Loyalty Rewards Program
At Piedmont Advantage, we don’t take loyalty lightly. That’s why we created this program, a built-in benefit that rewards you with a rate discount on eligible new loans.
Because Loyalty Deserves More Than a Thank You
You’ve been with us through life’s milestones. Now, we’re showing our appreciation with something more tangible than a thank-you. It’s our way of saying, “We see you. We appreciate you. And we’re glad you’re here.”
How It Works
You’re a Loyalty Rewards member when you have been a member for five years or more and have all of the following:
- More Checking or Simple+ Checking
- Recurring direct deposits totaling at least $250 into your PACU checking or savings account in the previous calendar month
- eStatements
What to Expect
Here’s what you can expect as a Loyalty Rewards member:
- Built-In Savings. Your 0.25% APR* discount automatically kicks in because rewards shouldn’t feel like work.
- Not Just a One-Time Perk. You can use this discount on multiple loans as long as you maintain your Loyalty Rewards membership.
- Stack Your Savings. Financing a car? Get an extra 0.25% APR* discount when you enroll in automatic loan payments.
What Loans Are Eligible
The Loyalty Rewards Program applies to a range of secured loans designed to help you move forward, literally. Here is where your 0.25% APR* discount kicks in:
No Need to Sign Up. Just Start Saving.
When you become a Loyalty Rewards member, your discount is waiting—just apply for a new loan eligible for Loyalty Rewards, and we’ll take care of the rest.
Rooted in Trust Since 1949. Now, a Thank-You Built to Last.
For over 75 years, we have been more than just a place to bank. We’ve been a place to belong. You’re part of building this credit union one relationship at a time. And now, we’re in a position to give back more meaningfully.
The Loyalty Rewards Program is our way of saying thank you, with a discounted loan rate that automatically rewards your commitment to us.
Loyalty should never go unnoticed.
Disclosures
*APR = Annual Percentage Rate. APR offered can vary based on loan product type, creditworthiness, age and condition of collateral, term of the loan, and participation in automatic payments. All loans are subject to credit approval. Loyalty Reward rate discount, rates, terms and conditions are subject to change without notice. This program may be modified or discontinued at any time at our discretion.
Effective May 1, 2025, Loyalty Reward rate discount of 0.25% APR off of published PACU loan rates for eligible loans is available for PACU members who: 1) have been members for five or more years, 2) have a More Checking or Simple+ Checking account, 3) are enrolled in eStatements, and 4) have had recurring direct deposits totaling at least $250 into their PACU checking or savings account in the previous calendar month. For loans with co-applicants, the primary borrower on the loan application must meet all eligibility requirements for Loyalty Reward discount to apply.
The only loan types eligible for the Loyalty Reward rate discount are auto, general purpose vehicle, aircraft, boat, RV and motorcycle loans. Normal lending criteria apply. To be eligible for the Loyalty Reward rate discount, loan proceeds may not be used to refinance an existing Piedmont Advantage loan secured by the same collateral. Loyalty Reward rate discount can be applied to multiple eligible loans. Loyalty Reward rate discount can be combined with the 0.25% APR rate discount for enrollment in automatic payments for auto loans, but cannot be combined with any other rate discount or promotional offer.