What are the current interest rates at Pioneer Commercial Bank?

Current rates for Pioneer Commercial Bank include:

Pioneer Commercial Bank Rates and Review February 2026

Content reviewed by

Brian McKay

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Pioneer Commercial Bank Deposit Rates

You can compare Pioneer Commercial Bank rates to other rates in our database, including 12-month CD rates currently at 3.25%, 6-month CD rates at 4.00% and 3-month CD rates at 0.20%. Savings rates are at 0.10% and money market rates are at 0.60%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates, and more, can be found in our database of rates which you can compare to Pioneer Commercial Bank rates.

Rate Updates and Availability

Pioneer Commercial Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pioneer Commercial Bank? Share your experience about Pioneer Commercial Bank by leaving a review below, or read customer reviews before you decide to use Pioneer Commercial Bank.

Pioneer Commercial Bank Texas Ratio

Pioneer Commercial Bank's Texas Ratio is at 0.00%, which is considered perfect. The Texas Ratio for Pioneer Commercial Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Pioneer Commercial Bank has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Overall, Pioneer Commercial Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

N/A

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

N/A

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Pioneer Commercial Bank

652 Albany Shaker Rd
Albany, NY 12211

https://www.pioneerny.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

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Current Rate Availability

We do not have Pioneer Commercial Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Pioneer Commercial Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Pioneer Commercial Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Pioneer Commercial Bank's official website for the most current offers and terms.

Bank Profile & Overview

Pioneer Commercial Bank

652 Albany Shaker Rd
Albany, NY 12211
Albany
Established Date: 11/08/2004
FDIC Certificate #: 57849
Date of FDIC Deposit Insurance: 11/08/2004

How Many Domestic U.S. Offices? 1

How Many Branches are There? 1

Website: https://www.pioneerny.com

Is Pioneer Commercial Bank FDIC Insured? Yes

What is Pioneer Commercial Bank's Cert number? 57849

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:

$613,333,000

Total Deposits:

$559,566,000

Equity Capital:

$51,292,000

Net Income:

$1,982,000

Return on Assets (ROA):

1.3266%

Return on Equity (ROE):

15.1400%

Headquarters:

Albany

Regulator:

FDIC

# of Offices:

Source: FDIC | Last Updated 03/31/2024

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Frequently Asked Questions About Pioneer Commercial Bank

How do I open an account at Pioneer Commercial Bank?

You can typically open an account at Pioneer Commercial Bank by visiting a local branch or applying through their official website.

Is there a first-time homebuyer program?

Currently, Pioneer Commercial Bank provides a range of mortgage and home equity products.

Is Pioneer Commercial Bank a safe place to deposit money?

Yes, Pioneer Commercial Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.