Savings Accounts
Open an AccountFind the Right Savings Account for You.
Every Pioneer savings account is free to keep and federally insured. The differences are how much you earn and when you can use the money.
Everyday & long-term savings
Money Market
Best for: Bigger balances you still want to reach
A better rate than regular savings, and your money stays within reach. Keep $25,000 or more in Money Market Advantage to earn our top rate.
APY* Up to 3.00%
Monthly fee $0
Minimum $500 to earn
Withdrawals 1 free / mo
Withdrawal penalty None
11-Month Special
Share Certificates
Best for: Money you won't touch for a while
Lock in a fixed rate for 3 months to 5 years and know exactly what you'll earn. Our 11-month special pays 3.50% APY with $500.
APY* Up to 3.50%
Monthly fee $0
Minimum $500 to open
Withdrawals At maturity
Withdrawal penalty Yes
Traditional & Roth IRA
Best for: Retirement
Tax-advantaged savings for later in life, with no setup or monthly fees. IRA certificates are available in 3- to 5-year terms.
APY* 0.35%
Monthly fee $0
Minimum $500 to open
Withdrawals Age 59½+
Withdrawal penalty May apply
Savings with a purpose
Smart Start Savings
Best for: Teens & students (14–21)
A real savings account for young members that pays 3.00% APY on up to $10,000. Pairs with Smart Start Checking for automatic transfers.
APY* 3.00%
Monthly fee $0
Minimum None
Withdrawals Anytime
Withdrawal penalty None
"You Choose" Savings
Best for: A goal with a date on it
Saving for a wedding, a trip, or back-to-school? Pick the exact day you want the money, and we'll pay it out then.
APY* 0.10%
Monthly fee $0
Minimum None
Withdrawals On your date
Withdrawal penalty May apply
Christmas & Vacation Club
Best for: Holidays and summer trips
Put a little away all year. Christmas Club pays out November 1 and Vacation Club pays out June 1, right when you need it.
APY* 0.10%
Monthly fee $0
Minimum None
Withdrawals Nov 1 / Jun 1
Withdrawal penalty May apply
Still not sure? Talk to a Financial Advocate at any branch. They'll help you pick the right spot for your savings.
*APY = Annual Percentage Yield. Rates effective May 1, 2026 and subject to change without notice. Fees may reduce earnings. Dividends are not paid on accounts closed before accrued dividends are credited. See current rates and the Truth in Savings Disclosure. Share Savings requires a $5 minimum balance to open and maintain membership; APY is tiered by balance. Standard Money Market APY ranges from 0.25% to 1.00% with a $500 minimum daily balance to earn dividends; the 3.00% APY applies to Money Market Advantage, which requires a minimum deposit and balance of $25,000. Money Market includes one free withdrawal per month and a $5 fee for each additional withdrawal. The 11-month promotional Share Certificate is a limited-time offer that may change or end at any time; $500 minimum deposit. Higher Jumbo and Jumbo Plus rates are available to Primary Financial Institution (PFI) members only. Standard certificate terms range from 3 to 60 months. The certificate early withdrawal penalty equals six months of dividends on the amount withdrawn. Smart Start Savings earns 3.00% APY on balances up to $10,000; balances above $10,000 earn a lower rate. Smart Start is available to members ages 14–21, must be opened in-branch, and requires a parent or legal guardian as a joint owner for members under 18. Christmas Club funds are released November 1 and Vacation Club funds are released June 1. Early withdrawal penalties may apply to Club and "You Choose" Savings accounts. IRA tax benefits and penalties depend on your situation; consult a tax advisor. Membership with Pioneer Appalachia Federal Credit Union required. Federally insured by the NCUA. Features and terms subject to change.