Term Certificates

If you are looking for a higher dividend rate on your savings, then consider investing in Pioneer Federal's Term Certificate. We offer a variety of rates and terms. You may choose the one that best fits your financial needs. Term Certificates are a great investment vehicle if you want long term savings with stable, secure results. The sooner you start saving, the sooner you reach your financial goals.

Term Certificates

Minimum Balance to Earn A.P.Y. Dividend Rate Annual Percentage Yield
***13 Months Special***
$10,000 & Over 1.05% 1.05%
$500 Up To $10,000 1.05% 1.05%
***19 Months Special***
$10,000 & Over 1.09% 1.10%
$500 Up To $10,000 1.09% 1.10%
***25 Months Special***
$10,000 & Over 1.14% 1.15%
$500 Up To $10,000 1.14% 1.15%
60 Months
$10,000 & Over 1.29% 1.30%
$500 Up To $10,000 1.14% 1.15%
48 Months
$10,000 & Over 1.14% 1.15%
$500 Up To $10,000 1.05% 1.05%
36 Months
$10,000 & Over 0.95% 0.95%
$500 Up To $10,000 0.85% 0.85%
24 Months
$10,000 & Over 0.55% 0.55%
$500 Up To $10,000 0.45% 0.45%
18 Months
$10,000 & Over 0.50% 0.50%
$500 Up To $10,000 0.40% 0.40%
12 Months
$10,000 & Over 0.45% 0.45%
$500 Up To $10,000 0.35% 0.35%

Rates as of March 1, 2014. Rates are subject to change.

Certificates are subject to penalty for early withdrawal.

APY = Annual Percentage Yield, assuming dividend remains on deposit. Certificates are subject to penalty for early withdrawal. Fees could reduce the earnings on any account, only if they are associated with that specific account. Rates are subject to change.

Senior Term Certificate (Age 55 and over on primary member)
Minimum Balance to Earn A.P.Y. Dividend Rate A.P.Y.
12 months
$10,000 & Over 0.35% 0.35%
$500 up to $10,000 0.30% 0.30%
18 Months
$10,000 & Over 0.40% 0.40%
$500 up to $10,000 0.35% 0.35%
24 Months
$10,000 & Over 0.45% 0.45%
$500 up to $10,000 0.40% 0.40%

Rates as of February 1, 2014.

A.P.Y. = Annual Percentage Yield

Certificate rates are subject to change during the calendar month. $3 redemption fee will apply to all withdrawals of principal. Organizations and business accounts don't qualify for Senior Term Certificates. Ask a Member Service Representative for a complete disclosure sheet.

Fees could reduce the earnings on any account, only if they are associated with that specific account.