Tax Season 2025
Your refund deserves
better than a big bank.
Put your tax refund to work at Pioneer — no fees eating into your earnings, no runaround. Just real returns for real West Virginians.
Open an Account Today 3.75% APY13-Month CertificateChoose where your refund goes
Share Savings
Your starter account. Build an emergency fund or just park your refund somewhere safe — no monthly fees, ever.
$5
minimum to open
Learn more →Best Rate
13-Month Certificate
Lock your refund in for 13 months and earn our best guaranteed rate. Know exactly what you'll get back.
3.75%
APY — $500 minimum
Learn more →Money Market
More than a basic savings account with easy access to your money. Rates grow with your balance — no lock-in required.
0.25–1.00%
APY (tiered) — $500 minimum
Learn more →💡 PFI members earn even more. Make Pioneer your primary financial institution — open a checking account, set up direct deposit — and unlock rates up to 4.25% APY on the 13-Month Certificate. Ask us how →
See what your refund could earn
Refund Earnings Calculator
Adjust the sliders to match your situation.
$56 You earn
$1,556 Total balance
3.75% Current APY
* Estimates only. Actual earnings depend on account type, balance tiers, and term. APY accurate as of 1/1/26. Rates subject to change.
Smart moves with your refund
Tip
Build your emergency fund first
Before anything else, make sure you have 3–6 months of expenses saved somewhere accessible. Your Share Savings account is the right place to start.
Explore our Financial Education Hub →Tip
Certificates beat savings when you don't need it fast
If you won't need your refund for 13 months, a certificate locks in 3.75% APY — far more than a standard savings account.
See certificate options →Tip
Bigger refund? Look at Money Market Advantage
If your refund is $25,000 or more, our Money Market Advantage account earns 3.00% APY with full liquidity — no lock-in required.
See all rates →Tip
Not a member yet? It takes $5
Open a Share Savings account with just $5 to establish full membership — then add a certificate, money market, or any other product.
Join online now →
Locations and Hours
We'd love to see you in person! Please feel free to drop into any branch location near you.