Rooted in history. Focused on your future.

Pioneer Appalachia Federal Credit Union has been empowering members since 1940. What began as a small credit union for Kanawha County teachers has grown into a trusted financial partner for over 19,000 members across West Virginia, Ohio, and Kentucky.

Our mission? Simple:

• Support those with modest means.

• Encourage healthy saving habits.

• Offer affordable, responsible credit.

• Put people first—always.

We were built on the belief that financial institutions should serve people, not profit. That’s why we’re member-owned, community-focused, and committed to being your lifelong financial guide.

Our Story

In 1940, a group of dedicated educators came together with a bold idea: create a credit union that served teachers—not banks. Led by Charleston native John Roach, the credit union grew steadily, one member at a time.

Over the decades, we’ve expanded—adding branches, growing our field of membership, and evolving with the times. In 2021, we became Pioneer Appalachia FCU to better reflect our regional reach and commitment to all communities in the Appalachian region.

Today, with more than $200 million in assets, we provide everything from checking accounts and loans to digital tools and personalized service—all designed to help you thrive.

Where We Serve

Our services are available to anyone who lives, works, worships, or volunteers in 30+ counties across West Virginia, Ohio, and Kentucky—and to members across the U.S.

Why We Exist

We’re more than a credit union. We’re your financial compass—here to help you navigate life with confidence.