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Piedmont Advantage Credit Union

Popular Accounts at this Credit Union

1.40%5-year CD60 Month CD
1.20%4-year CD48 Month CD
1.05%3-year CD36 Month CD

Overview / Commentary
3530 Advantage Way
Winston Salem, NC 27103

Piedmont Advantage Credit Union is headquartered in Winston Salem and is the 12th largest credit union in the state of North Carolina. It is also the 706th largest credit union in the nation. It was established in 1949 and as of December of 2015, it had grown to 90 employees and 44,455 members at 9 locations. Piedmont Advantage Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Bladen, Columbus, Forsyth, Iredell, New Hanover, Rockingham, Brunswick, Duplin, Guilford, Mecklenburg, Pender County, NC.
See current membership details

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Reviews (1)

Worst Bank

Posted by: pad23 | Oct 14, 2013

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 Grade Components

NCUA #60160
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD3.86%
Annual Interest Income$11.6MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$312.7MM$301.2MM
LoansQ4 2015vs Q4 2014$240.1MM$225.4MM
DepositsQ4 2015vs Q4 2014$266.3MM$256.6MM
Equity CapitalQ4 2015vs Q4 2014$32.2MM$31.1MM
Loan Loss AllowanceQ4 2015vs Q4 2014$2.0MM$1.6MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$3.6MM$3.0MM
Real Estate OwnedQ4 2015vs Q4 2014$26.00K$0
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* 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

0.40%*$50k*-IRA Share Account
OTHER TIERS: 0.25% $1k - $25k | 0.30% $25k - $50k
0.10%--Savings Account
0.10%--Personal Select
0.10%--Christmas Club Account
0.10%--Vacation Club Account

Piedmont Advantage Credit Union Money Market Rates

0.15%*$50k*-Money Market Account
OTHER TIERS: 0.10% Up to $50k

Piedmont Advantage Credit Union Checking Account Rates

0.05%$100-Interest Checking
0.05%--Silver Advantage Checking

Piedmont Advantage Credit Union CD Rates

1.40%$500-60 Month CD
1.20%$500-48 Month CD
1.05%$500-36 Month CD
1.00%$500-24 Month CD
1.00%$500-30 Month CD
0.55%*$50k*-12 Month CD
OTHER TIERS: 0.45% $500 - $50k
0.50%$500-18 Month CD
0.35%*$50k*-6 Month CD
OTHER TIERS: 0.25% $500 - $50k
0.20%$500-3 Month CD

Piedmont Advantage Credit Union IRA Rates

1.40%--60 Month IRA
1.20%--48 Month IRA
1.05%--36 Month IRA
1.00%--24 Month IRA
1.00%--30 Month IRA
0.55%*$50k*-12 Month IRA
OTHER TIERS: 0.45% Up to $50k
0.50%--18 Month IRA
0.35%*$50k*-6 Month IRA
OTHER TIERS: 0.25% Up to $50k
0.20%--3 Month IRA

Piedmont Advantage Credit Union Locations
Branch Office3815 Park AveWilmington, NC 28403-6720
Branch Office174 Liberty squareKenansville, NC 28349
Branch Office139 S Cardigan WayMooresville, NC 28117
Branch Office212 E Kings HwyEden, NC 27288
Branch Office5501 Josh Birmingham Pkwy Ste 3120Charlotte, NC 28208
Branch Office4997 Home RdWinston Salem, NC 27106
Branch Office3400 Battleground Ave # AGreensboro, NC 27410
Branch Office3530 Advantage WayWinston Salem, NC 27103
Branch Office2830 Boyer StCharlotte, NC 28208