Credit union · NCUA insured
Pioneer Appalachia FCU
A $245.5M credit union headquartered in Charleston, WV, with 15,071 members and 5 branches in West Virginia. Best rates: savings 0.25% APY.
Pioneer Appalachia FCU Carrot Score
81
Carrot Score
Higher than 57% of U.S. banks and credit unions
#6 of 25 in Huntington, WV-KY-OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Pioneer Appalachia FCU
Founded in 1940 by Kanawha County teachers, Pioneer Appalachia Federal Credit Union is a member-owned financial institution.
The credit union rebranded as Pioneer Appalachia FCU in 2021 and serves members across more than 30 counties.
- Headquarters
- 1316 Kanawha Blvd E, Charleston, WV 25301
- NCUA charter
- 3576
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals are eligible for membership if they live, work, worship, attend school, or volunteer in select eligible communities across West Virginia, Virginia, Maryland, Kentucky, Ohio, and Pennsylvania based on approved census tracts.
Employers and groups
- Volunteer Members of the WVSSPA (headquartered in Charleston, WV) are eligible for membership.
Family and household
- Immediate family members of a current Pioneer member (including spouses, children, parents, grandparents, siblings, and step-relatives) are eligible for membership.
Cost to join
- Joining requires a $5 minimum Share Savings deposit, which represents an ownership stake in the credit union.
Branches
5 branches in West Virginia
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West Virginia
5 branches
Charleston area · 2
- Main OfficeMain office1316 Kanawha Blvd E, Charleston, WV 25301Directions
- South Charleston4802 MacCorkle Ave SW, South Charleston, WV 25309Directions
Huntington area · 2
- Guyandotte416 Main St, Huntington, WV 25702Directions
- Teays Valley3746 Teays Valley Rd, Hurricane, WV 25526Directions
Morgantown area · 1
- University Town Center - Morgantown8980 University Town Centre Drive, Morgantown, WV 26501Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.26% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.07% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.52% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $66 | $76 | — |
- CapitalNet worth ratio11.26%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.07%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$66Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Pioneer Appalachia FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.