More Than Banking. It’s Belonging.
At Piedmont Advantage, we prioritize your financial well-being over corporate profits. This commitment has kept us resilient for 76 years.
Belonging Starts with Your New Checking Account.
Exclusive Checking and Savings Bundle from Piedmont Advantage Credit Union
Switching to PACU isn’t just about better banking. It’s about belonging to a financial institution that prioritizes people over profits and community above all else.
For a limited time, open a PACU Simple+ Checking or More Checking account1 to unlock a gift of a PACU Mid-Century Baseball Hat or PACU Nostalgia Tote Bag2. Pair it with a new 12-month or longer-term PACU Share Certificate3 to receive another one of these great gifts.
Products for Every Life Phase
From youth savings and student checking accounts for your children to saving for life’s small and big moments like buying a home, sending a child to college, or preparing for retirement, we offer financial products for every life phase. Wherever you are on your journey, we’re here to help you plan, save, and grow confidently.
Youth Savings
Youth Savings
Big dreams start small! The Al Pacu Club Savings Account helps kids 17 and under build smart money habits while earning rewards for milestone birthdays and academic achievements.
Student Checking
Student Checking
Our Student Checking account is built for teens, with features parents can feel good about. Designed to grow with your teen, it offers the right balance of freedom and security as they take their first steps toward financial independence.
Simple+ Checking
Simple+ Checking
Simple+ Checking rewards you with a highly competitive interest rate for banking the way you already do – using your debit card, setting up direct deposit and ditching paper for eStatements.
IRAs
IRAs
Planning for retirement doesn’t have to be complicated. An IRA is a smart, tax-advantaged way to build long-term savings and take control of your financial future. From your first contribution to your final goal, we’re here to help you throughout your journey to and while in retirement.
Benefits of Banking with Us
At Piedmont Advantage Credit Union, you’re our priority, not corporate profits. As a not-for-profit, we’re all about your financial well-being, not just the bottom line.
Plus, we make banking better with real benefits you’ll actually use:
- Get paid up to two days early with direct deposit.
- Enjoy fee-free access to thousands of ATMs nationwide.
- Take advantage of competitive loan rates and smart savings options, including our Loyalty Rewards Program.
- Count on personal service from people who know your name.
- Bank anytime, anywhere with easy-to-use digital tools.
It’s banking that puts you first: simple, reliable and built around you.
Banking on Your Terms
With our debit card and mobile app, you’re in control, shop, pay bills, transfer funds and manage your accounts anytime, anywhere.
- Secure: Built-in fraud protection and account alerts help keep your money and personal information safe.
- Simple: An intuitive design makes it easy to check balances, deposit checks and make payments in just a few taps.
- Designed for your lifestyle: Whether you’re at home or on the go, you’ll have the tools you need to bank how and when it works best for you.
Strengthen Your Tomorrow, Starting Today
Tips to Improve Your Financial Well-being
Small changes. Big Impact. From budgeting to managing debt or saving for your first home, our Financial Awareness blogs are packed with easy-to-understand tips to help you make well-informed financial decisions.
Powered with Purpose
Where community and compassion meet, founded in 2020, the PACU Foundation is our charitable affiliate, created to support area charities’ efforts to help North Carolina residents overcome financial hardship.
Scholarships that Open Doors
Empowering Our Future. Our scholarships open doors to brighter futures by easing the financial burden of education and empowering students to pursue their goals with confidence. For first-generation college students or someone returning to school to change careers, each scholarship we award is a step toward opportunity, growth and a better tomorrow.
Trusted by Thousands of Our Members
Hear it for yourself, straight from our member-owners who have trusted us!
Shimonda L.
I love my credit union because they are a wonderful group of people. But most importantly, they are also my friends. When I go in, it’s “Welcome” as well as “How’s life?” My husband and I have been there for over 20 years, and we also have our 22 and 10-year-olds with accounts there.
Miyah D.
PACU is truly people over profit! I’ve experienced firsthand how committed they are to helping members succeed, not just financially but in life. That sense of community and trust is something you don’t find everywhere, which makes me honored to be a part of it.
Judy F.
I have been with Piedmont since I first started working at Lowe’s Home Improvement. I also found that Piedmont cares for their clients, people who are in need and people who want to give. Sometimes, we can’t always give, but we are grateful for those who can, and Piedmont has shown us how we can give.
Disclosures
*APR is Annual Percentage Rate. APY is Annual Percentage Yield. All rates are subject to change without prior notice and a member’s specific rate is based on loan type, term and creditworthiness.
¹Current dividend rates and annual percentage yields for checking accounts are stated in PACU’s Truth-In-Savings Disclosure (“TISD”). Simple+ Checking is a tiered rate checking account. Minimum account balance of $100 required to earn the dividends and annual percentage yields stated in the TISD. If minimum qualification requirements are met during a monthly qualification cycle, the first dividend rate and annual percentage yield stated in the TISD will apply up to the first $20,000 of your account balance, and the second dividend rate and annual percentage yield listed in the TISD will apply to any remainder of your account balance. To meet minimum qualification requirements for 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; and 3) have one direct deposit of $100 or more settled to your account. The monthly qualification cycle is defined as a calendar month. If minimum balance requirements are met but you do not meet all of the minimum qualification requirements during a monthly qualification cycle, the third dividend rate and annual percentage yield listed in the TISD will apply to your entire account balance. As of January 1, 2026, the TISD states the following annual percentage yields for Simple+ Checking: First annual percentage yield, 1.75%; second annual percentage yield, 0.25%; and third annual percentage yield, 0.01%. Dividend rates and annual percentage yields are subject to change and may change after account opening. More Checking does not earn dividends. Student Checking does not earn dividends.
2Promotional bonus offers are for a limited time while supplies last and may be discontinued at any time. Offers not available if you closed a Piedmont Advantage Credit Union (“PACU”) checking account on or after July 1, 2025, or if you had a PACU account that was closed with a negative balance within the last three years or closed within 90 days of account opening. You must be or become a member of PACU to open a checking account or a share certificate account. You can receive only one bonus gift per new checking account and one bonus gift per new share certificate account, and you can only receive one of each of these bonus gifts per membership.
To receive the bonus gift for opening a new consumer or student checking account, you must (i) open and fund (minimum to open $25) a new PACU Simple+ Checking account, More Checking account or Student Checking Account on or after January 5, 2026, and (ii) enroll in online banking, mobile banking and eStatements within thirty (30) days of account opening.
To receive the bonus gift for opening a new consumer share certificate account, you must: (1) have an open PACU Simple+ Checking account, More Checking account or Student Checking Account; (2) open a new consumer share certificate with a term of 12 months or longer (minimum to open 12-Month Save to Win Share Certificate $25, minimum to open all other share certificate accounts $500) on or after January 5, 2026; and (3) fund the new share certificate account at account opening with at least $100 for 12-Month Save to Win Share Certificates and at least $500 for all other share certificate account types eligible for this promotion.
Bonus gifts must be claimed within 90 days of opening your account. Bonus gifts may be picked up at any PACU branch location or mailed upon request at your expense. Failure to claim bonus gifts within 90 days of opening the account may result in forfeiture of the bonus gift. Colors and designs of bonus gifts may vary, and PACU reserves the right to substitute another bonus gift of equal or greater value. These bonus offers may be tax-reportable.
3Current dividend rates and annual percentage yields for share certificates are stated in the Share Certificate Truth in Savings Disclosure. As of January 1, 2026, annual percentage yields for share certificates with a term of 12 months or longer vary between 2.25% and 3.30% depending on certificate type and term length. Dividend rates and annual percentage yields are subject to change.