Use our high-value deposit and savings accounts, along with lower rate loans as stepping stones to meet your financial goals.
Basic savings accounts, Money Market Accounts, Share Certificates, HSAs or IRAs. The bottom line? No matter how you choose to save, the best way to get to your goal is to add dividend returns to your steady deposits with direct deposit of your paycheck. Whether your goal is a new car, tropical cruise or rainy day cushion, Piedmont Advantage accounts offer member-owners some of the best value that can be found.
Loan Rates
Effective as of November 8, 2024
| Loan Type |
Annual Percentage Rate |
Effective Date |
| Aircraft |
As low as 6.25%* |
9/22/2023 |
| Auto - New |
As low as 6.00%* |
9/12/2024 |
| Auto - Used |
As low as 6.25%*
|
9/12/2024 |
| Boat / RV - New |
As low as 7.50%* |
9/12/2024 |
| Boat / RV - Used |
As low as 7.75%* |
9/12/2024 |
| Motorcycle - New |
As low as 7.50%* |
9/12/2024 |
| Motorcycle - Used |
As low as 7.75%* |
9/12/2024 |
| General Purpose |
As low as 7.00%* |
9/12/2024 |
| Credit Builder |
As low as 9.00% |
9/12/2024 |
| Share Savings or Share Certificate Secured |
Dividend rate + 3.00% |
9/12/2024 |
| Home Equity Lines of Credit |
As low as 8.25% |
|
| Liberty |
As low as 5.25% |
|
| Lot |
As low as 8.75% |
|
| Undeveloped Land |
As low as 9.25% |
|
| 1st Mortgage |
Click here for rates |
Current |
| 2nd Mortgage / Secured Home Improvement |
As low as 7.25% |
|
| Premier Advantage Line of Credit |
As Low As 10.90% |
7/01/2023 |
| Signature |
As low as 11.00% |
7/01/2023 |
| Unsecured Home Improvement |
As low as 6.90% |
7/01/2023 |
*Includes .25% rate concession for enrollment in Auto Loan Payment (Monthly Loan Payments).
All rates are subject to change without prior notice and a member's specific rate is based on loan type, term and creditworthiness.
Account Rates
Share Certificate Rates / IRA Share Certificate Rates
Effective as of November 1, 2024
| Account Type |
Dividend Rate |
APY* |
Effective Date |
| 5 Month Special Limited Term Certificate |
3.922% |
4.00% |
11/1/2024 |
| 11 Month Special Limited Term Certificate |
3.585% |
3.65% |
5/06/2024 |
| 21 Month Special Limited Term Share Certificate |
3.392% |
3.45% |
5/06/2024 |
| 3 Month Certificate |
2.469% |
2.50% |
6/06/2023 |
| 6 Month Certificate ($500.00-$49,999.99) |
2.907% |
2.95% |
1/17/2024 |
| 6 Month Certificate ($50,000.00 or greater) |
2.956% |
3.00% |
1/17/2024 |
| 12 Month Certificate ($500.00-$49,999.99) |
2.956% |
3.00% |
1/17/2024 |
| 12 Month Certificate ($50,000.00 or greater)* |
3.053% |
3.10% |
1/17/2024 |
| 12 Month Save to Win ($25.00 or greater)** |
2.225% |
2.25% |
1/17/2024 |
| 18 Month Certificate |
3.053% |
3.10% |
1/17/2024 |
| 24 Month Certificate |
3.198% |
3.25% |
12/06/2023 |
| 30 Month Certificate |
0.499% |
0.50% |
4/05/2023 |
| 36 Month Certificate |
3.247% |
3.30% |
9/18/2023 |
| 48 Month Certificate |
3.247% |
3.30% |
9/18/2023 |
| 60 Month Certificate |
3.247% |
3.30% |
6/06/2023 |
*APY is Annual Percentage Yield. Minimum balance of $500 required to earn advertised Annual Percentage Yield. Penalty may be imposed for early withdrawal.
**APY is Annual Percentage Yield. Minimum balance of $25 required to earn advertised Annual Percentage Yield.
IRA Share Account Rates
Effective as of November 1, 2024
| Account Type |
Dividend Rate |
APY* |
Effective Date |
| $100.00-$24,999.99 |
0.797% |
0.80% |
6/06/2023 |
| $25,000.00-$49,999.99 |
0.846% |
0.85% |
6/06/2023 |
| $50,000.00 or greater |
0.896% |
0.90% |
6/06/2023 |
*APY is Annual Percentage Yield. Minimum balance of $100 required to earn advertised Annual Percentage Yield.
