Credit union · NCUA insured
Pioneer Appalachia FCU Savings Rates
Pioneer Appalachia FCU’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Pioneer Appalachia FCU’s savings 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
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
CommunityAmerica Credit Union
3.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Pioneer Appalachia FCU savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0003.00%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Pioneer Appalachia FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Advantage
3.00%APY
Membership with Pioneer Appalachia Federal Credit Union required. Minimum deposit and balance of $25,000 required. No monthly service charge. One free withdrawal per month; $5 fee for each additional withdrawal. Par value of $5 in Primary Share/Savings required to open account. Dividends compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upRequires a minimum deposit and balance of $25,000. No monthly service charge.$25,000 and up | 3.00% | — | Requires a minimum deposit and balance of $25,000. No monthly service charge. |
Sources (3)
- pioneerafcu.org/assets/files/Siug8M0B
- pioneerafcu.org/resources/rates
- pioneerafcu.org/accounts/money-market-account
All captured Sep 19, 2026
Money Market Account
0.25%APY
Membership with Pioneer Appalachia Federal Credit Union required. Minimum $500 daily balance required to earn dividends. No monthly fee. One free withdrawal per month; $5 fee for each additional withdrawal. Par value of $5 in Primary Share/Savings required to open account. Dividends compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Minimum $500 to earn dividends. No monthly fee. | 0.25% | $25 | Minimum $500 to earn dividends. No monthly fee. |
| $25,000 – $50,000Minimum $500 to earn dividends. No monthly fee. | 0.50% | — | Minimum $500 to earn dividends. No monthly fee. |
| $50,000 – $75,000Minimum $500 to earn dividends. No monthly fee. | 0.75% | — | Minimum $500 to earn dividends. No monthly fee. |
| $75,000 – $100,000Minimum $500 to earn dividends. No monthly fee. | 1.00% | — | Minimum $500 to earn dividends. No monthly fee. |
| $100,000 – $150,000Minimum $500 to earn dividends. No monthly fee. | 1.00% | — | Minimum $500 to earn dividends. No monthly fee. |
| $150,000 – $250,000Minimum $500 to earn dividends. No monthly fee. | 1.00% | — | Minimum $500 to earn dividends. No monthly fee. |
| $250,000 and upMinimum $500 to earn dividends. No monthly fee. | 1.00% | — | Minimum $500 to earn dividends. No monthly fee. |
Sources (3)
- pioneerafcu.org/assets/files/Siug8M0B
- pioneerafcu.org/resources/rates
- pioneerafcu.org/accounts/money-market-account
All captured Sep 19, 2026
"You Choose" Savings
0.10%APY
No minimum deposit or balance to open. No monthly service charges. Member selects custom payout date at account opening. $25 early withdrawal fee per withdrawal before selected payout date. Account remains open after transfer. Membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMin. to earn dividends $0. Automatic payout on date selected by member.Any balance | 0.10% | $10 | Min. to earn dividends $0. Automatic payout on date selected by member. |
Sources (3)
- pioneerafcu.org/accounts/you-choose-savings
- pioneerafcu.org/assets/files/Siug8M0B
- pioneerafcu.org/resources/rates
All captured Sep 24, 2026
Regular Share (Savings)
0.01%APY
Requires $5 minimum balance to open and maintain membership in PAFCU. Dividends compounded and credited monthly. Optional $1.00 fee per mailed paper statement (free online statements). Unlimited monthly withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.01% | $1 |
| $25,000 – $50,000 | 0.02% | — |
| $50,000 – $75,000 | 0.03% | — |
| $75,000 – $100,000 | 0.04% | — |
| $100,000 – $150,000 | 0.05% | — |
| $150,000 – $250,000 | 0.08% | — |
| $250,000 and up | 0.10% | — |
Sources (4)
- pioneerafcu.org/assets/files/Siug8M0B
- pioneerafcu.org/resources/rates
- pioneerafcu.org/savings
- pioneerafcu.org/accounts/share-savings
All captured Sep 24, 2026
Special-purpose accounts
Smart Start Savings
3.00%APY
Available to members aged 14–21. Must be opened in-branch. A parent or legal guardian must be present and jointly open the account for members under 18. No minimum balance requirements. $0 monthly fees. Rate transitions to standard savings rate at the end of the month in which the member turns 22.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Applies on balances up to $10,000 for members aged 14–21 through the end of the month member turns 22. Balances above $10,000 earn a lower rate. Must be opened in-branch.Up to $10,000 | 3.00% | $300 | Applies on balances up to $10,000 for members aged 14–21 through the end of the month member turns 22. Balances above $10,000 earn a lower rate. Must be opened in-branch. |
Sources (1)
- pioneerafcu.org/smart-start · captured Oct 15, 2026
Individual Retirement Accounts
0.35%APY
Traditional and Roth IRA options. No setup fees, monthly fees, or annual maintenance fees. $500 minimum deposit to open. Tax penalties and credit union penalties may apply to premature distributions/early withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional IRA Account.Any balance | 0.35% | $35 | Traditional IRA Account. |
Sources (1)
- pioneerafcu.org/assets/files/Siug8M0B · captured Oct 15, 2026
Christmas Club
0.10%APY
No minimum balance or deposit to open. No monthly service fees. Funds automatically released on November 1st. $25 early withdrawal fee per withdrawal before November 1st. Account remains open after transfer. Membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAutomatic payout on November 1st.Any balance | 0.10% | $10 | Automatic payout on November 1st. |
Sources (2)
All captured Oct 15, 2026
Vacation Club
0.10%APY
No minimum balance or deposit to open. No monthly service fees. Funds automatically released on June 1st. $25 early withdrawal fee per withdrawal before June 1st. Account remains open after transfer. Membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAutomatic payout on June 1st.Any balance | 0.10% | $10 | Automatic payout on June 1st. |
Sources (2)
All captured Oct 15, 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.