Site Index

Real Estate

• Adjustable Rate Mortgage)
  An Adjustable Rate Mortgage or (ARM) loan gives you a lower initial interest rate and monthly payment. Your interest rate is adjusted at a specific prearranged period or annually, based on a predetermined financial index. As your interest rate changes, so does your monthly payment. ARM’s may be “capped” meaning you are protected against significant fluctuations in your index.

• 1 – Year Adjustable Rate Mortgage (ARM)
  A 1 year ARM has payments that adjust once each year and the payments are calculated up to a 30 year period. Typically, this type of loan offers the lowest initial start rate and can help you qualify for a larger amount.

• 3/1 – ARM
  This loan has fixed payments for 3 years, and adjusts every year thereafter. Loan payments on this type of loan are calculated up to a 30 year period.

• 5/1 – ARM
  This loan has fixed payments for 5 years, and then adjusts every year thereafter. Loan payments on this type of loan are calculated up to a 30 year period.

• Fixed Rate Loans
  This is the basic type of home mortgage loan. You can choose up to a 15 year term. Your monthly payment, established at closing remains the same for the life of the loan. 
  

Consumer Loans

If you are looking to purchase a new or used automobile, recreational vehicle let Pioneer Community Bank help you. We offer competitive rates and terms. Our lending personnel are ready and waiting to help you. They will make applying for a loan easy. To find out more information contact any of our full service facilities.

Commercial Lending

Pioneer Community Bank is dedicated to serving our business community by offering a variety of products. Whether expanding an existing business or just getting started Pioneer Community Bank’s loan personnel are ready to meet your needs. Commercial loan products offered include:

• Letters of Credit
• Term Loans
• Commercial Real Estate
• SBA Lending

• Access your information anywhere or anytime
• Transfer funds 
• Make loan payments
• Print account statements
• Best of all “ IT’S FREE”

For questions concerning On-Line banking please call us at 1-304-938-5322 from  8:30am to 4:30pm Monday through Friday.

For access ID or password help, including forgotten ID and/or passwords please call our Operations Department at 1-304-938-5322 from  8:30am to 4:30pm Monday through Friday.

ACCESS 24

With Access 24, Pioneer Community Bank’s 24-Hour Banking Service, Your account information is at your fingertips.

This convenient, automated phone system enables you to bank 24 hours a day, seven days a week by calling our toll free access number 1-877-205-6125.

By dialing this number on your touch-tone telephone, you may then quickly and easily access your account information, make transfers and pay loan payments

Effective August 1, 2006 after your first 10 calls to Access 24 you will be charged a .50 cent fee for each additional call per calendar month.

For more information click here Access 24

DIRECT DEPOSIT

Have your paycheck or other deposits put automatically and electronically into your checking or savings account. Deposits may include salary, Social Security, SSI, Pension or any other regular monthly income

It’s a free service that is convenient, safe and saves you time. With your checks deposited automatically you don’t have to come to the bank. Your checks are deposited even when you are away. It’s Safe!