FSB4Life (0-18yrs) Savings
0.95%
Christmas Club Savings
2.70%
Vacation Club Savings
2.95%
GoGreen Checking
0.01%
Go Green Bonus Rate**
0.95%**
Interest Checking
0.05%
Super Interest Checking
0.20%
Pioneer Interest Checking
0.30%
APY*
Regular Savings
0.300%
FSB4Life (0-18yrs) Savings
0.950%
Christmas Club Savings
2.700%
Vacation Club Savings
2.950%
GoGreen Checking
0.010%
Go Green Bonus Rate**
0.964%**
Interest Checking
0.050%
Super Interest Checking
0.200%
Pioneer Interest Checking
0.300%
Interest Rate
Regular Savings
$50.00
FSB4Life (0-18yrs) Savings
$0.00
Christmas Club Savings
$0.00
Vacation Club Savings
$0.00
GoGreen Checking
$0.00
Go Green Bonus Rate**
$0.00
Interest Checking
$0.00
Super Interest Checking
$0.00
Pioneer Interest Checking
$0.00
Minimum Daily Balance to obtain APY*
Regular Savings
$25.00
FSB4Life (0-18yrs) Savings
$10.00
Christmas Club Savings
$25.00
Vacation Club Savings
$25.00
GoGreen Checking
$100.00
Go Green Bonus Rate**
$100.00
Interest Checking
$500.00
Super Interest Checking
$1,500.00
Pioneer Interest Checking
$2,500.00
These accounts have a variable rate feature that may be changed at our discretion. If balance of account falls below minimum, you may not obtain the disclosed APY*. Fees may reduce the earnings on the account.
*Annual Percentage Yield
**Conditions: When ALL of the following conditions are met, you will earn the higher interest rate. 10 PIN-POS debit card transactions that post in the statement cycle 1 Direct Deposit that posts in the statement cycle 2 Auto Payments such as insurance, phone bill, etc. Bill pay transactions are no longer valid.
Rates Effective: February 1st, 2025
NEW! Pioneer Peak Money Market
| TIER | DAILY BALANCE RANGE | APY* | INTEREST RATE |
|---|---|---|---|
| 1 | Below $1,000.00 | 0.00% | 0.000% |
| 2 | Equal or greater than $1,000.00 but less than $10,000.00 | 0.80% | 0.800% |
| 3 | Equal or greater than $10,000.00 but less than $25,000.00 | 0.90% | 0.900% |
| 4 | Equal or greater than $25,000.00 but less than $50,000.00 | 1.00% | 0.095% |
| 5 | Equal or greater than $50,000.00 but less than $100,000.00 | 1.05% | 1.045% |
| 6 | Equal or greater than $100,000.00 but less than $150,000.00 | 1.10% | 1.094% |
| 7 | Equal or greater than $150,000.00 but less than $250,000.00 | 1.15% | 1.144% |
| 8 | Equal or greater than $250,000.00 but less than $100,000,000,000.00 | 1.20% | 1.193% |
Business Accounts
| Product | APY* | Rate | Minimum Daily Balance to obtain APY* | Minimum to open |
|---|---|---|---|---|
| Business Checking | n/a | n/a | n/a | $500.00 |
| Business Interest Checking | 0.30% | 0.300% | $0.00 | $5,000.00 |
| Business Savings | 0.90% | 0.897% | $500.00 | $10,000.00 |
Product
Business Checking
n/a
Business Interest Checking
0.30%
Business Savings
0.90%
APY*
Business Checking
n/a
Business Interest Checking
0.300%
Business Savings
0.897%
Rate
Business Checking
n/a
Business Interest Checking
$0.00
Business Savings
$500.00
Minimum Daily Balance to obtain APY*
Business Checking
$500.00
Business Interest Checking
$5,000.00
Business Savings
$10,000.00
CD Rates
| Product | APY* | Rate | Minimum to Open | Minimum Daily Balance to obtain APY* |
|---|---|---|---|---|
| 6 Month CD | 0.60% | 0.599% | $1,000.00 | $1,000.00 |
| 8 Month CD** | 4.00% | 3.941% | $1,000.00 | $1,000.00 |
| 12 Month CD | 0.80% | 0.798% | $1,000.00 | $1,000.00 |
| 13 Month CD** | 3.57% | 3.523% | $1,000.00 | $1,000.00 |
| 18 Month CD*** | 3.05% | 3.016% | $1,000.00 | $1,000.00 |
| 24 Month CD | 0.90% | 0.897% | $1,000.00 | $1,000.00 |
| 30 Month CD | 0.95% | 0.947% | $1,000.00 | $1,000.00 |
| 60 Month CD | 1.99% | 1.975% | $1,000.00 | $1,000.00 |
Product
6 Month CD
0.60%
8 Month CD**
4.00%
12 Month CD
0.80%
13 Month CD**
3.57%
18 Month CD***
3.05%
24 Month CD
0.90%
30 Month CD
0.95%
60 Month CD
1.99%
APY*
6 Month CD
0.599%
8 Month CD**
3.941%
12 Month CD
0.798%
13 Month CD**
3.523%
18 Month CD***
3.016%
24 Month CD
0.897%
30 Month CD
0.947%
60 Month CD
1.975%
Rate
6 Month CD
$1,000.00
8 Month CD**
$1,000.00
12 Month CD
$1,000.00
13 Month CD**
$1,000.00
18 Month CD***
$1,000.00
24 Month CD
$1,000.00
30 Month CD
$1,000.00
60 Month CD
$1,000.00
Minimum to Open
6 Month CD
$1,000.00
8 Month CD**
$1,000.00
12 Month CD
$1,000.00
13 Month CD**
$1,000.00
18 Month CD***
$1,000.00
24 Month CD
$1,000.00
30 Month CD
$1,000.00
60 Month CD
$1,000.00
Renewal Rates
| Renewal Rates | Renewal Term | APY* | Rate |
|---|---|---|---|
| 0-11 Month CD | 6 Month | 0.60% | 0.599% |
| 12-17 Month CD | 12 Month | 0.80% | 0.798% |
| 18-23 Month CD | 18 Month | 2.75% | 2.722% |
| 24-29 Month CD | 24 Month | 0.90% | 0.897% |
| 30 Month CD | 30 Month | 0.95% | 0.947% |
| 31+ Month CD | 60 Month | 1.99% | 1.975% |
Renewal Rates
0-11 Month CD
6 Month
12-17 Month CD
12 Month
18-23 Month CD
18 Month
24-29 Month CD
24 Month
30 Month CD
30 Month
31+ Month CD
60 Month
Renewal Term
0-11 Month CD
0.60%
12-17 Month CD
0.80%
18-23 Month CD
2.75%
24-29 Month CD
0.90%
30 Month CD
0.95%
31+ Month CD
1.99%
APY*
0-11 Month CD
0.599%
12-17 Month CD
0.798%
18-23 Month CD
2.722%
24-29 Month CD
0.897%
30 Month CD
0.947%
31+ Month CD
1.975%
A substantial penalty may apply for early withdrawal. All rates are subject to change without notice. Please call for current rates.
*Annual Percentage Yield
** Current Special Rate
Rates effective May 1st, 2025
