Savings Accounts
Regular Share Savings
With just $5, you become a part-owner of Pioneer — unlocking access to all of our products, rates, and services. It's the best kept secret in West Virginia.
$5 to Open No Monthly Fees Tiered Dividends Unlimited Withdrawals
$5 Minimum to open & join
$0 Monthly service charges
Key Features
Tiered Dividends
Higher balances earn more — paid monthly
No Monthly Fee
No service charges — ever
Unlimited Withdrawals
Access your money whenever you need it
Your Gateway to Membership
$5 Makes You an Owner of Pioneer
Unlike a traditional bank account, your Share Savings account establishes your full membership at Pioneer Appalachia Federal Credit Union. As a member-owner, you have a voice in how the credit union is run — and access to every product and service we offer, at rates that put you first.
$5 All it takes to join Pioneer
What's Included
- Establishes full Pioneer AFCU membership
- Competitive, tiered dividends paid monthly
- Higher dividend rates to reward higher balances
- No monthly service charges
- Unlimited monthly withdrawals
- $5 minimum deposit to open and maintain membership
Banking Tools
- Free digital banking with mobile check deposit
- Access to thousands of surcharge-free ATMs nationwide
- Real-time balance and transaction alerts
- Federally insured by the NCUA
- Qualifies you for all Pioneer loans and services
The Credit Union Difference
You're an Owner
Every member is a part-owner of the credit union. Your $5 gives you a vote and a voice in how Pioneer operates.
Profits Go Back to You
We're not-for-profit. Earnings are returned to members through better rates, lower fees, and improved services.
Rooted in West Virginia
Founded in 1940, Pioneer has served Appalachian communities for over 80 years. We know this region because we live here too.
Want to earn more on your savings? Explore Money Market Accounts, Share Certificates, and more — all available to members.
View All Savings Options →Start your Pioneer membership for just $5.
Open your Share Savings account online or at any branch location.
*Data carrier rates may apply for digital and mobile banking. A minimum balance of $5 is required to open and maintain membership. Membership with Pioneer Appalachia Federal Credit Union required. Federally insured by the NCUA.
Member Stories
“My financial advocate was knowledgeable, polite and friendly.
Banking at Pioneer has been a blessing.”