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

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
as IRA accounts.

 FEES
Minimum balance fee: A service charge of $2.50† will be waived if your minimum daily balance is equal to or greater than $100.
  		Minimum balance fee: A service charge of $8.50† will be waived if your minimum daily balance is equal to or greater than $2,500.
  		 

We will waive the minimum balance fee and debit charge(s) fee if the account holder is a minor.

Excess activity fee(s): $5.00 per debit~ for each debit over 6 during the month.  

First 4 withdrawals per month are free!

   

Debit charge(s): $.50 for each debit over 4 during the period.~

 

 

Federal regulations limit certain preauthorized electronic, internet banking, and telephone transfers to 6 per statement cycle. Federal regulations limit certain preauthorized electronic, internet banking, and telephone transfers to 6 per statement cycle.  
ADDITIONAL BENEFITS AND ACCOUNT DETAIL 

Free online banking including:  Free eStatements, Free check images, Free Bill Pay, Free online
banking.

Free online banking including:  Free eStatements, Free check images, Free Bill Pay, Free online banking.  

$1.50 foreign ATM transaction fee†#

   
† 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 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.