Bank · FDIC insured
Pioneer State Bank CD Rates
Pioneer State Bank’s best CD rate is 3.82% APY on a 9-month CD. Terms run from 3 months to 42 months. Rates checked October 22, 2026.
How Pioneer State Bank’s CD rates compare
Compared with banks and credit unions in Montana, where Pioneer State Bank has the most branches. $10,000, best rate first.
This bank’s best
Pioneer State Bank
3.82%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $285
9-Month Flex Certificate
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $5
- Earns on $10,000
- $920
Pioneer State Bank CD score
72
CD score
Higher than 31% of U.S. banks and credit unions
- 3–8 months3–8 mo3.22%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo2.57%
- 31–60 months31–60 mo2.21%
- QualifiedQualified3.82%
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 State Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
9-Month Flex Certificate
3.82%APY · 1 term
All new deposit accounts must be opened in person unless the depositor is an established customer. Interest paid quarterly and at maturity. May make unlimited deposits. One withdrawal per calendar month permitted, substantial penalties for additional monthly withdrawals or early closure of CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsInterest paid quarterly and at maturity. Unlimited deposits allowed. One withdrawal per calendar month permitted; substantial penalties for additional monthly withdrawals or early closure. Minimum balance of $100.00 to earn interest | 3.82% | $285 |
Sources (1)
- pioneerstate.bank/current-rates · captured Sep 16, 2026
1 Year Certificate of Deposit
3.35%APY · 1 term
All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed interest rate paid until first maturity. Interest compounded daily and credited every quarter. Daily balance method used. Depositing additional funds before maturity is not allowed. Penalty for early principal withdrawal equals three months interest. Grace period of 7 calendar days after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSubstantial penalty for early withdrawal. Minimum balance of $100 required to obtain APY | 3.35% | $335 |
Sources (2)
All captured Sep 16, 2026
6 Month Certificate
3.22%APY · 1 term
All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed rate paid until first maturity. No compounding of interest; interest paid at maturity. Daily balance method used. Depositing additional funds before maturity is not allowed. 7 calendar days grace period after maturity. Early withdrawal fee equals three months interest on amount withdrawn.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest paid at maturity, substantial penalty for early withdrawal. Minimum balance of $1,000 required to obtain APY | 3.22% | $160 |
Sources (2)
All captured Sep 16, 2026
90 Day Certificate
3.09%APY · 1 term
All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed rate paid until first maturity. Interest compounded daily and credited at maturity. Daily balance method used. No additional deposits allowed before maturity. 7 calendar days grace period after maturity. Early withdrawal penalty equals three months interest on principal withdrawn.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSubstantial penalty for early withdrawal. Minimum balance of $1,000 required to obtain APY | 3.09% | $76 |
Sources (2)
All captured Sep 16, 2026
1-1/2 Year Certificate of Deposit
2.57%APY · 1 term
All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed interest rate paid until first maturity. Interest compounded daily and credited every quarter. Daily balance method used. Depositing additional funds before maturity is not allowed. Penalty for early principal withdrawal equals six months interest. Grace period of 7 calendar days after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsSubstantial penalty for early withdrawal. Minimum balance of $100 required to obtain APY | 2.57% | $388 |
Sources (2)
All captured Sep 16, 2026
3-1/2 Year Certificate of Deposit
2.21%APY · 1 term
All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed interest rate paid until first maturity. Interest compounded daily and credited every quarter. Daily balance method used. Depositing additional funds before maturity is not allowed. Penalty for early principal withdrawal equals six months interest. Grace period of 7 calendar days after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 42 monthsSubstantial penalty for early withdrawal. Minimum balance of $100 required to obtain APY | 2.21% | $795 |
Sources (2)
All captured Sep 16, 2026
2-1/2 Year Certificate of Deposit
2.05%APY · 1 term
All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed interest rate paid until first maturity. Interest compounded daily and credited every quarter. Daily balance method used. Depositing additional funds before maturity is not allowed. Penalty for early principal withdrawal equals six months interest. Grace period of 7 calendar days after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsSubstantial penalty for early withdrawal. Minimum balance of $100 required to obtain APY | 2.05% | $520 |
Sources (2)
All captured Sep 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.