Pioneer Appalachia Federal Credit Union
Everything We Offer,
Everything We Offer,
All in One Place.
Serving 17,000+ members across West Virginia, Ohio, and Kentucky since 1940. Not a bank — a credit union. Everything we earn goes back to you.
1940 Founded
17K+ Members
$0 Annual card fees
Auto Loans from 4.74% APR* 13-Month Certificate — 3.75% APY** Earn 2× Points — Perks Rewards Card Scholarship Applications Open — Deadline May 4
Spend
Checking, credit cards & digital banking
Checking Rewards
Pioneer Perks Checking
Earn points on every debit purchase. No monthly fees, no minimum balance, 300K+ free ATMs.
Learn more →Checking
Everyday Checking
No fees, no fuss. A straightforward checking account for everyday banking.
Learn more →Checking Ages 14–21
Smart Start Checking
Built for teens and young adults. Earns rewards, teaches budgeting, zero monthly fees.
Learn more →Checking
Second Chance Checking
A fresh start for members who don't qualify for standard checking. Direct deposit required.
Learn more →Credit Card 2× Points
Pioneer Perks Rewards Visa®
Earn 2 points per $1 on every purchase. No annual fee. Redeem for cash, travel, or gift cards.
From 11.99% APR† Learn more →Credit Card Low Rate
Visa® Platinum
Simple, low-rate spending and balance management. No annual fee. Accepted worldwide.
From 8.45% APR† Learn more →Service
Online & Mobile Banking
Check balances, deposit checks, pay bills, and transfer funds — free, 24/7, from any device.
Learn more → Compare all checking accounts side by side →
Borrow
Auto, home, personal loans & more
Loan Most Popular
Auto Loans
New or used, purchase or refinance. Local decisions, fast approvals, and rates that beat the dealer.
From 4.74% APR* (3.74% with PFI) Learn more →Loan
Home Loans
Mortgages and home equity loans with lenders who live right next door. West Virginia real estate, done right.
Learn more →Loan
Personal Loans
Quick approvals for life's unexpected expenses — debt consolidation, home improvements, or anything in between.
Learn more →Loan
RV & Recreational Loans
Finance your next adventure — RVs, boats, motorcycles, and more. Flexible terms, competitive rates.
Learn more →Current Promotion
Auto Loans from 4.74% APR
Save an extra 1% with PFI membership. Fast local decisions.
Save
Savings accounts, certificates & retirement
Savings
Share Savings
Your membership account. Keep as little as $5 and your share is always working for you.
Learn more →Savings
Money Market Account
Higher rates for higher balances. Tiered APY up to 1.00% with a $500 minimum to earn dividends.
Learn more →Certificate 3.75% APY
Share Certificates
Lock in a rate and watch your money grow. 13-month promo certificate earns 3.75% APY with just $500 to open.
13-month promo: 3.75% APY** Learn more →Retirement
IRA Accounts
Traditional and Roth IRA certificates to help you build tax-advantaged retirement savings.
Learn more →Savings
"You Choose" Savings
Goal-based savings account for whatever you're working toward. Earn 0.10% APY with no minimum balance.
Learn more →Savings
Club Accounts
Christmas Club and Vacation Club accounts — earmark savings automatically so you're never caught short.
Learn more →Savings Ages 14–21
Smart Start Savings
3.00% APY on balances up to $10,000 for teen and student savers. The best rate in the house for young members.***
3.00% APY up to $10,000*** Learn more → View all current rates →
Learn & Connect
Financial education, community & member resources
Education Free
Financial Education Hub
Interactive lessons, calculators, and tools covering budgeting, saving, credit, and smart spending. Built for all ages.
Explore lessons →Community Open Now
PAFCU Scholarship
Five $1,000 scholarships for eligible Pioneer AFCU members pursuing higher education. Deadline: May 4, 2026.
Apply now →About
About Pioneer AFCU
Founded in 1940, locally rooted, member-owned. Learn who we are and why we're different from a bank.
Our story →Locations
Branch Locations & Hours
Serving 30+ counties in WV, OH, and KY. Find the branch nearest you, with hours and contact details.
Find a branch →Service
Mobile App & Online Banking
Available for iPhone and Android. Deposit checks, pay bills, transfer funds — free, secure, 24/7.
Learn more →Service
Free ATM Access
300,000+ surcharge-free ATMs nationwide through our shared network. Your money, anywhere.
Learn more →Security
Fraud Prevention & Alerts
Stay one step ahead. We track emerging scam trends and share what you need to know to stay protected.
View alerts →Community
Member Stories
"Banking at Pioneer has been a blessing." Read what our members say about working with us.
Read stories →Quick Links
*Auto loan APR as low as 4.74% based on credit approval. PFI (Primary Financial Institution) rate of 3.74% APR requires active Pioneer AFCU checking account with direct deposit established within 90 days. Not all applicants will qualify for the lowest rate. Rates subject to change.
**13-Month Promotional Share Certificate APY of 3.75% accurate as of 1/1/26. Minimum deposit $500. Early withdrawal penalty applies. Limited-time offer subject to change or discontinuation without notice. See Promotional Certificate Terms and Truth in Savings Disclosure for full details.
***Smart Start Savings 3.00% APY on balances up to $10,000. Available to members ages 14–21. Rate transitions to standard savings rate at end of month member turns 22. See Smart Start Savings Disclosure.
†Pioneer Perks Rewards Visa® APR as low as 11.99%. Visa® Platinum APR as low as 8.45% (variable, based on WSJ Prime Rate). Not all applicants will qualify for the lowest rate. No annual fee on either card. Foreign transaction fees may apply. See Visa Application and Solicitation Disclosure.
Membership with Pioneer Appalachia Federal Credit Union required. Federally insured by the NCUA. Equal Housing Lender.