What are the current interest rates at Pioneer Appalachia Federal Credit Union?

Current rates for Pioneer Appalachia Federal Credit Union include: 12-Month CD: 0.10%, 18-Month CD: 0.12%, 24-Month CD: 0.15%, 60-Month CD: 0.30%, Savings: 0.10%, MMA: 3.00%

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Pioneer Appalachia Federal Credit Union

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Pioneer Appalachia Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pioneer Appalachia Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Pioneer Appalachia Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 11-Month Promotional CD - Jumbo Plus, 0.10% APY on savings, 3.00% APY on money market accounts, 0.01% APY on checking, auto loans from 3.99% APR, and credit cards from 8.45% APR, according to rates verified by MonitorBankRates. Other Pioneer Appalachia Federal Credit Union CD rates include 11-Month Promotional CD - Jumbo at 3.75%, 11-Month Promotional CD at 3.50%, and 60 Month CD at 0.55%. MonitorBankRates evaluates the financial stability of Pioneer Appalachia Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.38%. Rates last updated and verified on 10/12/2026.

Pioneer Appalachia Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pioneer Appalachia Federal Credit Union? Share your experience about Pioneer Appalachia Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Pioneer Appalachia Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.38%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Pioneer Appalachia Federal Credit Union
Main Office

1316 Kanawha Blvd E
Charleston, WV 25301

https://www.pioneerwv.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Pioneer Appalachia Federal Credit Union CD Rates

Product	Rate	APY	Term
11-Month Promotional Share Certificate - Jumbo Plus	3.92%	4.00%	11 Months
Min Deposit $250,000 Details PFI only** Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
11-Month Promotional Share Certificate - Jumbo	3.68%	3.75%	11 Months
Min Deposit $100,000 Details PFI only** Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
11-Month Promotional Share Certificate	3.44%	3.50%	11 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
60 Month Share Certificate	-	0.55%	60 months
Min Deposit $250,000 Details Jumbo Plus APY; Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
60 Month Share Certificate	-	0.40%	60 months
Min Deposit $100,000 Details Jumbo APY; Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
24 Month Share Certificate	-	0.35%	24 months
Min Deposit $250,000 Details Jumbo Plus APY; Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
48 Month Share Certificate	-	0.35%	48 months
Min Deposit $250,000 Details Jumbo Plus APY; Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
18 Month Share Certificate	-	0.32%	18 months
Min Deposit $250,000 Details Jumbo Plus APY; Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.32% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
12 Month Share Certificate	-	0.30%	12 months
Min Deposit $250,000 Details Jumbo Plus APY; Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
36 Month Share Certificate	-	0.30%	36 months
Min Deposit $250,000 Details Jumbo Plus APY; Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
48 Month Share Certificate	-	0.30%	48 months
Min Deposit $500 Details Standard APY; Balance: $500 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
48 Month Share Certificate	-	0.30%	48 months
Min Deposit $100,000 Details Jumbo APY; Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
60 Month Share Certificate	-	0.30%	60 months
Min Deposit $500 Details Standard APY; Balance: $500 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Traditional & Roth IRA Certificates - 60 month	-	0.30%	60 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
30 Month Share Certificate	-	0.28%	30 months
Min Deposit $250,000 Details Jumbo Plus APY; Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.28% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
36 Month Share Certificate	-	0.25%	36 months
Min Deposit $100,000 Details Jumbo APY; Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Traditional & Roth IRA Certificates - 48 month	-	0.25%	48 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
30 Month Share Certificate	-	0.23%	30 months
Min Deposit $100,000 Details Jumbo APY; Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.23% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
18 Month Share Certificate	-	0.22%	18 months
Min Deposit $100,000 Details Jumbo APY; Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.22% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
12 Month Share Certificate	-	0.20%	12 months
Min Deposit $100,000 Details Jumbo APY; Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
24 Month Share Certificate	-	0.20%	24 months
Min Deposit $100,000 Details Jumbo APY; Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
36 Month Share Certificate	-	0.20%	36 months
Min Deposit $500 Details Standard APY; Balance: $500 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Traditional & Roth IRA Certificates - 36 month	-	0.20%	36 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
30 Month Share Certificate	-	0.18%	30 months
Min Deposit $500 Details Standard APY; Balance: $500 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.18% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
24 Month Share Certificate	-	0.15%	24 months
Min Deposit $500 Details Standard APY; Balance: $500 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
18 Month Share Certificate	-	0.12%	18 months
Min Deposit $500 Details Standard APY; Balance: $500 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.12% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
6 Month Share Certificate	-	0.12%	6 months
Min Deposit $250,000 Details Jumbo Plus APY; Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.12% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
12 Month Share Certificate	-	0.10%	12 months
Min Deposit $500 Details Standard APY; Balance: $500 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
3 Month Share Certificate	-	0.10%	3 months
Min Deposit $250,000 Details Jumbo Plus APY; Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
6 Month Share Certificate	-	0.10%	6 months
Min Deposit $100,000 Details Jumbo APY; Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
3 Month Share Certificate	-	0.07%	3 months
Min Deposit $100,000 Details Jumbo APY; Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
6 Month Share Certificate	-	0.07%	6 months
Min Deposit $500 Details Standard APY; Balance: $500 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
3 Month Share Certificate	-	0.05%	3 months
Min Deposit $500 Details Standard APY; Balance: $500 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%

