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 First Piedmont Federal S&L of Gaffney Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 6, 2026
First Piedmont Federal S&L of Gaffney's Fixed CD - 182 Days (6-Month) rates are at 1.77%, Fixed CD - 2 Years rates are at 1.21%, Fixed CD - 1 Year rates are at 0.30%, Fixed CD - 13-Month rates are at 0.30%, Fixed CD - 18-Month rates are at 0.30%. First Piedmont Federal S&L of Gaffney's savings rates are at 1.77%. First Piedmont Federal S&L of Gaffney's money market rates are at 1.21%. First Piedmont Federal S&L of Gaffney's checking rates are as high as 0.75%. First Piedmont Federal S&L of Gaffney's top CD rate of 1.77% APY on a 6 month CD is 37% lower than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. 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 11/06/2026. 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. First Piedmont Federal S&L of Gaffney
1229 W Floyd Baker Blvd
https://www.firstpiedmont.com Gaffney, SC 29341 Customer Reviews
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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
First Piedmont Federal S&L of Gaffney Savings Rates
First Piedmont Federal S&L of Gaffney Money Market Rates
First Piedmont Federal S&L of Gaffney Checking Rates
First Piedmont Federal S&L of Gaffney Other Rates
Financial Health HistoryFirst 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
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
Bank Name
First Piedmont Federal S&L of Gaffney
Website
https://www.firstpiedmont.com
Address
1229 W Floyd Baker Blvd,
Gaffney, SC 29341 · Cherokee
FDIC Certificate #
28859
Regulator
OCC
Established
January 1, 1933
FDIC Insurance Date
August 9, 1989
Domestic Offices
7
Total Branches
7
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.20%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.7612%
Return on Equity (ROE)
6.1200%
Non-Performing Loans Ratio (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 June 30, 2026
Customer Reviews
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Frequently Asked Questions About First Piedmont Federal S&L of GaffneyDoes First Piedmont Federal S&L of Gaffney offer CDs?Yes. First Piedmont Federal S&L of Gaffney current CD rates include its Fixed CD - 182 Days (6-Month) at 1.77% APY, its Fixed CD - 2 Years at 1.21% APY and its Fixed CD - 1 Year at 0.30% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from First Piedmont Federal S&L of Gaffney FDIC insured?Yes. First Piedmont Federal S&L of Gaffney is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at First Piedmont Federal S&L of Gaffney?The highest First Piedmont Federal S&L of Gaffney CD rate is its Fixed CD - 182 Days (6-Month) at 1.77% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does First Piedmont Federal S&L of Gaffney offer?First Piedmont Federal S&L of Gaffney CD rates are 1.77% APY for a 6 month CD, 0.30% APY for a 12 month CD, 0.30% APY for a 13 month CD, 0.30% APY for an 18 month CD, 1.21% APY for a 2 year CD, 0.30% APY for a 3 year CD, 0.30% APY for a 4 year CD and 0.30% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with First Piedmont Federal S&L of Gaffney for its full lineup. What is the highest savings rate at First Piedmont Federal S&L of Gaffney?The highest First Piedmont Federal S&L of Gaffney savings rate is its Custodial Savings at 1.77% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest money market rate at First Piedmont Federal S&L of Gaffney?The highest First Piedmont Federal S&L of Gaffney money market rate is its Money Market at 1.21% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest checking rate at First Piedmont Federal S&L of Gaffney?The highest First Piedmont Federal S&L of Gaffney checking rate is its Checking - NOW at 0.75% APY, verified by MonitorBankRates as of November 6, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do First Piedmont Federal S&L of Gaffney rates compare?First Piedmont Federal S&L of Gaffney's top CD rate of 1.77% APY on a 6 month CD is 37% lower than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. First Piedmont Federal S&L of Gaffney's top rates are its Fixed CD - 182 Days (6-Month) at 1.77% APY, its Custodial Savings at 1.77% APY, its Money Market at 1.21% APY and its Checking - NOW at 0.75% APY, verified by MonitorBankRates on November 6, 2026. Current First Piedmont Federal S&L of Gaffney Rates
Retrieved from our database of financial products. Rates subject to change.
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