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 Piedmont Advantage Credit Union 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: October 29, 2026
Piedmont Advantage Credit Union's 36 Month CD rates are at 3.30%, 48 Month CD rates are at 3.30%, 60 Month CD rates are at 3.30%, 18 Month CD rates are at 3.25%, 24 Month CD rates are at 3.25%. Piedmont Advantage Credit Union's savings rates are at 0.05%. Piedmont Advantage Credit Union's money market rates are at 2.00%. Piedmont Advantage Credit Union's checking rates are as high as 1.75%. Piedmont Advantage Credit Union's Personal Loan Rates are as low as 12.00%. Piedmont Advantage Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Piedmont Advantage Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.82%. Rates last updated and verified on 10/29/2026. Piedmont Advantage Credit Union 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 Piedmont Advantage Credit Union? Share your experience about Piedmont Advantage Credit Union by leaving a review below, or read customer reviews before you decide to use Piedmont Advantage Credit Union. Piedmont Advantage Credit Union
Advantage Way 3530 Advantage Way
https://www.pacu.com Winston Salem, NC 27103  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Piedmont Advantage Credit Union CD Rates
Piedmont Advantage Credit Union Savings Rates
Piedmont Advantage Credit Union Money Market Rates
Piedmont Advantage Credit Union Checking Rates
Piedmont Advantage Credit Union Auto Loan Rates
Piedmont Advantage Credit Union RV, Boat and Powersport Loan Rates
Piedmont Advantage Credit Union Personal Loan Rates
Piedmont Advantage Credit Union Other Rates
Financial Health HistoryPiedmont Advantage Credit Union’s Texas Ratio fell from 4.43% in Q3 2023 to 3.82% 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 credit union’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: NCUA 5300 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 Piedmont Advantage Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Piedmont Advantage Credit Union 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 Piedmont Advantage Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Piedmont Advantage Credit Union
Website
https://www.pacu.com
Address
3530 Advantage Way,
Winston Salem, NC 27103
Phone
336-776-1700
Fax
336-776-1111
President
Tom Mekis
CEO
Dion Williams
Full-Time Employees
91
Part-Time Employees
2
Branch Locations
6
ATM Locations
10
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.82%
Return on Assets (ROA)
-0.2527%
Return on Equity (ROE)
-2.9545%
Non-Performing Loans Ratio (NPL)
0.50%
Total Assets
367,909,023
Total Amount of Shares and Deposits
342,667,204
Total Shares and Deposits < 1 Year
339,620,441
Total Shares and Deposits 1 3 Years
2,813,480
Total Shares and Deposits > 3 Years
233,283
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
17,236,704
Total Uninsured Shares and Deposits > $250K (F+J)
17,236,704
Total Insured Shares and Deposits > $250K (item 17 less item K)
325,430,500
Total Interest Expense (Sum of items 6 8)
1,752,821
Share Certificates
2,006
Number of Accounts for Share Drafts
16,807
IRA KEOGH Accounts
716
Number of Accounts for Regular Shares
26,985
All other shares
4,203
Money Market Shares
1,524
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
30,798,407
Total Liabilities
345,533,369
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About Piedmont Advantage Credit UnionDoes Piedmont Advantage Credit Union offer CDs?Yes. Piedmont Advantage Credit Union current CD rates include its 36 Month CD at 3.30% APY, its 48 Month CD at 3.30% APY and its 60 Month CD at 3.30% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Piedmont Advantage Credit Union NCUA insured?Yes. Piedmont Advantage Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Piedmont Advantage Credit Union?The highest Piedmont Advantage Credit Union CD rate is its 12 Month Special Limited Term CD at 5.00% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Piedmont Advantage Credit Union offer?Piedmont Advantage Credit Union CD rates are 3.15% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.30% APY for a 3 year CD, 3.30% APY for a 4 year CD and 3.30% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Piedmont Advantage Credit Union for its full lineup. What is the highest savings rate at Piedmont Advantage Credit Union?The highest Piedmont Advantage Credit Union savings rate is its Al Pacu Club Savings at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Piedmont Advantage Credit Union?The highest Piedmont Advantage Credit Union money market rate is its Money Market at 2.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Piedmont Advantage Credit Union?The highest Piedmont Advantage Credit Union checking rate is its Simple+ Checking at 1.75% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Piedmont Advantage Credit Union?The lowest Piedmont Advantage Credit Union auto loan rate is its Auto - New at 5.25% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Piedmont Advantage Credit Union?The lowest Piedmont Advantage Credit Union personal loan rate is its Signature Loan at 12.00% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Piedmont Advantage Credit Union operate?Piedmont Advantage Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Piedmont Advantage Credit Union?Yes, to access services at Piedmont Advantage Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Piedmont Advantage Credit Union 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, Piedmont Advantage Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Piedmont Advantage Credit Union offer online and mobile banking?Most modern institutions like Piedmont Advantage Credit Union 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.pacu.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. Credit unions require membership, so you may need to join first. 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 in the credit union, 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 Piedmont Advantage Credit Union rates compare?Piedmont Advantage Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. Piedmont Advantage Credit Union's top rates are its 12 Month Special Limited Term CD at 5.00% APY, its Al Pacu Club Savings at 0.05% APY, its Money Market at 2.00% APY, its Simple+ Checking at 1.75% APY and its Signature Loan at 12.00% APR, verified by MonitorBankRates on October 29, 2026. Current Piedmont Advantage Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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