Pioneer Appalachia Federal Credit Union Savings Rates

Product	Rate	APY
"You Choose" Savings	-	0.10%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Christmas Club	-	0.10%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Share Savings	-	0.10%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Vacation Club	-	0.10%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Share Savings	-	0.075%
Min Balance $150,000 Details Balance: $150,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Share Savings	-	0.05%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Share Savings	-	0.04%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Share Savings	-	0.03%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Share Savings	-	0.02%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Share Savings	-	0.01%
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%

Pioneer Appalachia Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Advantage	2.96%	3.00%
Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Money Market	-	1.00%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Money Market	-	1.00%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Money Market	-	1.00%
Min Balance $150,000 Details Balance: $150,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Money Market	-	1.00%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Money Market	-	0.75%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Money Market	-	0.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Money Market	-	0.25%
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%

Pioneer Appalachia Federal Credit Union Checking Rates

Product	Rate	APY
Everyday Checking	-	0.01%
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Second Chance Checking	-	0.01%
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%

Pioneer Appalachia Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loans	-	-	3.99%
Details As low as with Pioneer checking + direct deposit. Rates are subject to credit approval and may vary based on creditworthiness, term and other factors. Membership required. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 4.24% → 3.99% ▼ 0.25 pts · high 4.24% / low 3.99% Oct 4, 20263.99%▼ from 4.24% Sep 16, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Auto Loans	-	-	4.99%
Details Rates are subject to credit approval and may vary based on creditworthiness, term and other factors. Membership required. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 4.24% → 4.99% ▲ 0.75 pts · high 4.99% / low 4.24% Oct 4, 20264.99%▲ from 4.24% Sep 16, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%

Pioneer Appalachia Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	8.45%
Details As Low As; *** Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Pioneer Perks Rewards Credit Card	-	11.99%
Details As Low As; ** Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%

Pioneer Appalachia Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA Accounts	-	-	0.35%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Pioneer Appalachia Federal Credit Union’s Texas Ratio fell from 0.93% in Q3 2023 to 0.38% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$245M	0.38%	5.0	A+
March 31, 2026	$245M	0.27%	5.0	A+
December 31, 2025	$239M	0.81%	5.0	A+
September 30, 2025	$233M	0.56%	5.0	A+
June 30, 2025	$234M	0.76%	5.0	A+
March 31, 2025	$226M	0.47%	5.0	A+
December 31, 2024	$220M	0.82%	5.0	A+
September 30, 2024	$217M	0.83%	5.0	A+
June 30, 2024	$225M	0.73%	5.0	A+
March 31, 2024	$229M	1.22%	5.0	A+
December 31, 2023	$228M	1.19%	5.0	A+
September 30, 2023	$226M	0.93%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Pioneer Appalachia Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Pioneer Appalachia Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Pioneer Appalachia Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Pioneer Appalachia Federal Credit Union

Website https://www.pioneerwv.org

Address 1316 Kanawha Blvd E, Charleston, WV 25301

Phone 304-348-6648

Fax 304-347-7473

President Martin Langlois

CEO Trevor Hyre

Full-Time Employees 37

Part-Time Employees 0

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.38%

Return on Assets (ROA)

0.2581%

Return on Equity (ROE)

2.2929%

Non-Performing Loans Ratio (NPL)

0.07%

Total Assets

245,191,056

Total Amount of Shares and Deposits

216,770,055

Total Shares and Deposits < 1 Year

215,638,109

Total Shares and Deposits 1 3 Years

803,909

Total Shares and Deposits > 3 Years

328,037

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

15,856,369

Total Uninsured Shares and Deposits > $250K (F+J)

15,856,369

Total Insured Shares and Deposits > $250K (item 17 less item K)

200,913,686

Total Interest Expense (Sum of items 6 8)

1,160,284

Share Certificates

797

Number of Accounts for Share Drafts

9,804

IRA KEOGH Accounts

230

Number of Accounts for Regular Shares

17,141

All other shares

719

Money Market Shares

509

Net Income (unless the amount is already included in Undivided Earnings)

632,826

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

39,411,263

Total Liabilities

217,852,981

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Pioneer Appalachia Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Pioneer Appalachia Federal Credit Union

How many branches does Pioneer Appalachia Federal Credit Union operate?

Pioneer Appalachia Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Pioneer Appalachia Federal Credit Union?

Yes, to access services at Pioneer Appalachia Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Pioneer Appalachia Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pioneer Appalachia Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Pioneer Appalachia Federal Credit Union offer online and mobile banking?

Most modern institutions like Pioneer Appalachia Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pioneerwv.org.

Current Pioneer Appalachia Federal Credit Union Rates

12-Month CD0.10%
18-Month CD0.12%
24-Month CD0.15%
60-Month CD0.30%
Savings0.10%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

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Pioneer Appalachia Federal Credit Union Rates & Review October 2026

Brian McKay

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Pioneer Appalachia Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Pioneer Appalachia Federal Credit Union

How many branches does Pioneer Appalachia Federal Credit Union operate?

Is a member application needed to join Pioneer Appalachia Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Pioneer Appalachia Federal Credit Union offer online and mobile banking?

Current Pioneer Appalachia Federal Credit Union Rates

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