Personal Savings
| PERSONAL SAVINGS | PERSONAL MONEY MARKET | CERTIFICATES OF DEPOSIT (CDs)* |
| MINIMUM TO OPEN | ||
| $100 | $2,500 | Varies per term |
| MINIMUM BALANCE REQUIREMENT | ||
| $100 | $2,500 | |
| INTEREST | ||
| Variable interest rate compounded and credited quarterly. | Yes, rates are tiered to reward higher balances. | Yes |
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This account earns a variable interest rate. At our discretion, we may change the rate on your account. Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks). |
The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. At our discretion, we may change the interest rate on your account. Interest will be compounded and credited monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). |
Terms from 7 days to 5 years. Funds are FDIC insured. All certificates may be used |
| FEES AND TRANSACTION LIMITATIONS | ||
| A Balance Requirement Fee of $2.50 will be waived if your minimum daily balance is equal to or greater than $100. |
A Balance Requirement Fee of $8.50† will be waived if your minimum daily balance is equal to or greater than $2,500. |
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First 4 withdrawals per month are free! |
Excess transaction fee(s): $5.00 per debit~ for each debit over 6 during the month. | |
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Withdrawal charge(s): $.50 for each withdrawal over 4 during the month.~ |
Federal regulations limit certain preauthorized electronic, internet banking, and telephone transfers to 6 per month. |
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Federal regulations limit certain preauthorized electronic, internet banking, and telephone transfers to 6 per month. |
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| ADDITIONAL BENEFITS AND ACCOUNT DETAIL | ||
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Free online banking including: Free eStatements, Free check images, Free Bill Pay, Free online |
Free online banking including: Free eStatements, Free check images, Free Bill Pay, Free online banking. | |
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$2.00 foreign ATM transaction fee†# |
$2.00 foreign ATM transaction fee†# |
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| † | Plus sales tax. |
| ~ | Debits include debit card withdrawals, telephone transfers, ACH transactions, sweeps and online banking transfers. |
| # | Foreign ATM transaction fee if debit card is tied to a Free Personal Checking account or those savings/money market accounts tied to a Free Checking account and used at ATMs not owned by Pioneer Bank; or ATMs that are not in the Privileged Status® network. |
| * | A penalty may be imposed for early withdrawal from certificates of deposit. |
