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

Loan Type Annual Percentage Rate Effective Date
Auto - New

As Low As 3.50%*

07/17/2019
Auto - Used

As Low As 

3.75

%*

 

07/17/2019
Motorcycle - New / Used

New As Low As 5.25%* / Used As Low As 5.50%

07/17/2019
RV / Boat / Airplane

As Low As 4.75%*

07/17/2019
General Purpose Secured

As Low As 5.00%*

07/17/2019
Signature

As Low As 

10.90

%*

2/1/2019
Line of Credit

As Low As 10.90%*

2/1/2019
Visa Platinum Rewards

As Low As 12.9%* ($25.00 late payment fee)

2/1/2019
Visa Platinum & Secured Visa

As Low As 

10.9

%* ($25.00 late payment fee)

2/1/2019
Share Secured

3% Above Current Share Rate

2/1/2019
Home Equity

Rate based on prime. Please call for rate.

2/1/2019
1st Mortgage

Click Here for rates.

2/1/2019
2nd Mortgage

As Low As 5.50%*

3/1/2019
Liberty Loan Mortgage

As Low As 3.625%*

6/26/2019
Undeveloped Land

As Low As 6.75%*

2/1/2019
Lot Loan

As Low As 6.25%*

2/1/2019

* All rates are subject to change without prior notice and a member's specific rate is based on loan type, term, and creditworthiness. Rates listed for auto, RV/Boat, motorcycle, and General Purpose Secured reflect 1/4% autopay discount.

Regular Certificate Rates

Account Type Dividend Rate APY* Effective Date
3 Month Certificate 0.399% 0.40% 11/2/2018
6 Month Certificate ($500-$49,999) 0.797% 0.80% 09/25/2019
6 Month Certificate ($50,000+) 0.846% 0.85% 09/25/2019
12 Month Certificate ($500-$49,999) 1.390% 1.40% 09/25/2019
12 Month Certificate ($50,000+) 1.440% 1.45% 09/25/2019
12 Month Save to Win ($0-$49,999) 0.995% 1.00% 08/28/2019
12 Month Save to Win ($50,000+) 1.094% 1.10% 08/28/2019
18 Month Certificate 1.390% 1.40% 08/28/2019
24 Month Certificate 1.587% 1.60% 09/25/2019
30 Month Certificate 1.637% 1.65% 09/25/2019
36 Month Certificate 1.735% 1.75% 09/25/2019
48 Month Certificate 1.784% 1.80% 09/25/2019
60 Month Certificate 1.980% 2.00% 09/25/2019

Penalty may be imposed for early withdrawal. Minimum balance of $500 required to earn advertised annual percentage yield.
*New money requirement

IRA Share Account Rates

Account Type Dividend Rate APY* Effective Date
$25 0.399% 0.40% 2/13/2019
$25,000 0.449% 0.45% 2/13/2019
$50,000 0.499% 0.50% 2/13/2019

* APY is Annual Percentage Yield.

Minimum balance of $25.00 required to earn advertised annual percentage yield.

Health Savings Accounts

Account Type Dividend Rate APY* Effective Date
$25 0.200% 0.20% 09/25/2019
$25,000 0.250% 0.25% 09/25/2019
$50,000 0.300% 0.30% 09/25/2019

* APY is Annual Percentage Yield.

Minimum balance of $100.00 required to earn advertised annual percentage yield.

Money Market Rates

Account Type Dividend Rate APY* Effective Date
$1,000-$24,999.99 0.250% 0.25% 12/24/2018
$25,000-$49,999.99 0.300% 0.30% 12/24/2018
$50,000-$99,999.99 0.399% 0.40% 12/24/2018
$100,000-$149,999.99 0.598% 0.60% 12/24/2018
$150,000-$199,999.99 0.747% 0.75% 12/24/2018
$200,000 + 0.946% 0.95% 09/25/2019

Minimum balance of $1,000.00 required to earn advertised annual percentage yield.

Money Market Plus Rates

Account Type Dividend Rate APY* Effective Date
$1,000 - $99,999 0.100% 0.10% 2/13/2019
$100,000 - $199,999 0.797% 0.80% 09/25/2019
$200,000+ 0.995% 1.00% 09/25/2019

Minimum opening deposit of $100,000.  Afterwards, minimum balance of $1,000.00 required to earn advertised annual percentage yield.

