Bank · FDIC insured
Piedmont Federal Bank CD Rates
Piedmont Federal Bank’s best CD rate is 4.25% APY on a 25-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Piedmont Federal Bank’s CD rates compare
Compared with banks and credit unions near Winston-Salem, NC, where Piedmont Federal Bank has the most branches. $10,000, best rate first.
This bank’s best
Piedmont Federal Bank
4.25%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $906
Certificate of Deposit
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
Piedmont Federal Bank CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo1.10%
- QualifiedQualified4.25%
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 Federal Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.25%APY · 14 terms
Automatic renewal. Certificate of Deposit accounts do not receive statements; account holder receives maturity notice and letter. Early withdrawal penalty applies (30 days interest for 3-month, 90 days interest for other short terms, 180 days interest for other long terms, 12 months interest for 60-month). Interest paid to certificate can be withdrawn anytime without penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsThe minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 30 days interest | 0.50% | $12 |
| 6 monthsThe minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 90 days interest | 1.75% | $87 |
| 7 monthsSpecial 7 Month CD. The minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 90 days interest | 3.50% | $203 |
| 9 monthsThe minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 90 days interest | 1.01% | $76 |
| 12 monthsThe minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 90 days interest | 1.01% | $101 |
| 13 monthsSpecial 13 Month CD. The minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 180 days interest | 4.00% | $434 |
| 15 monthsThe minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 90 days interest | 1.01% | $126 |
| 18 monthsThe minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 180 days interest | 1.01% | $152 |
| 24 monthsThe minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 180 days interest | 1.10% | $221 |
| 25 monthsSpecial 25 Month CD. The minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 180 days interest | 4.25% | $906 |
| 30 monthsThe minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 180 days interest | 1.10% | $277 |
| 36 monthsThe minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 180 days interest | 1.10% | $334 |
| 48 monthsThe minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 180 days interest | 1.10% | $447 |
| 60 monthsThe minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 12 months interest | 1.10% | $562 |
Special-purpose accounts
IRA Fixed-Rate Certificate of Deposit
Up to 1.75%APY · 7 terms
Available as Traditional, Roth, or SEP IRA. Automatic renewal. $100 opening and minimum balance. If age 59 1/2 and above, eligible for annual rate upgrade. May make additional contributions at any time. Accounts do not receive statements; account holder receives maturity notice and letter. Early withdrawal penalties: 3 months simple interest for 6 and 12 month terms, 12 months simple interest for 60 month term, 6 months simple interest for all other terms; IRS penalty may also apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsThe minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same ($100). Early withdrawal penalty is 3 months (90 days) simple interest | 1.75% | $87 |
| 12 monthsThe minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same ($100). Early withdrawal penalty is 3 months (90 days) simple interest | 1.01% | $101 |
| 18 monthsThe minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same ($100). Early withdrawal penalty is 6 months (180 days) simple interest | 1.10% | $165 |
| 24 monthsThe minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same ($100). Early withdrawal penalty is 6 months (180 days) simple interest | 1.10% | $221 |
| 30 monthsThe minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same ($100). Early withdrawal penalty is 6 months (180 days) simple interest | 1.10% | $277 |
| 48 monthsThe minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same ($100). Early withdrawal penalty is 6 months (180 days) simple interest | 1.10% | $447 |
| 60 monthsThe minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same ($100). Early withdrawal penalty is 12 months simple interest | 1.10% | $562 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.