Easy access lines of credit you can tap into when you need extra cash.

Cars break down. Medical bills pop up. Tuition bills rise. A paycheck comes up short. There are many reasons why you might need extra cash. That's why Piedmont Advantage offers home equity and individual lines of credit. Instead of maxing out a credit card during challenging times, tap into a low-cost revolving loan fund. The best benefit? You don't have to ask twice. Upon approval, you can access money easily through the Advantage Access Mobile App or Online Services and any time you have a need over a period of years. You also can access by phone or within a branch.

Home Equity Line of Credit (HELOC)

  • Access your funds to use however you need for 10 years
  • Competitive variable Annual Percentage Rate (APR) tied to Prime Rate
  • No closing costs in most situations
  • Acceptable as first or second lien
  • Available in NC, SC, VA, GA, TN, FL, WV, PA, OH, IN, MD and NY

Premier Advantage Line of Credit

  • Low, fixed APR determined by your credit worthiness
  • No collateral is required

For more information about our HELOC or Premier Advantage Line of Credit, please fill out the form below.


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Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the airline industry, Piedmont Advantage Credit Union (PACU) now serves member-owners, who reside, work, worship or attend school in one of the 13 counties it serves in North Carolina or who are employed by one of its many employer companies. These 13 counties are Bladen, Brunswick, Columbus, Cumberland, Davie, Duplin, Forsyth, Guilford, Iredell, Mecklenburg, New Hanover, Pender and Rockingham. A nonprofit cooperative financial institution, PACU has 10 branches throughout its service regions and employs a workforce of over 120.

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