Piedmont Advantage Credit Union


Overview / Commentary
800-433-7228
3530 Advantage Way
Winston Salem, NC 27103

Piedmont Advantage Credit Union is headquartered in Winston Salem and is the 14th largest credit union in the state of North Carolina. It is also the 760th largest credit union in the nation. It was established in 1949 and as of June of 2021, it had grown to 113 employees and 38,945 members at 10 locations. Piedmont Advantage Credit Union has a B+ health rating.

Field of Membership Restrictions

Piedmont Advantage Credit Union membership is open to all who work, live, attend school or worship in the following North Carolina counties: Brunswick, Bladen, Duplin, Columbus, Forsyth, Iredell, Guilford, Mecklenburg, Pender, New Hanover, and Rockingham. Employees or their family members of the City of Wilmington, the USPS, US Airways or any of the over 90 SEGs (a full list of companies can be found on the credit union's website).
See current membership details

Reviews (4)

Frustrated

I moved in mid Nov of '17. On Dec 2nd I called PACU to update my address for my credit card billing and to switch from paper to electronic statements. I've had to call each month since then to get my payment info to pay my bill. I haven't rec'd a statement in either form, since Nov 2017. I've talked to 5 different people that apologize profusely, and promise me that it'll be corrected, and yet here I am. I called again tonight and supervisor Derrick apologized and told me how much they appreciate my business. I told him I didnt believe that they do appreciate my business and that if I called one more time it would be to get the balance so I can pay the card off and be done with them. I would never recommend this credit union to anyone!!

Worst Credit Union

They can't seem to read their own notes in customer service. 1-2min hold actually means 7-15minutes. They charge you a $12 service charge....anyway you try to pay....just to make a payment. They don't communicate whatsoever. Worst customer service ever! I would advise to stay away...far far away from this so called establishment.

No Help At

spend almost 2hrs to get help but they kept giving me numbers call.I DID NOT GET ANY HELP, THEIR WEBSITE TOOO COMPLICATED TO ACCESS THE FORMS AND THEY WONT HELP YOU TO GET THEM.WORST!WORST!

Worst Bank

Posted by: |

Do not get a loan from this bank! You can't pay online, it is a service charge of $6 or $7 to pay by card over phone, you can't pay at an ATM, and they got rid of monthly statements with payment stubs so you have to just send a check to Winston-Salem with your loan number and hope they apply it to the right account. A check from from a family member was accidentally sent to the Mooresville branch and they lost it causing my payment to be late. Then (our fault it was late) we received a call saying we owed lets say $180 when our monthly payment was 100. The total was 100 for the previous month and 80 for the upcoming payment date. Turns out we actually had a credit! They had called so much that they didn't even give time for payments to process! Banks go through situations like this all of the time. How are they so clueless?



Health
B+

Health Grade Components

Overall
NCUA #60160
Year Chartered1949
Employees113
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD3.9%
Annual Interest Income$6.0MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$426.4MM$383.7MM
LoansQ2 2021vs Q2 2020$242.8MM$258.1MM
DepositsQ2 2021vs Q2 2020$389.9MM$346.1MM
Equity CapitalQ2 2021vs Q2 2020$34.6MM$35.9MM
Loan Loss AllowanceQ2 2021vs Q2 2020$1.8MM$3.4MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$2.5MM$3.4MM
Real Estate OwnedQ2 2021vs Q2 2020$377.00K$377.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Piedmont Advantage Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Piedmont Advantage Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-IRA Share Account
OTHER TIERS: 0.15% $25 - $25k
0.10%$100-Savings Account
0.10%$5-Christmas Club Account
0.10%--Vacation Club Account
0.10%*$25k*-Health Savings Accounts
OTHER TIERS: 0.05% $25 - $25k

Piedmont Advantage Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Money Market Account
OTHER TIERS: 0.10% $1k - $50k | 0.15% $50k - $100k
0.20%*$100k*-Money Market Plus Account
OTHER TIERS: 0.10% $1k - $100k

Piedmont Advantage Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*-$10kSimple+ Checking
OTHER TIERS: 0.10% $10k+

Piedmont Advantage Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$500-60 Month CD
0.55%$500-48 Month CD
0.45%$500-36 Month CD
0.40%$500-24 Month CD
0.40%$500-30 Month CD
0.30%$500-18 Month CD
0.25%$500-12 Month CD
0.20%$500-6 Month CD
0.20%$25-12 Month Save to Win CD
0.10%$500-3 Month CD
Locations


Cities: Charlotte, Eden, Fayetteville, Greensboro, Kenansville, Mooresville, Wilmington, Winston Salem

Charlotte Branches
Branch Office5501 Josh Birmingham Pkwy Ste 3120Charlotte, NC 28208
Branch Office2830 Boyer StCharlotte, NC 28208

Eden Branches
Branch Office212 E Kings HwyEden, NC 27288

Fayetteville Branches
Branch Office544 Ramsey StFayetteville, NC 28301

Greensboro Branches
Branch Office3717 Battleground AveGreensboro, NC 27410

Kenansville Branches
Branch Office174 Liberty squareKenansville, NC 28349

Mooresville Branches
Branch Office139 S Cardigan WayMooresville, NC 28117

Wilmington Branches
Branch Office3815 Park AveWilmington, NC 28403-6720

Winston Salem Branches
Branch Office4997 Home RdWinston Salem, NC 27106
Branch Office3530 Advantage WayWinston Salem, NC 27103

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