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Updated: 7.1.22:

In observance of Independence Day, our branches and corporate offices will be closed on Monday, July 4.

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
Aircraft

As low as 4.75%*

10/11/2021
Auto - New

As low as 2.25%*

4/1/2022
Auto - Used

As low as 2.50%*

 

4/1/2022
Boat / RV - New

As low as 4.75%*

4/1/2022
Boat / RV - Used

As low as 5.00%*

4/1/2022
Credit Builder

As low as 9.00%*

4/1/2022
General Purpose

As low as 5.00%*

4/1/2022
Home Equity Lines of Credit

As low as prime + 0.50%

6/15/2022
Liberty

As low as 3.50%

6/15/2022
Lot

As low as 6.25%

6/15/2022
1st Mortgage

Click here for rates

Current
2nd Mortgage / Secured Home Improvement

As low as 5.00%

6/15/2022
Motorcycle - New

As low as 5.25%*

4/1/2022
Motorcycle - Used

As low as 5.50%*

4/1/2022
Mastercard - Platinum

As low as 10.90%

1/28/2020
Mastercard - Rewards

As low as 12.90%

1/28/2020
Premier Advantage Line of Credit

As Low As 10.90%

1/28/2020
Share Savings or CD Secured

Dividend rate + 2.75%*

4/1/2022
Signature

As low as 10.90%

1/28/2020
Undeveloped Land

As low as 6.75%

6/15/2022
Unsecured Home Improvement

As low as 6.90%

1/28/2020

*.25% rate concession for enrollment in Auto Loan Payment (Monthly Loan Payments).

All rates are subject to change without prior notice and a member's specific rate is based on loan type, term and creditworthiness.

Certificates of Deposit (CD) Rates

Account Type Dividend Rate APY* Effective Date
3 Month Certificate 0.150% 0.15% 4/27/2022
6 Month Certificate ($500-$49,999) 0.300% 0.30% 6/3/2022
6 Month Certificate ($50,000+) 0.300% 0.30% 6/3/2022
12 Month Certificate ($500-$49,999) 0.399% 0.40% 6/3/2022
12 Month Certificate ($50,000+) 0.399% 0.40% 6/3/2022
12 Month Save to Win ($0-$49,999) 0.300% 0.30% 6/3/2022
12 Month Save to Win ($50,000+) 0.300% 0.30% 6/3/2022
18 Month Certificate 0.300% 0.30% 02/04/2021
24 Month Certificate 0.499% 0.50% 6/3/2022
30 Month Certificate 0.399% 0.40% 02/04/2021
36 Month Certificate 0.598% 0.60% 6/3/2022
48 Month Certificate 0.698% 0.70% 6/3/2022
60 Month Certificate 0.846% 0.85% 6/3/2022

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 0.150% 0.15% 4/27/2022
$25,000-$49,999.99 0.150% 0.15% 4/27/2022
$50,000-$99,999.99 0.200% 0.20% 4/27/2022
$100,000-$149,999.99 0.250% 0.25% 4/27/2022
$150,000-$199,999.99 0.250% 0.25% 4/27/2022
$200,000 + 0.250% 0.25% 4/27/2022

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 0.150% 0.15% 4/27/2022
$100,000 - $199,999 0.250% 0.25% 4/27/2022
$200,000+ 0.250% 0.25% 4/27/2022

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
Christmas Club 0.10% 0.10% 11/2/2018
Vacation Club 0.10% 0.10% 11/2/2018
Interest Checking*** $100 - $99,999.99 (no longer offered) 0.050% 0.05% 6/2/2020
Silver Advantage Checking*** $100 - $99,999.99 (no longer offered) 0.050% 0.05% 02/04/2021
Interest Checking*** $100,000+ (no longer offered) 0.100% 0.10% 6/2/2020
Silver Advantage Checking*** $100,000+ (no longer offered) 0.100% 0.10% 3/17/2021
Savings*** 0.10% 0.10% 11/2/2018

*APY is Annual Percentage Yield.

**This is a Tiered Rate account. When monthly eligibility requirements are met, a .65% 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. 

***Minimum balance of $100 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.

 

Schedule of Fees & Charges as of March 14, 2022

Account Opening & Usage - Checking & Savings

Type Fee How to avoid the fee
More Checking Monthly Fee $5.95
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/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 Updating your address
Return Statement $3/item Updating your address
Duplicate Statement Copy (Quarterly/Monthly) $3 each Signing up for eStatements
Verification of Deposit (VOD) $10/VOD
ATM Usage (Non-PACU owned ATM) $1 each (the first 5 transactions are free) Using your debit card to make "cash back" purchases or using PACU ATMs
Plastic Card Replacement (Debit) $20/card
Dishonored Deposit- Returned Third Party Check $12/item
Dishonored Deposit-Retuned Member Check $32/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/CD (unavailable with More Checking) Using Bill Pay
Check Copies $3 each (unavailable with More Checking) Using Bill Pay
Check Orders Varies by Style (unavailable with More Checking) Using Bill Pay
Stop Payment $25/request (unavailable with More Checking)
Overdraft/NSF Fee $32/item for each item submission or resubmission (unavailable with More Checking)

Overdraft Protection Options

Type Fee How to avoid the fee
Overdraft Advantage - Overdraft/NSF Fee $32/item (unavailable for More Checking; all NSF items are returned without a fee being assessed; and unavailable for Business Checking) Using PACUtel, telephone call center or ATM to transfer funds
Overdraft Protection from a Share Account $3 transfer (unavailable for More Checking; all NSF items are returned without a fee being assessed; unavailable for Business Checking) Using 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 Making all payments on time
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
Real Estate Loans Late Payment 4% of regularly scheduled payment amount Making all payments on time
Research and Legal Processes $20/hour
Escheatments $100
Mortgage Subordination $100
Member Assisted Phone Payment $12/request Using online banking or PACUTel
Automated Service Phone Payment $6/request Using online banking or PACUTel
Online Loan Payment by Debit/Credit Card or Transfer from Another Financial Institution to Loan Account $6/transaction Using online banking or PACUTel

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.

Mastercard Account

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

 

New to Piedmont Advantage?

Follow these easy steps to open your membership and new accounts:

  1. Membership begins when you open your Share Savings Account with a minimum deposit of just $5. Upon membership approval, you're set to apply for our premier credit cards, various loan solutions and many other deposit accounts.
  2. If you're not a member and have started or completed an online application, upon receipt of your application, we will follow up with you regarding your membership.
  3. You also may apply for membership or any new account by visiting a branch or calling our Member Relationship Center, 800.433.PACU.

Mortgage Spotlight

Our Liberty Loan has the lowest fixed interest rates Piedmont Advantage offers.

Terms up to 12 years. Loan closes in half the time of conventional loans!

If you're planning to refinance to pay your home loan off earlier, our Liberty Loan is for you.

Simple+ Checking

When your financial needs change, your checking account should adjust throughout your lifetime!

With Simple+ Checking, gone are the days of opening and closing accounts when you want your checking account to start earning competitive or premium interest.

Or upon turning 50 years old, closing your existing account and opening a new one that offers additional benefits for seniors. What a waste of your time!

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