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 are 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 purchase. Every purchase earns 2× points.

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Points posting and redemption are through UChoose Rewards. Credit approval required. Federally insured by NCUA.
Pioneer Perks Checking

Make everyday spending more rewarding.

1
POINT For every $1 spent*

Earn rewards when you use your Pioneer Perks debit card for everyday purchases.

No Monthly Fee
Keep more of your money
No Minimum Balance
Simple everyday checking
Debit Rewards
Earn points as you spend

Pioneer Perks Checking makes your everyday spending work a little harder. Earn 1 point for every $1 spent on qualifying Pioneer Perks debit card purchases of $5 or more, with no monthly service fee and no minimum balance requirement.

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*Pioneer Perks Checking: E-statements are required to earn points. Debit card must be registered and active with uChoose Rewards before points begin accumulating. Earn 1 point per $1 spent on qualifying debit card transactions of $5.00 or more. Point values may vary during promotional periods. Membership with Pioneer Appalachia Federal Credit Union 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.

See Contact Info

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.

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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.