Pioneer Appalachia Federal Credit Union

Headquarters: Charleston, West Virginia
Charter: Credit Union
Assets: $245.2M
Fed district: Richmond

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Pioneer Appalachia Federal Credit Union: $12
Pioneer Appalachia Federal Credit Union: $12
U.S. median: no median
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
Pioneer Appalachia Federal Credit Union: $5 to $35
Pioneer Appalachia Federal Credit Union: $5 to $35
U.S. median: no median
NSF / Returned Item
Pioneer Appalachia Federal Credit Union: $35
Pioneer Appalachia Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for West Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
West Virginia: Banks and credit unions headquartered in West Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Pioneer Appalachia Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Second Chance Share Draft/Checking comes with a Monthly service charge$12
per month
Account Research ServicesNo charge
Printed & Mailed Statements$1
Returned Mail$5

Overdraft & NSF

Courtesy Pay fee$18
Courtesy Pay fee$5
Courtesy Pay fee$30
Courtesy Pay fee$25
Courtesy Pay fee$35
Courtesy Pay fee$12
Courtesy Pay Fee (negative balance $300.01 – $500.00)$35
per item
NSF/Returned Items$35
per item

Check Services

Cashier’s Check$5
per item
Stop Payment$35
per item
Counter Checks$4
Not compared: Charged per page; comparison unavailable
per page
Member Check Cashing (audience not stated, treated as personal)3%
Check Photocopy$5
per item
Official Check Photocopy$5
per item

Digital & Electronic

Bill Payment Return Fee cover this cost$10

Cash & Deposit

Coin Sorter12%
Non‐Pioneer Credit or Debit Cash Advance$2
per item
Non‐Pioneer Credit or Debit Cash Advance (audience not stated, treated as personal)4%of the advance
Deposited Item Return$35
per item

Account Services

Notary Public service Free to members. Non‐members are charged$5
Safe Deposit Box 10” x 10”$84
Safe Deposit Box 3” x 5”$36
Safe Deposit Box 4” x 5”$48
Safe Deposit Box 5” x 10”$72
Safe Deposit Box: 5” x 5”$60
Tax Levy/Garnishment$150

Lending Fees

Consumer Loan Late Payment5%($10 minimum, $30 maximum)

Other Fees

Overnight Delivery$30
Document Copies$3
per item
Fax Service$2.50
Not compared: Charged per page; comparison unavailable
per page
Loan Application After 3 Denials within 12 Months$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Second Chance Share Draft/Checking comes with a Monthly service charge	$12	per month	None
Account Research Services	No charge	Not stated	None
Printed & Mailed Statements	$1	Not stated	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Courtesy Pay fee	$18	Not stated	None
Courtesy Pay fee	$5	Not stated	None
Courtesy Pay fee	$30	Not stated	None
Courtesy Pay fee	$25	Not stated	None
Courtesy Pay fee	$35	Not stated	None
Courtesy Pay fee	$12	Not stated	None
Courtesy Pay Fee (negative balance $300.01 – $500.00)	$35	per item	None
NSF/Returned Items	$35	per item	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment	$35	per item	None
Counter Checks	$4Not compared: Charged per page; comparison unavailable	per page	None
Member Check Cashing (audience not stated, treated as personal)	3%	Not stated	None
Check Photocopy	$5	per item	None
Official Check Photocopy	$5	per item	None
Digital & Electronic
Bill Payment Return Fee cover this cost	$10	Not stated	None
Cash & Deposit
Coin Sorter	12%	Not stated	None
Non‐Pioneer Credit or Debit Cash Advance	$2	per item	None
Non‐Pioneer Credit or Debit Cash Advance (audience not stated, treated as personal)	4%of the advance	Not stated	None
Deposited Item Return	$35	per item	None
Account Services
Notary Public service Free to members. Non‐members are charged	$5	Not stated	None
Safe Deposit Box 10” x 10”	$84	Not stated	None
Safe Deposit Box 3” x 5”	$36	Not stated	None
Safe Deposit Box 4” x 5”	$48	Not stated	None
Safe Deposit Box 5” x 10”	$72	Not stated	None
Safe Deposit Box: 5” x 5”	$60	Not stated	None
Tax Levy/Garnishment	$150	Not stated	None
Lending Fees
Consumer Loan Late Payment	5%($10 minimum, $30 maximum)	Not stated	None
Other Fees
Overnight Delivery	$30	Not stated	None
Document Copies	$3	per item	None
Fax Service	$2.50Not compared: Charged per page; comparison unavailable	per page	None
Loan Application After 3 Denials within 12 Months	$30	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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