Share Certificates

Not every dollar needs to be on call. Share certificates are a great way to set aside funds you won’t need right away and let them grow on a predictable path.

Contact Us
Open an Account

A Steady Way to Save. Designed with Your Future in Mind.

If you want to grow your money without the stress of high-risk investments, share certificates might be your financial happy place. With fixed terms, guaranteed returns and rates that often beat traditional savings accounts, they offer a refreshingly steady way to build your nest egg.

Here’s how share certificates complement your big-picture financial goals:

A man and a woman are standing in front of a glass wall writing on sticky notes.

Higher Earnings, Guaranteed

  • Competitive, Guaranteed Rates: Lock in higher dividend rates than traditional savings, with earnings that won’t fluctuate during your term.
  • Terms that Fit Your Timeline: Choose from a range of term lengths, short or long, so your savings are always aligned with your plans.
A happy young couple saving money for their next investment, purchase or vacation, they are lying on the living room floor and putting small coins in their small home safe

Your Money: Stay Put and Grow, Federally Insured Safety

  • Earn More by Saving More: Higher balances and longer terms often come with higher rates, rewarding your commitment. There are exceptions like our Special Limited-Term 5-Month Share Certificate.
  • Smart Diversification: Use our share certificates to balance your portfolio with a low-risk, predictable savings option.
  • Federally Insured: Your money is protected and insured up to $500,000 by the NCUA, just like bank CDs are FDIC-insured, and Excess Share Insurance at no cost to you.
African american artist singing and recording her vocals for a song while her band is playing instruments in the white room of a studio

Sound Good So Far? It Gets Better.

  • It Doesn’t Take a Fortune: Nearly all of our share certificates open with a $500 minimum deposit. Exemptions include our 12-Month Save to Win Certificate with a minimum deposit of just $25 and, at times, limited-term specials with varying minimums and conditions to open.
  • Speaking of Specials: Check out our Special Limited-Term 5-Month Share Certificate with a high return without a lengthy commitment. Open with a $5,000 minimum deposit.

Every $25 deposit into a Save to Win® Certificate earns you a chance at cash prizes, plus savings growth.

Learn More
Open Now

Turn Saving into Winning

For more information and disclosures about Share Certificate Accounts, please click the Personal Disclosures link at the bottom of this page.

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.

Contact Us