Piedmont Advantage Rates and Fees
We keep our rates competitive and our fees straightforward, so you’ll always know what to expect.
Competitive Rates. Clear-Cut Fees.
Let’s start with the good stuff. Our competitive rates help your money grow and your goals stay on track. While we do charge some fees, they’re straightforward and help us keep delivering the services, tools and member support you count on. No guesswork. Just the numbers you need, right here.
Loan Rates
Effective as of February 1, 2025
| Loan Type | Annual Percentage Rate |
|---|---|
| Aircraft | As low as 6.25%* |
| Auto – New | As low as 5.50%* |
| Auto – Used | As low as 5.75%* |
| Boat / RV – New | As low as 7.50%* |
| Boat / RV – Used | As low as 7.75%* |
| Motorcycle – New | As low as 7.50%* |
| Motorcycle – Used | As low as 7.75%* |
| General Purpose | As low as 7.00%* |
| Credit Builder | As low as 9.00% |
| Home Equity Lines of Credit | As low as 8.25% |
| Liberty | As low as 5.25% |
| Lot | As low as 8.75% |
| Undeveloped Land | As low as 9.25% |
| 1st Mortgage | Click here for rates |
| 2nd Mortgage / Secured Home Improvement | As low as 7.25% |
| Premier Advantage Line of Credit | As Low As 10.90% |
| Signature | As low as 12.00% |
| Unsecured Home Improvement | As low as 6.90% |
All rates are subject to change without prior notice and a member’s specific rate is based on loan type, term and creditworthiness.
Account Rates
Share Certificate Rates / IRA Share Certificate Rates
Effective as of November 1, 2024
| Account Type | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 5 Month Special Limited Term Certificate – New Money Only* | 3.922% | 4.00% |
| 11 Month Special Limited Term Certificate | 3.585% | 3.65% |
| 21 Month Special Limited Term Share Certificate | 3.392% | 3.45% |
| 3 Month Certificate | 2.469% | 2.50% |
| 6 Month Certificate ($500.00-$49,999.99) | 2.907% | 2.95% |
| 6 Month Certificate ($50,000.00 or greater) | 2.956% | 3.00% |
| 12 Month Certificate ($500.00-$49,999.99) | 2.956% | 3.00% |
| 12 Month Certificate ($50,000.00 or greater)** | 3.053% | 3.10% |
| 12 Month Save to Win ($25.00 or greater)*** | 2.225% | 2.25% |
| 18 Month Certificate | 3.053% | 3.10% |
| 24 Month Certificate | 3.198% | 3.25% |
| 30 Month Certificate | 0.499% | 0.50% |
| 36 Month Certificate | 3.247% | 3.30% |
| 48 Month Certificate | 3.247% | 3.30% |
| 60 Month Certificate | 3.247% | 3.30% |
**Minimum balance of $500 required to earn advertised Annual Percentage Yield.
***Minimum balance of $25 required to earn advertised Annual Percentage Yield.
Rates are reviewed regularly and are subject to change without prior notice. Fees, if applicable, could reduce earnings. Penalties, when applicable, may be imposed for early withdrawal. See Personal Disclosures at the bottom of this page for full terms and disclosures regarding accounts.
IRA Share Account Rates
Effective as of November 1, 2024
| Account Type | Dividend Rate | APY* |
|---|---|---|
| $100.00-$24,999.99 | 0.797% | 0.80% |
| $25,000.00-$49,999.99 | 0.846% | 0.85% |
| $50,000.00 or greater | 0.896% | 0.90% |
Rates are reviewed regularly and are subject to change without prior notice. Fees, if applicable, could reduce earnings. See Personal Disclosures at the bottom of this page for full terms and disclosures regarding accounts.
Health Savings Accounts
Effective as of September 18, 2024
| Account Type | Dividend Rate | APY* |
|---|---|---|
| $100.00-$24,999.99 | 0.050% | 0.05% |
| $25,000.00-$49,999.99 | 0.050% | 0.05% |
| $50,000.00 or greater | 0.050% | 0.05% |
Rates are reviewed regularly and are subject to change without prior notice. Fees, if applicable, could reduce earnings. See Personal Disclosures at the bottom of this page for full terms and disclosures regarding accounts.
