Primary Share Account: One must make application and deposit $5.00 into a share account. Membership will continue as long as a member maintains a $5.00 share balance.
Share Draft Account: Share draft account participants enjoy no monthly service fees, no minimum balance requirements and unlimited check writing privileges, while receiving a competitive dividend rate. PWVFCU will provide new members with a free set of share drafts.
Christmas Club Account: Deposits can be made into the Christmas Club account through payroll distribution, direct deposit or cash deposits. Disbursements are the first week of November.
Summer Pay Club: The summer pay club is designed for members to budget for a 12-month period while receiving their pay over a 10-month period. Summer Pay Club members earn dividends on monies deposited.
Share Plus Money Market Account: The Share Plus Money Market account is a variable rate account that pays a dividend rate of 50 basis points above the regular share rate. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The compounding and crediting of dividends is calculated on a monthly basis. The annual percentage yield is the yield as of the last dividend declaration date. Dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day the deposit is made. If an account is closed before accrued dividends are credited, accrued dividends will not be paid. The minimum balance for the Share Plus Money Market account is $500.00. If the balance drops below $500.00, the account will be closed and the balance will be transferred to the regular share account. Dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. One (1) withdrawal or transfer per calendar month is allowed. Every withdrawal in excess of the one (1) allowed will incur a penalty of 30 days interest. The penalty will be based on the highest balance in the account for the month in which the penalty is imposed. If a beneficiary is not named, the beneficiary becomes the individual designated on the primary member’s regular share account.
PFI Club: Primary Financial Institution benefits are available to members who utilize direct deposit.
IRA Accounts: Pioneer West Virginia Federal Credit Union offers both Traditional and Roth IRA Accounts. They are regular share-type accounts with competitive rates.
Certificate of Account (6, 12, 18, 24, 30, 36, 48 & 60 months): Certificates automatically renew.
Savings Bonds: The credit union offers savings bonds as a savings option
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