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Advertiser Disclosure
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 Piedmont Advantage Credit Union Rates & Review October 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.
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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 9, 2026
Piedmont Advantage Credit Union's top rates as of October 9, 2026 are 5.00% APY on its 12 Month Special Limited Term CD, 0.05% APY on savings, 2.00% APY on money market accounts, 1.75% APY on checking, and personal loans from 12.00% APR, according to rates verified by MonitorBankRates. Other Piedmont Advantage Credit Union CD rates include 36 Month CD at 3.30%, 48 Month CD at 3.30%, and 60 Month CD at 3.30%. 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 10/09/2026. 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
There are no reviews for Piedmont Advantage Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Piedmont Advantage Credit UnionHow 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. Current Piedmont Advantage Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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