Rates

*Limited-time offer, subject to change or discontinuation at any time without notice. Minimum deposit of $500 required. Dividends are compounded and credited monthly. APY accurate as of 1/1/26. Early withdrawal penalty equals six months of dividends. View full Promotional Certificate Terms.

**Jumbo and Jumbo Plus pricing are available exclusively to members with a Primary Financial Institution (PFI) relationship with Pioneer AFCU. Non-PFI members qualify for Standard pricing only. To establish PFI: open a checking account, set up direct deposit, and use Pioneer AFCU for everyday banking.

¹Second Chance Checking is available to members who do not qualify for non-fee checking (Chex Systems score below 550). A $12 monthly service fee applies. Direct deposit is required; no fee is charged in the month the account is opened to allow time to establish direct deposit.

Early Withdrawal Penalty: Members agree to keep funds on deposit for the full fixed term. Partial withdrawals and additional deposits are generally not permitted. If an early withdrawal of principal is permitted, a penalty equal to six months of dividends (whether earned or unearned) will be assessed on the portion withdrawn. Tax penalties may also apply to premature IRA distributions. The Credit Union may waive this penalty following the death or adjudication of incompetence of an account owner, provided the account was not extended or renewed after that date.

Early Withdrawal Penalty: Same early withdrawal penalty terms apply as Share Certificates above. Tax penalties may apply to premature IRA distributions. Consult a tax advisor for guidance specific to your situation.

**The APR shown reflects the current minimum Annual Percentage Rate offered. Your APR may be higher based on individual creditworthiness, including credit standing, term, loan-to-value, debt-to-income ratio, and aggregate credit score. Not all applicants will qualify for the lowest rate. Contact a Financial Advocate to determine the rate and term for which you qualify.

***The Visa® Platinum APR is variable and subject to change monthly on the first day of the billing cycle, based on the Prime Rate as published in the Wall Street Journal "Money Rates" table on the last day of the prior month, plus a margin. Any increase in the APR will take the form of additional minimum payments on your statement. If the Prime Rate index becomes unavailable, a comparable replacement index will be substituted. Foreign transaction fees may apply.