Credit union · NCUA insured
Pioneer Mutual Federal Credit Union Savings Rates
Pioneer Mutual Federal Credit Union’s best savings rate is 3.03% APY on $10,000, with its Share Savings Account. Rates checked October 16, 2026.
How Pioneer Mutual Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Pioneer Mutual Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Pioneer Mutual Federal Credit Union
3.03%APY
- Minimum
- $110
- Earns on $10,000 a year
- $303
Share Savings Account
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Pioneer Mutual Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.03%
- $10,000 balance$10,0003.03%
- $100,000 balance$100,0003.03%
- QualifiedQualified3.03%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Pioneer Mutual Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Pioneer Education Savings (PES)
3.55%APY
Must be a PMFCU member. Funds are intended for member's education expenses. Maximum deposit of $1,000.00 per month. Early withdrawal penalty applies on dividend/interest earned if withdrawn for non-education/personal use.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upCurrently paying a minimum dividend of 3.50% compounded and credited quarterly based on the average daily balance method. Requires minimum $100 balance to earn interest.$100 and up | 3.55% | $355 | Currently paying a minimum dividend of 3.50% compounded and credited quarterly based on the average daily balance method. Requires minimum $100 balance to earn interest. |
Share Savings Account
3.03%APY
Must maintain a minimum balance of $100.00 to keep account open and earn dividends. Maximum deposit of $1,000.00 per month for individual share savings accounts. Limited to 6 withdrawals/transfers per month (maximum 3 by draft/check/debit).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upInterest/dividends compounded and credited quarterly on balances exceeding $100.00 based on the average daily balance method.$100 and up | 3.03% | $303 | Interest/dividends compounded and credited quarterly on balances exceeding $100.00 based on the average daily balance method. |
Sources (3)
- pioneeronline.org/docs/default…s/pioneer-disclosure.pdf
- pioneeronline.org/personal/accounts
- pioneeronline.org/personal/accounts/share-savings
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Saving Account
3.03%APY
Available as Traditional IRA, Roth IRA, or Coverdell ESA wrappers. Cannot make pre-authorized or automatic transfers/withdrawals. Account must maintain $100 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited quarterly. Minimum balance of $100.00 required to earn disclosed APY.$100 and up | 3.03% | $303 | Dividends compounded and credited quarterly. Minimum balance of $100.00 required to earn disclosed APY. |
Sources (3)
- pioneeronline.org/docs/default…s/pioneer-disclosure.pdf
- pioneeronline.org/personal/accounts
- pioneeronline.org/personal/accounts/iras
All captured Oct 16, 2026
Who can join Pioneer Mutual Federal Credit Union
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