What are the current interest rates at Piedmont FSB?

Current rates for Piedmont FSB include: 12-Month CD: 1.01%, 18-Month CD: 1.01%, 24-Month CD: 3.30%, 36-Month CD: 1.10%, 48-Month CD: 1.10%, 60-Month CD: 1.10%, Savings: 0.20%, MMA: 0.20%

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Piedmont FSB Rates & Review June 2026

Q: How many branches does Piedmont FSB operate?

Piedmont FSB currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Piedmont FSB 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Piedmont FSB 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: June 16, 2026

Piedmont FSB's 24-Month CD rates are at 3.30%, 24-Month Fixed rates are at 3.30%, 19-Month CD rates are at 3.25%, 19-Month Fixed rates are at 3.25%, 12-Month Fixed rates are at 3.00%. Piedmont FSB's savings rates are at 0.20%. Piedmont FSB's money market rates are at 0.20%. Piedmont FSB's Portfolio Choice 5/1 Adjustable Loan rates are at 5.35%, 15-Year Fixed rates are at 5.53%, 30-Year Fixed rates are at 6.28%, Portfolio Choice 30-Year Fixed FTHB rates are at 6.65%. MonitorBankRates evaluates the financial stability of Piedmont FSB with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.44%. Rates were last updated on 06/16/2026.

Piedmont FSB 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 FSB? Share your experience about Piedmont FSB by leaving a review below, or read customer reviews before you decide to use Piedmont FSB.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.44%

Excellent Lower than avg

Piedmont FSB

201 S Stratford Rd
Winston Salem, NC 27103

https://www.piedmontfederal.com

Piedmont FSB CD Rates

Product	Rate	APY	Term
24 Month CD	3.25%	3.30%	24 Month
Min Balance $500 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
24 Month Fixed	3.25%	3.30%	24 Month Fixed
Min Balance $100 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
19 Month CD	3.20%	3.25%	19 Month
Min Balance $500 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
19 Month Fixed	3.20%	3.25%	19 Month Fixed
Min Balance $100 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
12 Month Fixed	2.96%	3.00%	12 Month Fixed
Min Balance $100 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
7 Month CD	2.96%	3.00%	7 Month
Min Balance $500 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
6 Month CD	1.73%	1.75%	6 Month
Min Balance $500 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
6 Month Fixed	1.73%	1.75%	6 Month Fixed
Min Balance $100 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
18 Month Fixed	1.09%	1.10%	18 Month Fixed
Min Balance $100 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
30 Month CD	1.09%	1.10%	30 Month
Min Balance $500 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
30 Month Fixed	1.09%	1.10%	30 Month Fixed
Min Balance $100 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
36 Month CD	1.09%	1.10%	36 Month
Min Balance $500 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
48 Month CD	1.09%	1.10%	48 Month
Min Balance $500 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
48 Month Fixed	1.09%	1.10%	48 Month Fixed
Min Balance $100 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
60 Month CD	1.09%	1.10%	60 Month
Min Balance $500 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
60 Month Fixed	1.09%	1.10%	60 Month Fixed
Min Balance $100 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
12 Month CD	1.00%	1.01%	12 Month
Min Balance $500 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
15 Month CD	1.00%	1.01%	15 Month
Min Balance $500 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
18 Month CD	1.00%	1.01%	18 Month
Min Balance $500 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
3 Month CD	0.50%	0.50%	3 Month
Min Balance $500 Details An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Piedmont FSB Savings Rates

Product	Rate	APY	View More
PFStart/PFGo Savings	0.20%	0.20%
Min Balance $10 Details Balances over $2500 earn a blended rate of .20% - .05%. Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Piedmont FSB Money Market Rates

Product	Rate	APY
Business Money Market	1.29%	1.30%
Min Balance $2,500 Details $500,000.00 - $999,999,999.99; Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Money Markets	1.29%	1.30%
Min Balance $2,500 Details $500,000.00 - $999,999,999.99; Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Business Money Market	0.60%	0.60%
Min Balance $2,500 Details $250,000.00 - $499,999.99; Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Money Markets	0.60%	0.60%
Min Balance $2,500 Details $250,000.00 - $499,999.99; Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Business Money Market	0.50%	0.50%
Min Balance $2,500 Details $100,000.00 - $249,999.99; Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Money Markets	0.50%	0.50%
Min Balance $2,500 Details $100,000.00 - $249,999.99; Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Business Money Market	0.25%	0.25%
Min Balance $2,500 Details $25,000.00 - $49,999.99; Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Money Markets	0.25%	0.25%
Min Balance $2,500 Details $25,000.00 - $49,999.99; Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Business Money Market	0.20%	0.20%
Min Balance $2,500 Details $2,500 - $9,999.99; Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Money Markets	0.20%	0.20%
Min Balance $2,500 Details $2,500 - $9,999.99; Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Piedmont FSB Mortgage Rates

Product	Rate	Points	APR	Term
Portfolio Choice 5/1 Adjustable Loan	5.35%	0.000%	4.61%	5/1 Adjustable
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780. At a 5.351% initial interest rate, the APR for this loan type is 4.607%, subject to increase. Based on current market conditions, the payment schedule would be: 60 payments of $1,117.00 at an interest rate of 5.351% 299 payments of $974.14 at an interest rate of 4.000% 1 payment of $974.96 at an interest rate of 4.000% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The interest rates, annual percentage rates (APRs), and fees are subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
15-Year Fixed	5.53%	0.875%	5.69%	15-Year Fixed
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780. At a 5.525% interest rate, the APR for this loan type is 5.687%. The payment schedule would be: 179 payments of $1,636.82 at an interest rate of 5.525% 1 payment of $1,637.12 at an interest rate of 5.525% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The interest rates, annual percentage rates (APRs), and fees are subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
30-Year Fixed	6.28%	0.750%	6.36%	30-Year Fixed
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780. At a 6.275% interest rate, the APR for this loan type is 6.363%. The payment schedule would be: 359 payments of $1,234.69 at an interest rate of 6.275% 1 payment of $1,234.02 at an interest rate of 6.275% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The interest rates, annual percentage rates (APRs), and fees are subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Portfolio Choice 30-Year Fixed FTHB	6.65%	0.000%	6.67%	30-Year Fixed
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780. At a 6.650% interest rate, the APR for this loan type is 6.667%. The payment schedule would be: 359 payments of $1,283.93 at an interest rate of 6.650% 1 payment of $1,283.80 at an interest rate of 6.650% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The interest rates, annual percentage rates (APRs), and fees are subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Piedmont FSB 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 Piedmont FSB 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 FSB's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Piedmont FSB

Bank Holding Company PIEDMONT FINANCIAL HOLDING CO

Address 201 S Stratford Rd, Winston Salem, NC 27103 · Forsyth

Website https://www.piedmontfederal.com

FDIC Certificate # 27619

Established 01/01/1903

FDIC Insurance Date 08/09/1989

Domestic Offices 11

Total Branches 11

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.44%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.1483%

Return on Equity (ROE) 0.8400%

Non-Performing Loans (NPL) 0.01%

Total Assets $1,295,729,000

Total Deposits $954,994,000

Equity Capital $239,669,000

Net Income $1,739,000

Headquarters Winston Salem

Total Offices 11

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Piedmont FSB

How many branches does Piedmont FSB operate?

Piedmont FSB currently maintains approximately 11 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, Piedmont FSB 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 FSB provides members with tools to manage their accounts and build a solid financial history.

Does Piedmont FSB offer online and mobile banking?

Most modern institutions like Piedmont FSB 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.piedmontfederal.com.