Health Savings Accounts
Effective as of September 18, 2024
| Account Type |
Dividend Rate |
APY* |
Effective Date |
| $100.00-$24,999.99 |
0.050% |
0.05% |
9/3/2024 |
| $25,000.00-$49,999.99 |
0.050% |
0.05% |
9/3/2024 |
| $50,000.00 or greater |
0.050% |
0.05% |
9/3/2024 |
*APY is Annual Percentage Yield. Minimum balance of $100 required to earn advertised Annual Percentage Yield.
Money Market Rates
Effective as of September 18, 2024
| Account Type |
Dividend Rate |
APY* |
Effective Date |
| $1,000.00-$24,999.99 |
0.698% |
0.70% |
9/3/2024 |
| $25,000.00-$49,999.99 |
0.747% |
0.75% |
9/3/2024 |
| $50,000.00-$99,999.99 |
0.846% |
0.85% |
9/3/2024 |
| $100,000.00-$149,999.99 |
1.637% |
1.65% |
9/3/2024 |
| $150,000.00-$199,999.99 |
1.637% |
1.65% |
9/3/2024 |
| $200,000.00 or greater |
1.637% |
1.65% |
9/3/2024 |
*APY is Annual Percentage Yield. Minimum balance of $1,000 required to earn advertised Annual Percentage Yield.
Money Market Plus Rates
Effective as of September 18, 2024
| Account Type |
Dividend Rate |
APY* |
Effective Date |
| $1,000.00 - $99,999.99 |
0.846% |
0.85% |
9/3/2024 |
| $100,000.00 - $199,999.99 |
1.686% |
1.70% |
9/3/2024 |
| $200,000.00 or greater |
1.686% |
1.70% |
9/3/2024 |
*APY is Annual Percentage Yield. Minimum opening deposit of $100,000. Afterward, minimum balance of $1,000 required to earn advertised Annual Percentage Yield.
Savings/Checking Rates
Effective as of September 18, 2024
| Account Type |
Dividend Rate |
APY* |
Effective Date |
| Simple+ Checking^ - Monthly Qualifications Met. Tier 1 rate applied to account balance up to $20,000 |
1.735% |
1.75% |
8/1/2024 |
| Simple+ Checking^ - Monthly Qualifications Met. Tier 2 rate applied to portion of balance in excess of $20,000 |
0.250% |
0.25% |
8/1/2024 |
| Simple+ Checking^ - Monthly Qualifications Not Met. Tier 3 rate applied to entire account balance |
0.050% |
0.05% |
9/3/2024 |
| Regular Share Savings** |
0.050% |
0.05% |
9/3/2024 |
| Al Pacu Club Savings** |
0.050% |
0.05% |
9/3/2024 |
| Christmas Club** |
0.050% |
0.05% |
9/3/2024 |
| Vacation Club** |
0.050% |
0.05% |
9/3/2024 |
| Personal Select** |
0.050% |
0.05% |
9/3/2024 |
*APY is Annual Percentage Yield.
^Simple+ Checking is a tiered rate account. To receive any dividends a minimum balance of $100 is required. When monthly qualification requirements are met, the Tier 1 advertised rate will apply on account balances up to $20,000 and the Tier 2 advertised rate will apply to any portion of account balances in excess of $20,000. When monthly qualification requirements are not met, the Tier 3 advertised rate will apply to the entire account balance. To meet minimum qualification requirements during a monthly qualification cycle, you must: 1) make 15 debit card purchases that post and settle your account; 2) be enrolled to receive e-statements; 3) have one direct deposit of $100 or more settle your account. Refer to Personal Disclosures at the bottom of this page for full terms and disclosures regarding this account.
**Minimum balance of $100 required to earn advertised Annual Percentage Yield.
Rates are reviewed regularly and are subject to change. Fees, if applicable, could reduce earnings. Penalties, when applicable, will be imposed for early withdrawal.
