Credit union · NCUA insured
Pioneer Appalachia FCU CD Rates
Pioneer Appalachia FCU’s best CD rate is 4.25% APY on a 13-month share certificate (CD), with extra requirements. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Pioneer Appalachia FCU’s CD rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Pioneer Appalachia FCU has the most branches. $10,000, best rate first.
This credit union’s best
Pioneer Appalachia FCU
4.25%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $461
13-Month Certificate
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $373
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
13-Month Certificate
Up to 4.25%APY · 1 term
Guaranteed fixed rate certificate. PFI members unlock rates up to 4.25% APY with checking account and direct deposit. APY accurate as of 1/1/26.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsPFI rate. Requires Primary Financial Institution (PFI) relationship (open checking account and set up direct deposit) | 4.25% | $461 |
| 13 monthsStandard rate | 3.75% | $407 |
Sources (1)
- pioneerafcu.org/savings · captured Oct 22, 2026
11-Month Promotional Share Certificate
3.50%APY · 1 term
Limited-time promotional share certificate. Jumbo and Jumbo Plus rates require Primary Financial Institution (PFI) membership (checking, direct deposit, bill pay/everyday banking). Dividends compounded and credited monthly. Early withdrawal penalty equals 6 months of dividends. Does not automatically renew at promotional rate upon maturity.
| Term | APY · $500 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 11 monthsJumbo Plus pricing. Exclusive to Primary Financial Institution (PFI) members | — | — | 4.00% | —4.00% from $250k | — |
| 11 monthsJumbo pricing. Exclusive to Primary Financial Institution (PFI) members | — | 3.75% | — | —3.75% from $100k | — |
| 11 monthsStandard pricing. Available to all members (PFI and non-PFI) | 3.50% | — | — | 3.50% | $320 |
Sources (4)
- pioneerafcu.org
- pioneerafcu.org/assets/files/i…%20Cert%20Disclosure.pdf
- pioneerafcu.org/resources/rates
- pioneerafcu.org/accounts/share-certificates
All captured Oct 22, 2026
Share Certificates
Up to 0.30%APY · 9 terms
Membership with Pioneer Appalachia Federal Credit Union required. $5 par value required in Primary Share/Savings to open any account. Dividends compounded and credited monthly. Early withdrawal penalty equals 6 months of dividends on the amount withdrawn. Jumbo and Jumbo Plus rates on standard terms require Primary Financial Institution (PFI) membership (checking + direct deposit).
| Term | APY · $500 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsJumbo Plus pricing. Requires Primary Financial Institution (PFI) membership | — | — | 0.10% | —0.10% from $250k | — |
| 3 monthsJumbo pricing. Requires Primary Financial Institution (PFI) membership | — | 0.07% | — | —0.07% $100k–$250k | — |
| 3 monthsStandard pricing. Available to all members | 0.05% | — | — | 0.05% | $1 |
| 6 monthsJumbo Plus pricing. Requires Primary Financial Institution (PFI) membership | — | — | 0.12% | —0.12% from $250k | — |
| 6 monthsJumbo pricing. Requires Primary Financial Institution (PFI) membership | — | 0.10% | — | —0.10% $100k–$250k | — |
| 6 monthsStandard pricing. Available to all members | 0.07% | — | — | 0.07% | $3 |
| 12 monthsJumbo Plus pricing. Requires Primary Financial Institution (PFI) membership | — | — | 0.30% | —0.30% from $250k | — |
| 12 monthsJumbo pricing. Requires Primary Financial Institution (PFI) membership | — | 0.20% | — | —0.20% $100k–$250k | — |
| 12 monthsStandard pricing. Available to all members | 0.10% | — | — | 0.10% | $10 |
| 18 monthsJumbo Plus pricing. Requires Primary Financial Institution (PFI) membership | — | — | 0.32% | —0.32% from $250k | — |
| 18 monthsJumbo pricing. Requires Primary Financial Institution (PFI) membership | — | 0.22% | — | —0.22% $100k–$250k | — |
| 18 monthsStandard pricing. Available to all members | 0.12% | — | — | 0.12% | $18 |
| 24 monthsJumbo Plus pricing. Requires Primary Financial Institution (PFI) membership | — | — | 0.35% | —0.35% from $250k | — |
| 24 monthsJumbo pricing. Requires Primary Financial Institution (PFI) membership | — | 0.20% | — | —0.20% $100k–$250k | — |
| 24 monthsStandard pricing. Available to all members | 0.15% | — | — | 0.15% | $30 |
| 30 monthsJumbo Plus pricing. Requires Primary Financial Institution (PFI) membership | — | — | 0.28% | —0.28% from $250k | — |
| 30 monthsJumbo pricing. Requires Primary Financial Institution (PFI) membership | — | 0.23% | — | —0.23% $100k–$250k | — |
| 30 monthsStandard pricing. Available to all members | 0.18% | — | — | 0.18% | $45 |
| 36 monthsJumbo Plus pricing. Requires Primary Financial Institution (PFI) membership | — | — | 0.30% | —0.30% from $250k | — |
| 36 monthsJumbo pricing. Requires Primary Financial Institution (PFI) membership | — | 0.25% | — | —0.25% $100k–$250k | — |
| 36 monthsStandard pricing. Available to all members | 0.20% | — | — | 0.20% | $60 |
| 48 monthsJumbo Plus pricing. Requires Primary Financial Institution (PFI) membership | — | — | 0.35% | —0.35% from $250k | — |
| 48 monthsJumbo pricing. Requires Primary Financial Institution (PFI) membership | — | 0.30% | — | —0.30% $100k–$250k | — |
| 48 monthsStandard pricing. Available to all members | 0.30% | — | — | 0.30% | $121 |
| 60 monthsJumbo Plus pricing. Requires Primary Financial Institution (PFI) membership | — | — | 0.55% | —0.55% from $250k | — |
| 60 monthsJumbo pricing. Requires Primary Financial Institution (PFI) membership | — | 0.40% | — | —0.40% $100k–$250k | — |
| 60 monthsStandard pricing. Available to all members | 0.30% | — | — | 0.30% | $151 |
Sources (3)
- pioneerafcu.org/assets/files/Siug8M0B
- pioneerafcu.org/resources/rates
- pioneerafcu.org/accounts/share-certificates
All captured Sep 19, 2026
Special-purpose accounts
IRA Share Certificates
Up to 0.30%APY · 3 terms
Available in Traditional or Roth IRA wrapper. Guaranteed fixed rates. $500 minimum balance. Early withdrawal penalty equals 6 months of dividends on the portion withdrawn. Tax penalties may apply to premature IRA distributions. Upon maturity, funds are automatically transferred to IRA account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsTraditional and Roth IRA Certificates | 0.20% | $60 |
| 48 monthsTraditional and Roth IRA Certificates | 0.25% | $100 |
| 60 monthsTraditional and Roth IRA Certificates | 0.30% | $151 |
Sources (3)
- pioneerafcu.org/accounts/individual-retirement-accounts
- pioneerafcu.org/resources/rates
- pioneerafcu.org/accounts/share-certificates
All captured Oct 22, 2026
Who can join Pioneer Appalachia FCU
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.
Membership information collected October 4, 2026.