Money Market Rates
Effective as of January 2, 2025
| Account Type | Dividend Rate | APY* |
|---|---|---|
| $1,000.00-$24,999.99 | 0.598% | 0.60% |
| $25,000.00-$49,999.99 | 0.648% | 0.65% |
| $50,000.00-$99,999.99 | 0.747% | 0.75% |
| $100,000.00-$149,999.99 | 1.538% | 1.55% |
| $150,000.00-$199,999.99 | 1.538% | 1.55% |
| $200,000.00 or greater | 1.538% | 1.55% |
Rates are reviewed regularly and are subject to change without prior notice. Fees, if applicable, could reduce earnings. See Personal Disclosures at the bottom of this page for full terms and disclosures regarding accounts.
Money Market Plus Rates
Effective as of January 2, 2025
| Account Type | Dividend Rate | APY* |
|---|---|---|
| $1,000.00 – $99,999.99 | 0.747% | 0.55% |
| $100,000.00 – $199,999.99 | 1.587% | 1.60% |
| $200,000.00 or greater | 1.587% | 1.60% |
Rates are reviewed regularly and are subject to change without prior notice. Fees, if applicable, could reduce earnings. See Personal Disclosures at the bottom of this page for full terms and disclosures regarding accounts.
Saving/Checking Rates
Effective as of January 2, 2025
| Account Type | Dividend Rate | APY* |
|---|---|---|
| Simple+ Checking^ – Monthly Qualifications Met. Tier 1 rate applied to account balance up to $20,000 | 1.735% | 1.75% |
| Simple+ Checking^ – Monthly Qualifications Met. Tier 2 rate applied to portion of balance in excess of $20,000 | 0.250% | 0.25% |
| Simple+ Checking^ – Monthly Qualifications Not Met. Tier 3 rate applied to entire account balance | 0.010% | 0.01% |
| Regular Share Savings** | 0.050% | 0.05% |
| Al Pacu Club Savings** | 0.050% | 0.05% |
| Christmas Club** | 0.050% | 0.05% |
| Vacation Club** | 0.050% | 0.05% |
| Personal Select** | 0.050% | 0.05% |
^Simple+ Checking is a tiered rate account. To receive any dividends a minimum balance of $100 is required. When monthly qualification requirements are met, the Tier 1 advertised rate will apply on account balances up to $20,000 and the Tier 2 advertised rate will apply to any portion of account balances in excess of $20,000. When monthly qualification requirements are not met, the Tier 3 advertised rate will apply to the entire account balance. To meet minimum qualification requirements during 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; 3) have one direct deposit of $100 or more settle your account. Refer to Personal Disclosures at the bottom of this page for full terms and disclosures regarding this account.
**Minimum balance of $100 required to earn advertised Annual Percentage Yield.
Rates are reviewed regularly and are subject to change without prior notice. Fees, if applicable, could reduce earnings. See Personal Disclosures at the bottom of this page for full terms and disclosures regarding accounts.
