Credit union · NCUA insured
Piedmont Advantage Credit Union Auto Loan Rates
Piedmont Advantage Credit Union auto loans start at 5.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Piedmont Advantage Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Piedmont Advantage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Piedmont Advantage Credit Union
5.25%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
Auto – New
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
- Discount
- None included
Piedmont Advantage Credit Union auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Piedmont Advantage Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto – New
Rate includes 0.25% APR concession for automatic loan payment enrollment. Eligible for an additional 0.25% APR Loyalty Rewards discount (effective September 20, 2025) for members of 5+ years with More Checking or Simple+ Checking, eStatements, and direct deposit totaling at least $250 in the previous month. Maximum loan amount varies between 85% and 125% of dealer invoice price.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.25% | Includes 0.25% rate concession for enrollment in automatic loan payments. Specific rate based on term and creditworthiness. |
Auto – Used
Rate includes 0.25% APR concession for automatic loan payment enrollment. Eligible for an additional 0.25% APR Loyalty Rewards discount (effective September 20, 2025) for members of 5+ years with More Checking or Simple+ Checking, eStatements, and direct deposit totaling at least $250 in the previous month. Maximum loan amount varies between 90% and 125% of NADA clean retail value.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.50% | Includes 0.25% rate concession for enrollment in automatic loan payments. Specific rate based on term and creditworthiness. |
Motorcycle – New
Rate includes 0.25% rate concession for enrollment in automatic loan payments. Member's specific rate is based on loan type, term and creditworthiness. Eligible for Loyalty Rewards discount per program terms.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.50% | Includes 0.25% rate concession for enrollment in automatic loan payments. Specific rate based on term and creditworthiness. |
Sources (1)
- pacu.com/rates-fee-schedule · captured Oct 22, 2026
Motorcycle – Used
Rate includes 0.25% rate concession for enrollment in automatic loan payments. Member's specific rate is based on loan type, term and creditworthiness. Eligible for Loyalty Rewards discount per program terms.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.75% | Includes 0.25% rate concession for enrollment in automatic loan payments. Specific rate based on term and creditworthiness. |
Sources (1)
- pacu.com/rates-fee-schedule · captured Oct 22, 2026
Who can join Piedmont Advantage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer or attend school in an eligible community area qualify for membership.
Family and household
- Immediate family members of an eligible member or individuals living in the same household as an eligible member qualify for membership.
Other ways
- Individuals may qualify through another Truliant membership eligibility option.
Cost to join
- Opening a Regular Share Savings Account requires a $5 deposit upon joining.
Membership information collected October 4, 2026.