*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.