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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 2.75%*

06/08/2020
Auto - Used

As Low As 3.00%*

 

06/08/2020
Motorcycle - New / Used

As Low As 5.25%*

07/17/2019
RV / Boat / Airplane

As Low As 4.75%*

06/08/2020
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
Rewards

As Low As 12.90%*

11/8/20
Platinum

As Low As 10.90%*

11/8/20
Share Secured

3% Above Current Share Rate

2/1/2019
Home Equity Line

As low as prime + 0.50%

06/08/2020
1st Mortgage

Click Here for rates.

Current
2nd Mortgage

As Low As 5.00%*

02/19/2020
Liberty Loan Mortgage

As Low As 2.75%*

03/16/2020
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 0.100% 0.10% 4/28/2020
6 Month Certificate ($500-$49,999) 0.200% 0.20% 8/4/2020
6 Month Certificate ($50,000+) 0.200% 0.20% 4/2/2021
12 Month Certificate ($500-$49,999) 0.250% 0.25% 4/2/2021
12 Month Certificate ($50,000+) 0.250% 0.25% 02/04/2021
12 Month Save to Win ($0-$49,999) 0.200% 0.20% 02/04/2021
12 Month Save to Win ($50,000+) 0.200% 0.20% 02/04/2021
18 Month Certificate 0.300% 0.30% 02/04/2021
24 Month Certificate 0.399% 0.40% 02/04/2021
30 Month Certificate 0.399% 0.40% 02/04/2021
36 Month Certificate 0.449% 0.45% 02/04/2021
48 Month Certificate 0.548% 0.55% 5/26/2021
60 Month Certificate 0.648% 0.65% 5/26/2021

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 0.150% 0.15% 8/4/2020
$25,000 0.200% 0.20% 8/4/2020
$50,000 0.200% 0.20% 4/2/2021

* 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 0.050% 0.05% 02/04/2021
$25,000 0.100% 0.10% 12/4/2020
$50,000 0.100% 0.10% 12/4/2020

* 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 0.100% 0.10% 6/2/2020
$25,000-$49,999.99 0.100% 0.10% 02/04/2021
$50,000-$99,999.99 0.150% 0.15% 02/04/2021
$100,000-$149,999.99 0.200% 0.20% 02/04/2021
$150,000-$199,999.99 0.200% 0.20% 02/04/2021
$200,000 + 0.200% 0.20% 02/04/2021

Minimum balance of $1,000 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 0.200% 0.20% 4/2/2021
$200,000+ 0.200% 0.20% 4/2/2021

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

Savings/Checking Rates

Account Type Dividend Rate APY* Effective Date
Simple+ Checking*** 0.648% 0.65% 02/04/2021
Vacation Club 0.10% 0.10% 11/2/2018
Christmas Club 0.10% 0.10% 11/2/2018
Silver Advantage Checking** $100-$99,999.99 (no longer available) 0.050% 0.05% 02/04/2021
Silver Advantage Checking** $100,000 and over** (no longer available) 0.100% 0.10% 3/17/2021
Savings** 0.10% 0.10% 11/2/2018

*APY is Annual Percentage Yield.

**Minimum balance of $100 required to earn advertised annual percentage yield.

***This is a Tiered Rate account. When monthly eligibility requirements are met, a 1% APY will apply on account balances up to $10,000. Account balances greater than $10,000 will receive a .10% APY. When monthly eligibility requirements are not met, a .10% APY will apply. To receive dividends a minimum balance of $100 is required. 

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.

**Silver Checking is no longer available.**

Fee Schedules - Effective 12/04/2020

Account Opening & Usage - Checking & Savings

Type Fee How to avoid the fee
More Checking Monthly Fee $5.95 New checking product offering
Inactive Membership (no activity within 12 months) $10/month Make 1 transfer/year. Perform 1+ transactions/year or maintain active loan or line balance (not assessed if age 24 or under).
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 (Non-PACU owned ATM) $1 each (First 5 transactions free) Use your check card to make "cash back" purchases or use Piedmont Advantage ATMs.
Plastic Card Replacement (Debit) $20/card
Returned Third Party Check $12/item

Account Opening & Usage - Checking Only

Type Fee How to avoid the fee
International Debit Card Usage FREE. No charge for using a Piedmont Advantage Debit Card outside of the United States. It's already free!
Plastic Card Replacement (Debit) $20/card Use Bill Pay.
CD of Canceled Checks $15/CD (Not applicable or available with More Checking) Use Bill Pay.
Check Copies $3 each (Not applicable or available with More Checking) Use Bill Pay.
Check Orders Varies by Style (Not applicable or available with More Checking) Use Bill Pay.
Stop Payment $25/request (Not available or available with More Checking)

Overdraft Protection Options

Type Fee How to avoid the fee
Overdraft Advantage - Overdraft/NSF Fee $32/item (Unavailable for More Checking. With More Checking, all NSF items are returned without a fee being assessed.) Use PACUtel, telephone call center or ATM to transfer funds.
Overdraft Protection from a Share Account $3/transfer (Unavailable for More Checking. With More Checking, all NSF items are returned without a fee being assessed.) Use PACUtel, telephone call center or ATM to transfer funds.

Transfers

Type Fee How to avoid the fee
Wire Transfer - Domestic $20/transfer
Wire Transfer - International $35/transfer

Credit Union Services

Type Fee How to avoid the fee
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.
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
Member Assisted Phone Payment $12/request Use online and/or mobile banking or PACUTel.
Automated Service Phone Payment $6/request Use online and/or mobile banking or PACUTel.
Real Estate Loans Late Payment 4% of regularly scheduled payment amount Make all payments on time.
Research and Legal Processes $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.

Credit Card Account

Type Fee How to avoid the fee
Credit Card Late Payment $25
Credit Card NSF for Payment $20
Card Transaction Copy $25
Cash Advance None

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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