Schedule of Fees & Charges as of November 7, 2024
Account Opening & Usage - Checking & Savings
| Type |
Fee |
How to avoid the fee |
| Business Checking Service Fee |
$5.95/month |
Maintain an average daily balance of $500 or more during monthly statement cycle |
| Business Checking Excessive Deposit Transaction Fee |
$0.25/item over 250 items during monthly statement cycle |
Deposit no more than 250 items each month |
| Inactive Membership (no activity within 12 months) |
$10/month |
Make 1 transfer/year. Perform 1+ transactions/year or maintain active loan or line balance (not assessed if age 24 or under) |
| Return Mail |
$3/item |
Updating your address |
| Return Statement |
$3/item |
Updating your address |
| Paper Statement |
$3/item |
Signing up for eStatements |
| Statement Copy (Quarterly/Monthly) |
$3 each |
Signing up for eStatements |
| Verification of Deposit (VOD) |
$10/verification |
|
| ATM Usage (Non-PACU owned ATM) |
$1 each (the first 5 transactions are free) |
Using your debit card to make "cash back" purchases or using PACU ATMs |
| Insufficient Funds (NSF) Fee |
$32/item |
|
| Plastic Card Replacement (Debit) |
$20/card |
|
| Foreign Check Fee |
$50/item |
|
| Dishonored Deposit- Returned Third Party Check |
$32/item |
|
| Dishonored Deposit-Returned Member Check |
$32/item |
|
| Returned ACH Origination |
$32/item |
|
Account Opening & Usage - Checking Only
| Type |
Fee |
How to avoid the fee |
| International Debit Card Usage |
FREE. There is no charge for using a Piedmont Advantage debit card outside of the United States |
|
| CD of Cancelled Checks* |
$15/CD |
Using Bill Pay |
| Check Copies* |
$3 each |
Using Bill Pay |
| Check Orders |
Varies by Style |
Using Bill Pay |
| Stop Payment* |
$25/request |
|
*The above fees or services are not applicable or available with More Checking or Student Checking.
Overdraft Protection Options*
| Type |
Fee |
How to avoid the fee |
| Overdraft Advantage - Overdraft/NSF Fee |
$32/item |
Using PACUtel, telephone call center or ATM to transfer funds |
| Overdraft Protection from a Share Account |
$3 transfer |
Using PACUtel, telephone call center or ATM to transfer funds |
*Overdraft Protection is unavailable for More Checking or Student Checking. All NSF items are returned without a fee being assessed.
*Overdraft Protection is unavailable for Business Checking.
Transfers
| Type |
Fee |
How to avoid the fee |
| Wire Transfer - Domestic |
$20/transfer |
|
| Wire Transfer - International |
$35/transfer |
|
Credit Union Services
| Type |
Fee |
How to avoid the fee |
| Collection Item |
$10/item |
|
| Late Loan Payment (Consumer) |
4% of regularly scheduled payment amount |
Making all payments on time |
| Official Check with 3rd Party Payee |
$5/check |
|
| Overnight UPS Paperwork/Check Delivery (Next business day) |
$35/transaction |
|
| Overnight UPS Paperwork/Check Delivery (A.M. delivery) |
$45/transaction |
|
| Overnight UPS Paperwork/Check Delivery (Saturday delivery) |
$60/transaction |
|
| International FedEx Paperwork/Check Delivery |
$75/transaction |
|
| Real Estate Loans Late Payment |
4% of regularly scheduled payment amount |
Making all payments on time |
| Research and Legal Processes |
$20/hour |
|
| Escheatments |
$100 |
|
| Mortgage Subordination* |
$100 |
|
| Member Assisted Phone Payment |
$20/request |
Using online banking or PACUTel |
| Automated Service Phone Payment |
$10/request |
Using online banking or PACUTel |
| Online Loan Payment by Debit/Credit Card or Transfer from Another Financial Institution to Loan Account |
$10/transaction |
Using online banking or PACUTel |
*A mortgage subordination agreement is a document frequently used when there are two mortgages on a home, and the homeowner is looking to refinance the first mortgage. The mortgage subordination agreement specifies which mortgage takes precedence over the other.
Gift Card
| Type |
Fee |
How to avoid the fee |
| Card Purchase/Load Fee |
$3.50 |
|
| Card Inactivity Fee (No activity within 12 months) |
$2.50 |
|
| Card Replacement |
$5.00 |
|
Reloadable Prepaid Card
| Type |
Fee |
How to avoid the fee |
| Secondary Card Purchase |
$15.00/secondary card |
|
| Card Replacement |
$10.00 |
|
| Monthly Maintenance Fee (One month after activation) |
$5.95 |
|
| ATM Withdrawal (In PACU ATM Network) |
$1.50/withdrawal |
|
| ATM Balance Inquiry (In PACU ATM Network) |
$1.50/inquiry |
|
| ATM International Withdrawal (ATM operator fee may apply even if transaction is not completed) |
$5.00/withdrawal |
|
| Customer Service Call (Live agent) |
$2.50/call |
|
| PIN Change |
$.25/PIN change |
|
