Pioneer Appalachia FCU

Auto Loans Starting at 3.74% APR*

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

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*Rates as low as 3.74% APR on approved credit. Actual rate and term based on creditworthiness and other factors. Terms apply.

No Fees. Keep 100%

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

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*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 swipe. Every purchase earns 2× points.

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 Points posting and redemption are through UchooseRewards. Credit approval required. Federally insured by NCUA.
Pioneer Visa® Platinum

When the rate matters, choose Platinum.

Variable APR as low as

8.45% APR*

Prime-Based Rate  ·  No Annual Fee  ·  Worldwide Visa®

 
Low Variable Rate
Based on the
Prime Rate
No Annual Fee
$0, always
Worldwide Visa®
Use it
anywhere

The Pioneer Visa® Platinum keeps it simple — a low variable rate, no annual fee, and no points to chase. A smart pick for everyday spending and paying down a balance without big-bank interest.

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Variable APR as low as 8.45% based on the WSJ Prime Rate plus a margin. Rate adjusts monthly on the first day of the billing cycle. Not all applicants will qualify for the lowest rate. No annual fee. Foreign transaction fees may apply. Membership required. Federally insured by NCUA.

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.

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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!

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.

APP STORE GOOGLE PLAY
 
Mobile Banking App

Your journey to
freedom starts here.

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

  • Rates as low as 3.74% 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
*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.