Credit union · NCUA insured
Pioneer Appalachia FCU Credit Card Rates
Pioneer Appalachia FCU credit cards start at 8.70% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Pioneer Appalachia FCU’s credit card rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Pioneer Appalachia FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Pioneer Appalachia FCU
8.70%APR
Pioneer Visa® Platinum
2nd-lowest rate
Huntington C&O Railway EFCU
9.25%APR
3rd-lowest rate
First Priority Federal Credit Union
10.99%APR
Pioneer Appalachia FCU credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pioneer Appalachia FCU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Pioneer Perks Rewards Visa®
Membership with Pioneer Appalachia Federal Credit Union required. Foreign transaction fees may apply. Card must be registered and active at uchooserewards.com to earn rewards points.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99% | None | APR as low as 11.99% based on creditworthiness, credit history, term, loan-to-value, debt-to-income ratio, and aggregate credit score. Not all applicants will qualify for the lowest rate. Card must be registered at uchooserewards.com to earn points. |
Sources (2)
All captured Oct 7, 2026
Pioneer Visa® Platinum
Membership with Pioneer Appalachia Federal Credit Union required. Foreign transaction fees may apply. Variable APR based on WSJ Prime Rate plus a margin, adjusting monthly on the first day of the billing cycle.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.45% | None | Variable APR as low as 8.45% based on the WSJ Prime Rate plus a margin. Rate adjusts monthly on the first day of the billing cycle. Not all applicants will qualify for the lowest rate. Actual rate depends on individual creditworthiness. Any increase in APR will take the form of additional minimum payments. If the Prime Rate index becomes unavailable, a comparable replacement index will be substituted. |
Sources (2)
All captured Oct 7, 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.