Schedule of Fees & Charges as of February 17, 2025
Account Opening & Usage – Checking & Savings
| Type | Fee | How to avoid the fee |
|---|---|---|
| Business Checking Service Fee | $5.95/month | Maintain an average daily balance of $500 or more during monthly statement cycle |
| Business Checking Excessive Deposit Transaction Fee | $0.25/item over 250 items during monthly statement cycle | Deposit no more than 250 items each month |
| Inactive Membership (no activity within 12 months) | $10.00/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 | $3.00/item | Updating your address |
| Return Statement | $3.00/item | Updating your address |
| Paper Statement | $3.00/item | Signing up for eStatements |
| Statement Copy (Quarterly/Monthly) | $3.00 each | Signing up for eStatements |
| Verification of Deposit (VOD) | $10.00/verification | |
| ATM Usage (Non-PACU ATM) | $1.00 each (the first 5 transactions are free) | Using your debit card to make “cash back” purchases or using PACU ATMs |
| Insufficient Funds (NSF) Fee | $32.00/item | |
| Plastic Card Replacement (Debit) | $20.00/card | |
| Foreign Check Fee | $50.00/item | |
| Dishonored Deposit-Returned Member Check | $32.00/item | |
| Returned ACH Origination | $32.00/item |
Account Opening & Usage – Checking Only
| Type | Fee | How to avoid the fee |
|---|---|---|
| International Debit Card Usage | FREE. There is no charge for using a Piedmont Advantage debit card outside of the United States | |
| CD of Cancelled Checks* | $15.00/CD | Using Bill Pay |
| Check Copies* | $3.00 each | Using Bill Pay |
| Check Orders | Varies by Style | Using Bill Pay |
| Stop Payment* | $25.00/request |
Overdraft Protection Options*
| Type | Fee | How to avoid the fee |
|---|---|---|
| Overdraft Advantage – Overdraft/NSF Fee | $32.00/item | Using PACUtel, telephone call center or ATM to transfer funds |
*Overdraft Protection is unavailable for Business Checking.
Transfers
| Type | Fee | How to avoid the fee |
|---|---|---|
| Wire Transfer – Domestic | $20.00/transfer | |
| Wire Transfer – International | $35.00/transfer |
Credit Union Services
| Type | Fee | How to avoid the fee |
|---|---|---|
| Collection Item | $10.00/item | |
| Late Loan Payment (Consumer) | 4% of regularly scheduled payment amount | Making all payments on time |
| Dishonored Loan Payment – Returned Member Check | $32.00/item | |
| Dishonored Loan Payment – Returned ACH Origination | $32.00/item | |
| Official Check with 3rd Party Payee | $5.00/check | |
| Overnight UPS Paperwork/Check Delivery (Next business day) | $35.00/transaction | |
| Overnight UPS Paperwork/Check Delivery (A.M. delivery) | $45.00/transaction | |
| Overnight UPS Paperwork/Check Delivery (Saturday delivery) | $60.00/transaction | |
| International FedEx Paperwork/Check Delivery | $75.00/transaction | |
| Real Estate Loans Late Payment | 4% of regularly scheduled payment amount | Making all payments on time |
| Research and Legal Processes | $20.00/hour | |
| Escheatments | $100.00 | |
| Mortgage Subordination | $100.00 | |
| Member Assisted Phone Payment | $20.00/request | Using online banking or PACUTel |
| Automated Service Phone Payment | $10.00/request | Using online banking or PACUTel |
| Online Loan Payment by Debit/Credit Card or Transfer from Another Financial Institution to Loan Account | $10.00/transaction | Using online banking or PACUTel |
Gift Card
| Type | Fee | How to avoid the fee |
|---|---|---|
| Card Purchase/Load Fee | $3.50 | |
| Card Inactivity Fee (No activity within 12 months) | $2.50 | |
| Card Replacement | $5.00 |
Fraud Awareness Spotlight
Our PACU fraud specialists work tirelessly to help you and your loved ones avoid becoming victims of fraud. As technology gets more sophisticated and fraudsters find new ways to try to steal your identity and hack into your accounts, it’s increasingly important to check your accounts regularly and report any suspicious activity as soon as possible.
Check out our Advantage Insights blog for posts about preventing fraud and more!
Resources
Advantage Insights Blog
Here, you’ll learn more about who we are, what we do and why it matters to you.
YouTube Channel
Watch past webinars, roundtable discussions and podcast videos, all catalogued on our channel for your convenience.
Reach your financial goals
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Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the aviation industry, Piedmont Advantage Credit Union (PACU) serves member-owners, who reside, work, worship, attend school or operate a business in one of the six counties it serves in North Carolina or who are employed by one of its many employer companies. These six counties are Davie, Forsyth, Guilford, Iredell, Mecklenburg and Rockingham.