Pioneer Appalachia FCU

Auto Loans Starting at 4.24% APR*

Members with Pioneer checking and direct deposit may qualify for rates as low as 3.74% APR.

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*APR = Annual Percentage Rate. Rates are subject to credit approval and may vary based on creditworthiness, term and other factors. Membership required.

No Fees. Keep 100%

Extended through Dec. 31 — we cover standard fees for coin and cash transfers.

Learn More
*Standard fees for coin and cash transfers are covered for Pioneer AFCU members using a Pioneer debit card at Coinstar® kiosks through 12/31/26. Terms apply.

Earn 2× Points

Everyday Rewards with Your Pioneer Perks Card

2× Points Every Purchase No Annual Fee

Earn rewards on every purchase. Every purchase earns 2× points.

Learn More
Points posting and redemption are through UChoose Rewards. Credit approval required. Federally insured by NCUA.
Featured at Pioneer
Pioneer Perks Checking
1
POINT For every $1 spent*

Earn points when you use your Pioneer Perks debit card for qualifying everyday purchases.

No Monthly Fee No Minimum Balance
Open an Account
*Pioneer Perks Checking: Rewards terms and qualifying transaction requirements apply. Membership required. Federally insured by NCUA.
Find Your Next Move

Ready to

Explore accounts, auto loans, credit cards, home loans and membership at Pioneer.

Whatever you're planning next, Pioneer can help you get there. Choose where you want to start.

Buy or Refinance a Vehicle Explore auto loan options and rates Open an Account Compare checking and savings options Credit Cards Find the card that fits how you spend Finance a Home Explore mortgage and home loan options
Not a Pioneer member yet? Join Pioneer

Contact Us

How can we help you get to where you want to be?

Get in Touch

Lost or Stolen Card

To report your card lost or stolen, contact us during operating hours.

See Contact Info

Forms

Access forms and documents that will come in very handy for you as a member!

See Forms

Pioneer Auto Shopping

Looking for a new car? Research local deals and save time and money!

Compare with Auto Shopping

On the go?

JOIN US ON YOUR PHONE

Easily check your accounts, send money, and stay on top of your finances anytime, anywhere. With secure access and real-time updates, our app makes managing your money simple and stress-free.

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Your journey to
freedom starts here.

Get behind the wheel faster with low rates and flexible terms.

  • Rates starting at 4.24% APR*
  • As low as 3.74% APR with Pioneer checking + direct deposit*
  • Terms up to 84 months

Whether it’s a big purchase or everyday rewards, Pioneer has your back.

  • Earn points with our Perks Debit and Credit Cards
  • Flexible personal loans with quick approvals*
  • Track your spending with our mobile app
*Loans are subject to credit approval

Turn your goals into reality with high-earning savings and smart lending tools.

  • Earn up to 3.50% APY on 11-month Certificate*
  • Home Loans for what matters most
  • Smart Start accounts for students & young savers
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Member Stories


“My financial advocate was knowledgeable, polite and friendly.
Banking at Pioneer has been a blessing.”

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Locations and Hours


We'd love to see you in person! Please feel free to drop into any branch location near you.

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Credit Cards


Flexible shopping, easier budgeting, and fun points and prizes — our credit card options make it easy to live life to the fullest.