The 1978 NCAA Division I-AA Football Championship Game was a postseason college football game between the Florida A&M Rattlers and the UMass Minutemen. The game was played on December 16, 1978, at Memorial Stadium in Wichita Falls, Texas. The culminating game of the 1978 NCAA Division I-AA football season, it was won by Florida A&M, 35–28. This was the first season of I-AA play, and the first championship game for the newly formed division. The game was also known as the Pioneer Bowl, a name that had been used starting in 1971 for various NCAA playoff games held in Wichita Falls.