--- title: "Piedmont Advantage Credit Union Rates (Nov 2026): Mortgage 6.54%" description: "Piedmont Advantage Credit Union has the lowest tracked 30-year fixed mortgage rate in North Carolina (6.54% APR) among 11 credit unions we verify. Piedmont Advantage Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Piedmont Advantage Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/piedmont-advantage-credit-union" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Piedmont Advantage Credit Union Rates (Nov 2026): Mortgage 6.54% ### Mortgage rates 9 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **30-Year Fixed** 30 year fixed | 6.662% APR | 6.500% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **30 Year Fixed - Home Ready** 30 year fixed | 7.040% APR | 6.875% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.387% APR | 6.125% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.586% APR | 6.375% | — | Standard | | **15/15 ARM - Conforming 1** arm | 6.659% APR | 6.375% | — | Standard | Piedmont Advantage Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Piedmont Advantage Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/piedmont-advantage-credit-union) , verified from [Piedmont Advantage Credit Union's official website](https://www.pacu.com/personal/) Best product position **#1 of 11** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **50 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked North Carolina markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | #1 of 11 · lowest in North Carolina | State market leader | 50 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Piedmont Advantage Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=piedmont-advantage-credit-union&state=north-carolina&code=NC&name=Piedmont%20Advantage%20Credit%20Union) Loading branch locator… ## About Piedmont Advantage Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 27.8K Assets $382.5M Founded 1949 Locations reported 6 NCUA charter 60160 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Members** Members Credit Union - Main · Winston Salem · NC · 27103-5779 About 0.8 miles away](https://rateapi.dev/credit-unions/north-carolina/members) [**Allegacy** Westbrook · Winston Salem · NC · 27103-2993 About 1.2 miles away](https://rateapi.dev/credit-unions/north-carolina/allegacy) [**Latino Community** Winston-Salem branch · Winston Salem · NC · 27103-3037 About 1.4 miles away](https://rateapi.dev/credit-unions/north-carolina/latino-community) [**Truliant** Corporate Office & Branch Office · Winston Salem · NC · 27103 About 1.5 miles away](https://rateapi.dev/credit-unions/north-carolina/truliant) [**Summit** Summit Credit Union · Winston Salem · NC · 27103-3217 About 2.0 miles away](https://rateapi.dev/credit-unions/north-carolina/summit) [**State Employees'** WINSTON-SALEM - SILAS CREEK PKWY · WINSTON SALEM · NC · 27103 About 2.7 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Piedmont Advantage Credit Union Membership eligibility from Piedmont Advantage Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Piedmont Advantage Credit Union's website. Check the membership page below to confirm whether you qualify. - Location davie, forsyth, guilford, iredell, mecklenburg, rockingham — NC Verified from [Piedmont Advantage Credit Union's membership page](https://www.pacu.com/membership-eligibility/) . Final membership determination is always made by the credit union. ## Membership rules for Piedmont Advantage Credit Union Geography 6 counties · Family 7 published paths to membership, last verified August 22, 2026, quoted from Piedmont Advantage Credit Union’s own published criteria. ### Geography 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Davie County, NC - Forsyth County, NC - Guilford County, NC - Iredell County, NC - Mecklenburg County, NC - Rockingham County, NC “Davie County” > [source ↗](https://www.pacu.com/membership-eligibility/) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member household member, child, spouse, parent, sibling “If you have an immediate family member who is already a member of Piedmont Advantage Credit Union, you’re welcome to join too no matter where you live.” > [source ↗](https://www.pacu.com/membership-eligibility/) - Family member (household member, child, spouse, parent, sibling) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Piedmont Advantage Credit Union? Yes No ## Work at Piedmont Advantage Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Piedmont Advantage Credit Union ranks against North Carolina peers. - See which AI assistants fetched Piedmont Advantage Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=piedmont-advantage-credit-union&state=north-carolina&code=NC&name=Piedmont%20Advantage%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Piedmont Advantage Credit Union offer? Piedmont Advantage Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Piedmont Advantage Credit Union rates updated? RateAPI verifies Piedmont Advantage Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Piedmont Advantage Credit Union's rate data? Rate data is collected directly from Piedmont Advantage Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Piedmont Advantage Credit Union's mortgage rate? As of November 12, 2026, Piedmont Advantage Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Piedmont Advantage Credit Union? Piedmont Advantage Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 6 counties for Piedmont Advantage Credit Union, each quoted from Piedmont Advantage Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Piedmont Advantage Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [North Carolina mortgage rate leaders](https://rateapi.dev/mortgage-rates/north-carolina) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.pacu.com/personal/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Piedmont Advantage Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Piedmont Advantage Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /piedmont-advantage-credit-union " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Piedmont Advantage Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/north-carolina/piedmont-advantage-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp