Piedmont Credit Union offers many types of deposit accounts to suit your unique financial needs.

Free Checking

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Share Savings

Regular Share Savings is the most basic of credit union services.  In fact it is required to become part of Piedmont Credit Union.  The $25 minimum balance in this account represents your "share" or ownership of the credit union.  This account must remain open as long as you wish to remain a credit union member.


  • Dividends post monthly
  • ATM access optional
  • Can receive direct deposits

Share Certificates

A Share Certificate is a term based account with a fixed interest rate.  The term "Certificate of Deposit" or "CD" is often applied to it.  This type of account guarantees a specific interest rate for a specific term such as 6 months, 12 months, or even as long as 5 years. Because of this and early withdrawal fees the interest rates on Share Certificates is much higher than that of a Regular Share Savings.


  • Dividends post monthly which increases compound interest earnings.
  • Automatic renewal.

Christmas Club Accounts

Do you go into debt every year to pay for all the expenses associated with the Holiday Season?  Do you have a difficult time saving for Christmas or do you plan to purchase something really big and expensive next year?  If this describes you then you might very well benefit from a Christmas Club.

You may deposit to your Christmas Club little by little through Direct Deposit or Payroll Deduction.  Or you can always deposit extra money to it too.  You can change the automatically deposited amount at any time.

Individual Retirement Accounts (IRA's)

Planning for retirement is something that most of us only think about when it is too late to make much of a difference.  A Roth or Traditional IRA are wonderful ways to save money to supplement your retirement. Piedmont Credit Union offers IRA Certificates.  You should always consult a trusted tax advisor when making decisions about retirement.

Typical use of a Piedmont Credit Union IRA

Money Market Accounts

Money Market Accounts are a special type of savings account which offer…

  • A dividend rate comparable to a Share Certificate (CD).
  • The funds accessibility of a regular savings account.
  • Limited check writing privileges.
  • The safety, soundness and stability of a federally insured deposit in an institution that you already know and trust.

You might consider a Money Market Account if… ... keep reading...

Special Share Savings

This account is almost exactly like a Regular Share Savings account.  It gives members an option of having a second share savings that cannot be accessed by an ATM or Check Card.  This account is good for short term savings that you expect to need access to more than a few times per year.

Member Advantage Club

Ever Feel Like You're At A Disadvantage?

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