Personal Resources
Welcome to your one-stop spot for the good stuff, like financial tools, tips and trusted guidance to help you make informed financial decisions. At Piedmont Advantage, we believe financial confidence starts with access.
Smart Tools. Real Guidance. Just for You.
Advantage Insights Blog
Advantage Insights Blog
Here, you’ll learn more about who we are, what we do and why it matters to you. Our blogs cover topics from preventing fraud and scams, which ancillary products are right for you when purchasing a new car and how our employees and members give back to our communities.
Podcast
Headlines and Fine Print
PACU CEO & President Dion Williams dives into various financial topics, from busting credit union myths to creating a budget that works for you.
MoneyY-ZER Blog
MoneyY-ZER Youth Blog
PACU’s financial learning series for kids and teens in grades K-12. Get in-depth financial education on saving, spending and budgeting to boost your knowledge.
YouTube
YouTube
Watch past webinars, roundtable discussions and podcast videos, all cataloged on our YouTube.
Calculators
Calculators
Easy-to-use and accessible calculators that help you plan and check your progress regarding reaching your financial goals.
Rates
Rates & Fee Schedule
Use our high-value deposit and savings accounts and lower-rate loans as stepping stones to meet your financial goals.
Let’s Do Some Math
Auto Loan Calculator
If you’re considering an upgrade or are ready to purchase a new vehicle, start with our calculator to ensure you get a loan that fits your needs and budget. You can determine your monthly car payment based on the purchase price. You can also choose a monthly payment that fits your budget and determine how much you can spend on your new vehicle. Dig into the details of different loan terms and down payments to see the impact and estimate how long it will take to pay off your loan.
Debt Consolidation Calculator
If you’re paying off various loans and credit cards, a consolidation loan at a lower rate might be a good choice. This calculator can help you decide. Fill in your loan amounts, credit card balances, and other outstanding debt, and you will see your monthly payment with a consolidated loan. Adjust your terms, loan type and rate until you find the loan that fits your needs and budget.
Savings Calculator
When building up savings and accumulating wealth, consistent investments over many years deliver returns. Even small additions, such as reoccurring transfers and direct deposits, keep the momentum going over time. Use our Savings Calculator to see how you can put this strategy to work and reap the benefits of compound interest.
Home Budget Calculator
Track expenses and monitor spending simply by entering your income and monthly payments. Where can you decrease discretionary spending? How can you grow your savings? This easy-to-use tool provides information you can use to improve your financial well-being.
Home Loan Calculator
Buying a home? Refinancing? No matter your mortgage needs, we are here to help. Find a loan that fits your budget and your life. If you got your current mortgage when interest rates were higher or want to shorten your term to save on interest, a refinance could be your answer. Use this calculator for guidance. Enter the specifics of your current mortgage, your property’s current appraised value, new loan term, rate and closing costs. You’ll see your reduced monthly payment, how much you can save in interest and how long it will take to break even on closing costs.
Home Refinancing Calculator
If you got your current mortgage when interest rates were higher or want to shorten your term to save on interest, a refinance could be your answer. Use this calculator for guidance. Enter the specifics of your current mortgage, your property’s current appraised value, new loan term, rate and closing costs. You’ll see your reduced monthly payment, how much you can save in interest and how long it will take to break even on closing costs.
Check Status or Pay Loan
We’re here to help you navigate life’s challenges and offer the breathing room you need to feel comfortable, so we give you the option to apply, manage and pay for your loan online.
- Submit a loan application
- Check the status of your loan application
- Upload the requested documents and information
- Make digital payments on your loan
Youth Learning Curriculum
Age-appropriate financial literacy resources and lessons for kids in Pre-K through 12th grade. Our youth deserve the best when it comes to having the economic tools to equip them for successful futures!
Looking for Investment Calculators?
Calculate your needs for life insurance, investments, and retirement planning (including IRAs & 401ks)!
Helpful Resources
Branches & ATMs
At Piedmont Advantage Credit Union, we believe in making life easier. With branches conveniently located across North Carolina, you can experience a different kind of service, where members come first.
FAQs
Have specific questions? Check out our FAQs page for quick and easy-to-access information about all your financial needs.
Holiday Schedule
Even if our branches are closed, you have options for managing your finances.
Membership Matters Newsletter
Learn about our promotions, new products and services, and community involvement in our quarterly newsletter!
Preferred Dealers
Why choose a dealership in our Preferred Dealer Network for your next vehicle? Our dealers offer some of the best auto financing rates available.
Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the aviation industry, Piedmont Advantage Credit Union (PACU) serves member-owners, who reside, work, worship, attend school or operate a business in one of the six counties it serves in North Carolina or who are employed by one of its many employer companies. These six counties are Davie, Forsyth, Guilford, Iredell, Mecklenburg and Rockingham.