Bank · FDIC insured
Pioneer Savings Rates
Pioneer’s best savings rate is 3.50% APY on $10,000, with its 4-month Pioneer Money Market. Rates checked October 16, 2026.
How Pioneer’s savings rates compare
Compared with banks and credit unions near Albany, NY, where Pioneer has the most branches. $10,000, best rate first.
This bank’s best
Pioneer
3.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $350
4-month Pioneer Money Market
Top rate
NextStep Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $20
- Earns on $10,000 a year
- $400
3rd-highest rate
NY Bravest Federal Credit Union
3.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $330
Pioneer savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0003.50%
- $10,000 balance$10,0003.50%
- $100,000 balance$100,0003.50%
- QualifiedQualified3.50%
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 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.
4-month Pioneer Money Market
3.50%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months | 3.50% | $115 |
Sources (1)
- pioneerny.com · captured Sep 17, 2026
Pinnacle Money Market
0.03%APY
Minimum opening balance of $1,000. All rates are variable and may change after account is opened. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier I | 0.03% | — | Tier I |
| $2,500 – $10,000Tier II | 0.03% | — | Tier II |
| $10,000 – $25,000Tier III | 0.03% | $3 | Tier III |
| $25,000 – $50,000Tier IV | 0.05% | — | Tier IV |
| $50,000 – $100,000Tier V | 0.05% | — | Tier V |
| $100,000 – $500,000Tier VI | 0.05% | — | Tier VI |
| $500,000 – $1,000,000Tier VII | 0.05% | — | Tier VII |
| $1,000,000 and upTier VIII | 0.10% | — | Tier VIII |
Sources (1)
- pioneerny.com/rates · captured Sep 17, 2026
Passbook Savings
0.03%APY
Minimum balance (average daily balance) of $250 required to avoid monthly service charge of $1.00. No minimum balance required to earn interest. Interest is compounded daily and credited monthly. Rates are variable and may change after account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance of $250 required to avoid monthly service charge of $1.00. No minimum balance required to earn interest. All rates are variable and may change after account is opened.Any balance | 0.03% | $3 | Minimum balance of $250 required to avoid monthly service charge of $1.00. No minimum balance required to earn interest. All rates are variable and may change after account is opened. |
Statement Savings
0.03%APY
Minimum balance ($100 average daily balance for the month) required to avoid monthly service charge of $1.00. No minimum balance required to earn interest. Interest is compounded daily and credited monthly. Rates are variable and may change after account is opened. Features include Pioneer ATM card and Pocket Change when linked to a Pioneer checking account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance of $100 ($100 average daily balance for the month) required to avoid monthly service charge of $1.00. No minimum balance required to earn interest. All rates are variable and may change after account is opened.Any balance | 0.03% | $3 | Minimum balance of $100 ($100 average daily balance for the month) required to avoid monthly service charge of $1.00. No minimum balance required to earn interest. All rates are variable and may change after account is opened. |
Sources (3)
All captured Sep 17, 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.