Savings/Checking Rates

Account Type Dividend Rate APY* Effective Date
Savings** 0.10% 0.10% 11/2/2018
Personal Select** 0.10% 0.10% 11/2/2018
Interest Checking** $100-$99,999.99 0.100% 0.10% 12/24/2018
Interest Checking** $100,000 + 0.250% 0.25% 12/24/2018
Silver Advantage Checking** $100-$99,999.99 0.100% 0.10% 12/24/2018
Silver Advantage Checking** $100,000 + 0.250% 0.25% 12/24/2018
Christmas Club 0.10% 0.10% 11/2/2018
Vacation Club 0.10% 0.10% 11/2/2018

* APY is Annual Percentage Yield.

**Minimum balance of $100.00 required to earn advertised annual percentage yield.

Rates are reviewed regularly by Piedmont Advantage Credit Union's Board of Directors and are subject to change. Fees, if applicable, could reduce earnings. Penalties, when applicable, will be imposed for early withdrawal.

Fee Schedules - Effective 11/02/2018

Account Opening & Usage - Checking & Savings

Type Fee How to avoid the fee
Early Account Closure (within 60 days of opening) $10 Keep your account open.
Inactive Membership (no activity within 12 months) $7/month Use your Piedmont Advantage debit or credit card for all your purchases, or by making at least one purchase, deposit, withdrawal or transfer each year.
Low Balance Fee $2/month Maintain a $100 aggregate balance with your deposit and loan balances.
Return Mail $3/item Update your address. Call us today!
Return Statement $3/item Update your address. Call us today!
Duplicate Statement Copy (Quarterly/Monthly) $3 each Sign up for eStatements. You can access your statements from anywhere, anytime on any device.
Verification of Deposit (VOD) $10/per
ATM Usage (ATMs not owned by Piedmont Advantage) $1 each (First five transactions are free.) Use your check card to make "cash back" purchases or using Piedmont Advantage ATMs.
Plastic Card Replacement (VISA® Debit) $20/card
Returned Third Party Check $12/item

Account Opening & Usage - Checking Only

Type Fee How to avoid the fee
VISA International Debit Card Usage There are never additional fees for using your Piedmont Advantage VISA outside of the United States. It's already free!
CD of Canceled Checks $15/CD Use Bill Pay.
Copies of Checks $3 each Use Bill Pay.
Check Orders Varies by Style Use Bill Pay.
Stop Payment $25/request
Member's Returned Item for Insufficient Funds (NSF) $32/item Set up Overdraft Protection from another Piedmont Advantage account.

Overdraft Protection Options

Type Fee How to avoid the fee
Overdraft Advantage $32/transfer Use Advantage Access Online Banking or Mobile App, PACUTel, an ATM, or call our call center to transfer funds.
Overdraft Protection from a share account $3/transfer Use Advantage Access Online Banking or Mobile App, PACUTel, an ATM, or call our call center to transfer funds.

Transfers

Type Fee How to avoid the fee
Share Transfer by Phone $2/transfer Use Advantage Access Online Banking or Mobile App, PACUTel, an ATM, or call our call center to transfer funds.
Wire Transfer - Domestic $20/transfer
Wire Transfer - International $35/transfer

Credit Union Services

Type Fee How to avoid the fee
Holiday or Vacation Club Early Withdrawal $20/withdraw Wait for specified distribution date to receive funds for less stressful holiday shopping and a vacation full of fun!
Collection Item $10/item
Gift Cards $2/card
Late Loan Payment (Consumer) 4% of regularly scheduled payment amount Make all payments on time. This will also help you to maintain your good credit score or build credit if needed.
Legal Processes (Escheats) $100/item Contact our call center.
Money Orders $3/item
Official Check with 3rd Party Payee $5/check
Overnight UPS Paperwork/Check Delivery (next business day) $15/transaction
Overnight UPS Paperwork/Check Delivery (Saturday delivery) $30/transaction
Overnight UPS Paperwork/Check Delivery (A.M. delivery) $45/transaction
Pay by Phone $12/request Use online banking or PACUTel
Real Estate Loans Late Payment 4% of regularly scheduled payment amount Make all payments on time.
Research $20/hour
Mortgage Subordination $100

(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.)

VISA® Account

Type Fee How to avoid the fee
VISA® Late Payment $25
VISA® NSF for Payment $20
VISA® Transaction Copy $25

Experience The Credit Union Advantage

When we put members first, the path forward is easy. We take excess profits and funnel it back to members in the form of lower fees and more competitive rates for deposit accounts.

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