Bank · FDIC insured
Pioneer State Bank Savings Rates
Pioneer State Bank’s best savings rate is 1.28% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Pioneer State Bank’s savings 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
1.28%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $128
Money Market Savings
Top rate
Daniels-Sheridan Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
2nd-highest rate
Mile High FCU
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
Pioneer State Bank savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.77%
- $10,000 balance$10,0001.28%
- $100,000 balance$100,0002.05%
- QualifiedQualified1.28%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Savings
1.28%APY
Fees may reduce earnings on accounts. APY refers to Annual Percentage Yield based on simple interest.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $50,000 | 1.28% | $128 |
| $50,000 – $200,000 | 2.05% | — |
| $200,000 and up | 2.57% | — |
Sources (1)
- pioneerstate.bank/current-rates · captured Oct 4, 2026
Savings Account
0.77%APY
All new deposit accounts must be opened in person unless the depositor is an established customer of Pioneer Federal Savings and Loan Association.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a minimum balance of $100.00 to obtain the disclosed APY. Interest is compounded daily and credited quarterly. Interest rate and APY may change on the first day of each quarter.$100 and up | 0.77% | $77 | Must maintain a minimum balance of $100.00 to obtain the disclosed APY. Interest is compounded daily and credited quarterly. Interest rate and APY may change on the first day of each quarter. |
Sources (2)
All captured Oct 4, 2026
Checkmate Account
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance of $200.00 required to obtain disclosed APY. Service fee of $7.50 will be imposed each statement cycle if the average daily balance falls below $200.00.$200 and up | 0.20% | $20 | Minimum balance of $200.00 required to obtain disclosed APY. Service fee of $7.50 will be imposed each statement cycle if the average daily balance falls below $200.00. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Individual Retirement Account
2.05%APY
Includes Traditional, Roth, and Education Retirement Account options. All new deposit accounts must be opened in person unless the depositor is an established customer.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSubstantial penalty for early withdrawal. Rate schedule applies to Individual Retirement Account, Roth Retirement Account, and Education Retirement Account.Any balance | 2.05% | $205 | Substantial penalty for early withdrawal. Rate schedule applies to Individual Retirement Account, Roth Retirement Account, and Education Retirement Account. |
Sources (3)
- pioneerstate.bank/current-rates
- pioneerstate.bank/deposit-product-services
- pioneerstate.bank/individual-retirement-account
All captured Oct 4, 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.