Pioneer Appalachia FCU

Auto Loans Starting at 4.74% APR*

Drive the payment you want—simple, fast, and local.

Learn More / Apply Shop Cars
*Rates as low as 4.74% APR on approved credit. Actual rate and term based on creditworthiness and other factors. Terms apply.

Earn 2× Points

Everyday Rewards with Your Pioneer Perks Card

2× Points Every Purchase No Annual Fee

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

Learn More
 Points posting and redemption are through UchooseRewards. Credit approval required. Federally insured by NCUA.

Your Credit Score. Anytime, Anywhere. 

Monitor your credit score, get alerts, and see personalized tips—all inside Pioneer Online & Mobile Banking.

Learn More Check Your Score
*Checking your score will not affect your credit. Credit score and monitoring powered by SavvyMoney.

PAFCU Scholarship 2026

Five $1,000 Scholarships • Applications Open

$1,000 Awards 5 Winners Deadline: May 4, 2026

PAFCU is awarding five (5) $1,000 scholarships to support members pursuing higher education. Apply online and submit all required materials by the deadline.

Apply Now  
 
Applicants must be PAFCU members in good standing and meet eligibility requirements. All required materials must be received by the close of business on May 4, 2026. Incomplete or late applications will not be considered. Federally insured by NCUA.

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Join Pioneer!

Embark on a banking partnership that prioritizes your needs above all else!

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Contact Us

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

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Lost or Stolen Card

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

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Forms

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

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Pioneer Auto Shopping

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

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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Mobile Banking App

Your journey to
freedom starts here.

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

  • Rates as low as 4.74% APR
  • No payment for 60 days
  • Fast processing

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

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

  • Earn up to 3.75% APY on 13-month CDs
  • 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.