What are the current interest rates at First Piedmont Federal S&L of Gaffney?

Current rates for First Piedmont Federal S&L of Gaffney include: 12-Month CD: 0.30%, 18-Month CD: 0.30%, 24-Month CD: 1.21%, 36-Month CD: 0.30%, 48-Month CD: 0.30%, 60-Month CD: 0.30%, Savings: 1.77%, MMA: 1.21%

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First Piedmont Federal S&L of Gaffney

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First Piedmont Federal S&L of Gaffney Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Piedmont Federal S&L of Gaffney provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

First Piedmont Federal S&L of Gaffney's top rates as of October 12, 2026 are 1.77% APY on its 182 Days 182 Day Certificate (6-Month), 1.77% APY on savings, 1.21% APY on money market accounts, and 0.75% APY on checking, according to rates verified by MonitorBankRates. Other First Piedmont Federal S&L of Gaffney CD rates include 2 Years 2 Year Certificate at 1.21%, 1 Year Certificate at 0.30%, and 13-Months 13-Month Certificate at 0.30%. MonitorBankRates evaluates the financial stability of First Piedmont Federal S&L of Gaffney with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.20%. Rates last updated and verified on 10/12/2026.

First Piedmont Federal S&L of Gaffney money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Piedmont Federal S&L of Gaffney? Share your experience about First Piedmont Federal S&L of Gaffney by leaving a review below, or read customer reviews before you decide to use First Piedmont Federal S&L of Gaffney.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.20%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Piedmont Federal S&L of Gaffney

1229 W Floyd Baker Blvd
Gaffney, SC 29341

https://www.firstpiedmont.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First Piedmont Federal S&L of Gaffney CD Rates

Product	Rate	APY	Term
182 Day Certificate (6 month)	1.75%	1.77%	182 Days
Min Deposit $100 Min Balance $100 Details Fixed Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.77% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
2 Year Certificate	1.20%	1.21%	2 Years
Min Deposit $100 Min Balance $100 Details Fixed Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.21% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
1 Year Certificate	0.30%	0.30%	1 Year
Min Deposit $100 Min Balance $100 Details Fixed Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
13 Month Certificate	0.30%	0.30%	13 Months
Min Deposit $100 Min Balance $100 Details Fixed Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
18 Month Certificate	0.30%	0.30%	18 Months
Min Deposit $100 Min Balance $100 Details Fixed Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
3 Year Certificate	0.30%	0.30%	3 Years
Min Deposit $100 Min Balance $100 Details Fixed Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
30 Month Certificate (2.5 Years)	0.30%	0.30%	30 Months
Min Deposit $100 Min Balance $100 Details Fixed Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
4 Year Certificate	0.30%	0.30%	4 Years
Min Deposit $100 Min Balance $100 Details Fixed Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
5 Year Certificate	0.30%	0.30%	5 Years
Min Deposit $100 Min Balance $100 Details Fixed Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
9 Month Certificate	0.30%	0.30%	9 Months
Min Deposit $100 Min Balance $100 Details Fixed Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
91 Day Certificate	0.20%	0.20%	91 Days
Min Deposit $100 Min Balance $100 Details Fixed Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

First Piedmont Federal S&L of Gaffney Savings Rates

Product	Rate	APY
Statement Savings	1.75%	1.77%
Min Deposit $150 Min Balance $150 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.77% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Christmas Club	0.50%	0.50%
Min Deposit $25 Min Balance $25 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

First Piedmont Federal S&L of Gaffney Money Market Rates

Product	Rate	APY	View More
Money Market	1.20%	1.21%
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.21% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

First Piedmont Federal S&L of Gaffney Checking Rates

Product	Rate	APY	View More
Checking - NOW	0.75%	0.75%
Min Deposit $400 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

First Piedmont Federal S&L of Gaffney Other Rates

Product	Rate	Points	APY/APR
Custodial	1.75%	-	1.77%
Min Deposit $25 Min Balance $25 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 0.50% → 1.77% ▲ 1.27 pts · high 1.77% / low 0.50% Oct 3, 20261.77%▲ from 0.50% Sep 24, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Health	0.50%	-	0.50%
Min Deposit $150 Min Balance $150 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
High Yield	1.10%	-	1.11%
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
High Yield	1.15%	-	1.16%
Min Deposit $2,500 Min Balance $15,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.16% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
High Yield	1.20%	-	1.21%
Min Deposit $2,500 Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.21% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Investment	0.50%	-	0.50%
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Platinum	1.20%	-	1.21%
Min Deposit $5,000 Min Balance $5,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.21% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Piedmont Federal S&L of Gaffney’s Texas Ratio rose from 1.46% in Q3 2023 to 2.20% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$597M	2.20%	5.0	A+
March 31, 2026	$591M	2.28%	5.0	A+
December 31, 2025	$581M	2.19%	5.0	A+
September 30, 2025	$575M	2.20%	5.0	A+
June 30, 2025	$577M	2.24%	5.0	A+
March 31, 2025	$563M	1.92%	5.0	A+
December 31, 2024	$569M	1.89%	5.0	A+
September 30, 2024	$553M	1.82%	5.0	A+
June 30, 2024	$550M	1.62%	5.0	A+
March 31, 2024	$557M	1.57%	5.0	A+
December 31, 2023	$573M	1.55%	5.0	A+
September 30, 2023	$569M	1.46%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Piedmont Federal S&L of Gaffney is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Piedmont Federal S&L of Gaffney rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Piedmont Federal S&L of Gaffney's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Piedmont Federal S&L of Gaffney

FDIC Certificate # 28859

Address 1229 W Floyd Baker Blvd, Gaffney, SC 29341 · Cherokee

Website https://www.firstpiedmont.com

Established 19330101

FDIC Insurance Date 19890809

Domestic Offices 7

Total Branches 7

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.20%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7612%

Return on Equity (ROE) 6.1200%

Non-Performing Loans (NPL) 0.64%

Total Assets $597,116,000

Total Deposits $420,475,000

Equity Capital $172,469,000

Net Income $5,193,000

Headquarters Gaffney

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Piedmont Federal S&L of Gaffney earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About First Piedmont Federal S&L of Gaffney

How many branches does First Piedmont Federal S&L of Gaffney operate?

First Piedmont Federal S&L of Gaffney currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Piedmont Federal S&L of Gaffney does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Piedmont Federal S&L of Gaffney provides members with tools to manage their accounts and build a solid financial history.

Does First Piedmont Federal S&L of Gaffney offer online and mobile banking?

Most modern institutions like First Piedmont Federal S&L of Gaffney provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstpiedmont.com.