Credit union · NCUA insured
Piedmont Advantage Credit Union Savings Rates
Piedmont Advantage Credit Union’s best savings rate is 1.35% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Piedmont Advantage Credit Union’s savings rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Piedmont Advantage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Piedmont Advantage Credit Union
1.35%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $135
Money Market Account
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
Skyla Credit Union
4.01%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $401
Piedmont Advantage Credit Union savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0001.35%
- $10,000 balance$10,0001.35%
- $100,000 balance$100,0001.35%
- QualifiedQualified1.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Piedmont Advantage Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.35%APY
Minimum deposit of $1,000 and maintain this balance or more to start earning dividends. Daily compounding dividends, credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $250,000Tiered rate account. Fees, if applicable, could reduce earnings. | 1.35% | $135 | Tiered rate account. Fees, if applicable, could reduce earnings. |
| Over $250,000Tiered rate account. Fees, if applicable, could reduce earnings. | 2.00% | — | Tiered rate account. Fees, if applicable, could reduce earnings. |
Personal Select
0.05%APY
Allows breaking out savings into multiple named accounts tailored to specific financial goals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 required to earn stated APY.$100 and up | 0.05% | $5 | Minimum balance of $100 required to earn stated APY. |
Regular Share Savings
0.05%APY
Primary share account required for credit union membership. Minimum opening deposit of $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 required to earn dividends. Dividends compounded daily and credited monthly.$100 and up | 0.05% | $5 | Minimum balance of $100 required to earn dividends. Dividends compounded daily and credited monthly. |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
IRA Share Account
1.00%APY
Available in Traditional and Roth IRA options for retirement savings. Tiered rate account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $250,000Tier 1 balance tier $100.00–$250,000.00. Minimum balance of $100 required to earn stated APY. Dividends compounded daily and credited monthly. | 1.00% | $100 | Tier 1 balance tier $100.00–$250,000.00. Minimum balance of $100 required to earn stated APY. Dividends compounded daily and credited monthly. |
| Over $250,000Tier 2 balance tier $250,000.01 or greater. Minimum balance of $100 required to earn stated APY. Dividends compounded daily and credited monthly. | 2.00% | — | Tier 2 balance tier $250,000.01 or greater. Minimum balance of $100 required to earn stated APY. Dividends compounded daily and credited monthly. |
Sources (3)
All captured Sep 19, 2026
Christmas Club
0.50%APY
Club savings account where the entire balance is automatically transferred each year in October to a Piedmont Advantage checking account or Regular Share Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 required to earn stated APY. Dividends compounded daily and credited monthly. Early withdrawal subject to a $20 fee.$100 and up | 0.50% | $50 | Minimum balance of $100 required to earn stated APY. Dividends compounded daily and credited monthly. Early withdrawal subject to a $20 fee. |
Sources (3)
All captured Sep 19, 2026
Vacation Club
0.50%APY
Club savings account where the entire balance is automatically transferred each year in April to a Piedmont Advantage checking account or Regular Share Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 required to earn stated APY. Dividends compounded daily and credited monthly. Early withdrawal subject to a $20 fee.$100 and up | 0.50% | $50 | Minimum balance of $100 required to earn stated APY. Dividends compounded daily and credited monthly. Early withdrawal subject to a $20 fee. |
Sources (3)
All captured Sep 19, 2026
Al Pacu Club Savings
0.05%APY
Youth savings account for children and teens 17 years old and younger. Must be opened in person with a parent or legal guardian as joint owner.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 required to earn stated APY. Dividends compounded daily and credited monthly. Account features $0 fees.$100 and up | 0.05% | $5 | Minimum balance of $100 required to earn stated APY. Dividends compounded daily and credited monthly. Account features $0 fees. |
Sources (4)
- pacu.com/personal-youth-and-students
- pacu.com/personal-savings
- pacu.com/rates-fee-schedule
- pacu.com/youth-savings
All captured Sep 19, 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.