Personal Business Government Community Company Financial Education Contact Us Locations Rates Login Menu 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 Rate APY* Passbook Savings Minimum opening deposit - $50 0.03% 0.03% Statement Savings Minimum opening deposit - $25 0.03% 0.03% *Annual Percentage Yield. APY is accurate as of 3/2/21. 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 Range APY* Tier I $0.00 to $2,499.99 0.03% Tier II $2,500.00 to $9,999.99 0.03% Tier III $10,000.00 to $24,999.99 0.03% Tier IV $25,000.00 to $49,999.99 0.05% Tier V $50,000.00 to $99,999.99 0.05% Tier VI $100,000.00 to $499,999.99 0.05% Tier VII $500,000.00 to $999,999.99 0.05% Tier VIII $1,000,000.00 and up 0.10% * Annual Percentage Yield. APY is accurate as of 3/2/21. Fees may reduce earnings. **Minimum opening balance of $1,000. All rates are variable and may change after consummation. Certificates of Deposits** Interest Rate APY* 12 months 0.10% 0.10% 18 months 0.20% 0.20% 24 months 0.20% 0.20% 36 months 0.30% 0.30% Other terms available Contact a branch for additional rates * Annual Percentage Yield. APY is accurate as of 3/2/21. **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 Loan Rate APR* 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 Loan Rate APR* 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 Loan Rate APR* 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 Lien Rate APR* Monthly Payment per $1,000.00 Borrowed 5 Years 2.625% 2.625% $17.80 10 Years 2.875% 2.875% $9.60 15 Years 3.125% 3.125% $6.97 20 Years 3.500% 3.500% $5.80 Fixed Home Equity - 2nd Lien Rate APR* Monthly Payment per $1,000.00 Borrowed 5 Years 3.375% 3.375% $18.14 10 Years 3.625% 3.625% $9.95 15 Years 3.875% 3.875% $7.33 20 Years 4.250% 4.250% $6.19 If secured by a first lien on a dwelling, payments do not include taxes and insurance and the actual payment obligation may be higher. Property insurance is required. *Annual Percentage Rate. APR is accurate as of today's date. Minimum loan - $5,000.00. Interest rates are subject to change without notice. Flood insurance may be required. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Consult your tax advisor regarding interest deductibility. Variable Rate Home Equity Line of Credit Interest Only Option Term Introductory Rate for 12 Months Introductory APR* for 12 Months Monthly Payment per $1,000.00 Borrowed 10 Year Draw Period 15 Year Repayment Period 1.750% 1.750% The rate is fixed for 12 months and then variable at Prime plus 0.00%, currently 3.25% APR, with a floor of 4.00% APR for the remainder of the loan. $0.15 *Annual Percentage Rate. APR is accurate as of today's date. APR (Annual Percentage Rate). The rate is fixed for 12 months and then variable at Prime plus 0.00%, currently 3.25% APR, with a floor of 4.00% APR for the remainder of the loan. This rate will be based on the Prime Rate as published in the Wall Street Journal. The maximum APR is 15%. This offer is valid for all applications with a minimum line of $5,000. 85% maximum combined loan to value. Minimum loan amount: $5,000. HELOC has a term of 25 years; 10-year draw period with monthly interest only payments required followed by a 15-year monthly principal and interest repayment period. Flood insurance may be required. For loans in excess of $300,000 borrower will pay for the cost of title insurance ranging from $549.00 to $2,103.00. Property insurance is required. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Consult your tax advisor regarding interest deductibility. Variable Rate Home Equity Line of Credit Principal & Interest Option Term Introductory Rate for 12 Months Introductory APR* for 12 Months Monthly Payment per $1,000 Borrowed 10 Year Draw Period 15 Year Repayment Period 1.750% 1.750% The rate is fixed for 12 months and then variable at Prime plus 0.00%, currently 3.25% APR, with a floor of 4.00% APR for the remainder of the loan. $3.57 *Annual Percentage Rate. APR is accurate as of today's date. APR (Annual Percentage Rate). The rate is fixed for 12 months and then variable at Prime plus 0.00%, currently 3.25% APR, with a floor of 4.00% APR for the remainder of the loan. This rate will be based on the Prime Rate as published in the Wall Street Journal. The maximum APR is 15%. This offer is valid for all applications with a minimum line of $5,000. 85% maximum combined loan to value. Minimum loan amount: $5,000. HELOC has a term of 25 years; 10-year draw period with monthly principal and interest payments required followed by a 15-year monthly principal and interest repayment period. Flood insurance may be required. For loans in excess of $300,000 borrower will pay for the cost of title insurance ranging from $549.00 to $2,103.00. Property insurance is required. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Consult your tax advisor regarding interest deductibility. Pioneer Bank NMLS ID#612446. For a list of Pioneer Bank NMLS licensed representatives, click here. 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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