Pioneer Bank & Trust Facebook
Pioneer Bank & Trust Twitter
Pioneer Bank & Trust Instagram
Pioneer Bank & Trust LinkedIn
Pioneer Bank & Trust Youtube
Online Banking Login

Enroll Now

Forgot Password

Apply For Real Estate Loan
Open An Account
Apply For Vehicle Loan
Online Banking
Enroll
Login
Pioneer Bank & Trust Facebook
Pioneer Bank & Trust Twitter
Pioneer Bank & Trust Instagram
Pioneer Bank & Trust LinkedIn
Pioneer Bank & Trust Youtube

Tune in to The Local Podcast!

Pioneer Bank & Trust Local Podcast

Tune in to The Local Podcast!

Pioneer Bank & Trust Local Podcast

SEP IRA’s

SEP IRA

What is a SEP IRA?

SEP (Simplified Employee Pension) IRA Certificate of Deposit

  • A SEP IRA is a type of traditional IRA for self-employed individuals, business owners and ranchers/farmers. 
  • A SEP is easy to setup and an affordable way to save for retirement. Take advantage of a SEP by the tax filing plus extension due date.
  • A SEP IRA is a tax-deductible benefit to the business owner.
  • A SEP IRA has higher contribution limits than regular IRAs: 25% of income up to $70,000 maximum contribution for 2025 or $69,000 maximum contribution for 2024.
  • A SEP IRA will grow tax-deferred until distribution.
Simply inquire about setting up a SEP IRA Certificate of Deposit with your Personal Banker today. Consult your tax professional to determine eligibility. 
 
 
 

Leaving Pioneer Bank & Trust

You are now leaving the Pioneer Bank & Trust website. This site may have a privacy policy and security different than Pioneer Bank & Trust.

Non-Deposit Investments available through Pioneer Bank & Trust are not deposits, not FDIC insured, not insured by any federal agency, not guaranteed by any bank, and may lose value.

Cancel
Continue

Try our official mobile apps!

Pioneer Bank & Trust Apple App
Pioneer Bank & Trust Google App

Leaving Pioneer Bank & Trust

You are now leaving the Pioneer Bank & Trust website. This site may have a privacy policy and security different than Pioneer Bank & Trust.

Cancel
Continue
document.addEventListener('DOMContentLoaded', function () { // Target anchor tags that act like buttons var fauxButtons = document.querySelectorAll('a[href="#"]:not([role="button"])'); fauxButtons.forEach(function (el) { // Add role el.setAttribute('role', 'button'); // Ensure tabindex for non-native focusable elements if (!el.hasAttribute('tabindex')) { el.setAttribute('tabindex', '0'); } // Add aria-pressed for toggle-style buttons (optional) if (!el.hasAttribute('aria-pressed')) { el.setAttribute('aria-pressed', 'false'); } // Add keyboard support el.addEventListener('keydown', function (e) { if (e.key === 'Enter' || e.key === ' ') { e.preventDefault(); el.click(); } }); // Prevent default for href="#" el.addEventListener('click', function (e) { e.preventDefault(); }); }); });