Skip to main content
Routing # 211885946

Share Certificates

Bold investments made easy.

Open an Account 


Limited Time Offer!

Open NOW

SPECIAL CD at 4.50% APY*                      SPECIAL CD AT 5.00%APY*

9 Months                                                                      13 Months 


ACT NOW! This special rate is only available for a limited time. Choose your term for the best savings rates at Pioneer Valley. Start today and be empowered with the tools you need to reach your savings goals.


Share Certificates

Your investment is secure and protected- making our Share Certificates the smart way to save.

Best For:
  • Members with a custom savings plan
  • Members who have a savings goal
  • Members who value secure investments
Minimum Deposit
as low as


Terms from
3 to 60 Months

From low minimum deposits to terms from 3 months to 60 months, our members are empowered to create a Share Certificate savings plan to match their lifestyle and savings goals.


DirectFLEX Share Certificate

With the flexibility to save on your own terms, our DirectFLEX Certificate is great for first time investors.

Best For:
  • Members who wish to add cash any time
  • Members who want continuous earnings
  • Members who value secure investments
Minimum Deposit
as low as


18 Months

Starting with an initial deposit and a one-time rate upgrade, the DirectFLEX gives you the ability to add money at any time. The more money you have in your DirectFLEX, the more interest you can earn with our tiered rate options.

Open a certificate  Rates

APY=Annual Percentage Yield. Rates as of 1/20/2023. $1,000 minimum for the 9 and19 Months CD Special. Rate based on balance until maturity date. Penalty will be imposed for early withdrawals on Term Share accounts; fees and certain conditions may reduce earnings. The dividend rate is paid on the entire balance in your account. Dividends are compounded daily and credited monthly. Rates are subject to change at any time without notice. Full account disclosures will be given at the time of account opening.