Piedmont Federal Savings Bank CD Rates — October 2026
As of October 22, 2026, Piedmont Federal Savings Bank's highest tracked CD rate is 4.25% APY on a 25-month promotional CD ($500 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.50% to 1.75% APY.
Tracking began .
Piedmont Federal Savings Bank CD rates
Fixed-rate CDs including a 7-month special with a $500 minimum. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 Month CD | $500 | 0.50% | −3.79% | Top 87% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month CD | $500 | 1.75% | −2.65% | Top 83% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | 7 Month CD Promotional | $500 | 3.50% | −0.93% | Verified October 22, 2026 |
| 9 months | 9 Month CD | $500 | 1.01% | −3.47% | Top 91% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month CD | $500 | 1.01% | −3.56% | Top 90% of tracked 12-month CDs · Verified October 22, 2026 |
| 13 months | 13 Month CD Promotional | $500 | 4.00% | −0.60% | Verified October 22, 2026 |
| 15 months | 15 Month CD | $500 | 1.01% | −3.64% | Verified October 22, 2026 |
| 18 months | 18 Month CD | $500 | 1.01% | −3.71% | Top 91% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month CD | $500 | 1.10% | −3.77% | Top 90% of tracked 24-month CDs · Verified October 22, 2026 |
| 25 months | 25 Month CD Promotional | $500 | 4.25% | −0.62% | Verified October 22, 2026 |
| 30 months | 30 Month CD | $500 | 1.10% | −3.81% | Verified October 22, 2026 |
| 36 months | 36 Month CD | $500 | 1.10% | −3.85% | Top 87% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month CD | $500 | 1.10% | −3.88% | Top 87% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month CD | $500 | 1.10% | −3.91% | Top 89% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.25% APY (25 months). The standard rate for a similar term is 1.10% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $315 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Piedmont Federal Savings Bank's best CD rates by term?
Piedmont Federal Savings Bank's best rate is 4.25% APY on 25 months, verified October 22, 2026.
- 3 mo0.50%
- 6 mo1.75%
- 7 mo3.50%
- 9 mo1.01%
- 12 mo1.01%
- 13 mo4.00%
- 15 mo1.01%
- 18 mo1.01%
- 24 mo1.10%
- 25 mo4.25%
- 30 mo1.10%
- 36 mo1.10%
- 48 mo1.10%
- 60 mo1.10%
How much interest could a Piedmont Federal Savings Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$905.31 interest · $10,905.31 at maturity on $10,000.00.
4.25% APY · 25 months · 25 Month CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $6.220.50% APY · 3 Month CD · Standard | $12.440.50% APY · 3 Month CD · Standard | $31.110.50% APY · 3 Month CD · Standard | $62.210.50% APY · 3 Month CD · Standard |
| 6 months | $43.681.75% APY · 6 Month CD · Standard | $87.361.75% APY · 6 Month CD · Standard | $218.401.75% APY · 6 Month CD · Standard | $436.801.75% APY · 6 Month CD · Standard |
| 7 months | $101.393.50% APY · 7 Month CD · Promotional | $202.783.50% APY · 7 Month CD · Promotional | $506.963.50% APY · 7 Month CD · Promotional | $1,013.913.50% APY · 7 Month CD · Promotional |
| 9 months | $37.861.01% APY · 9 Month CD · Standard | $75.721.01% APY · 9 Month CD · Standard | $189.311.01% APY · 9 Month CD · Standard | $378.621.01% APY · 9 Month CD · Standard |
| 12 months | $50.501.01% APY · 12 Month CD · Standard | $101.001.01% APY · 12 Month CD · Standard | $252.501.01% APY · 12 Month CD · Standard | $505.001.01% APY · 12 Month CD · Standard |
| 13 months | $216.794.00% APY · 13 Month CD · Promotional | $433.584.00% APY · 13 Month CD · Promotional | $1,083.954.00% APY · 13 Month CD · Promotional | $2,167.904.00% APY · 13 Month CD · Promotional |
| 15 months | $63.171.01% APY · 15 Month CD · Standard | $126.341.01% APY · 15 Month CD · Standard | $315.851.01% APY · 15 Month CD · Standard | $631.701.01% APY · 15 Month CD · Standard |
| 18 months | $76.011.01% APY · 18 Month CD · Standard | $152.021.01% APY · 18 Month CD · Standard | $380.051.01% APY · 18 Month CD · Standard | $760.111.01% APY · 18 Month CD · Standard |
| 24 months | $110.601.10% APY · 24 Month CD · Standard | $221.211.10% APY · 24 Month CD · Standard | $553.021.10% APY · 24 Month CD · Standard | $1,106.051.10% APY · 24 Month CD · Standard |
| 25 months | $452.654.25% APY · 25 Month CD · Promotional | $905.314.25% APY · 25 Month CD · Promotional | $2,263.264.25% APY · 25 Month CD · Promotional | $4,526.534.25% APY · 25 Month CD · Promotional |
| 30 months | $138.711.10% APY · 30 Month CD · Standard | $277.431.10% APY · 30 Month CD · Standard | $693.571.10% APY · 30 Month CD · Standard | $1,387.131.10% APY · 30 Month CD · Standard |
| 36 months | $166.821.10% APY · 36 Month CD · Standard | $333.641.10% APY · 36 Month CD · Standard | $834.111.10% APY · 36 Month CD · Standard | $1,668.221.10% APY · 36 Month CD · Standard |
| 48 months | $223.661.10% APY · 48 Month CD · Standard | $447.311.10% APY · 48 Month CD · Standard | $1,118.281.10% APY · 48 Month CD · Standard | $2,236.571.10% APY · 48 Month CD · Standard |
| 60 months | $281.121.10% APY · 60 Month CD · Standard | $562.231.10% APY · 60 Month CD · Standard | $1,405.581.10% APY · 60 Month CD · Standard | $2,811.171.10% APY · 60 Month CD · Standard |
How Piedmont Federal Savings Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 760-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 6 of 19 tracked institutions with fresh 760-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Piedmont Federal Savings Bank (this institution)25 Month CD · Promotional | 25 months | $500 | Branches in NC | 4.25% | October 22, 2026 |
| EverBankEverBank Performance® CDs · Standard | 25 months | Not stated | Available nationwide | 3.65% | October 22, 2026 |
| Dupaco Community Credit Union (highest tracked APY for this term)25 Month Fixed Jumbo Certificate Special · Promotional | 25 months | $100,000 | Membership required · branches in IA, IL, WI | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 25 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Piedmont Federal Savings Bank on October 22, 2026.
About Piedmont Federal Savings Bank
- Legal name
- Piedmont Federal Savings Bank
- Regulator ID
- FDIC 27619
- Headquarters
- Winston Salem, NC
- Available in
- NC
- Total assets
- $1.3 billion
- Also known as
- Website
- www.piedmontfederal.com
Source: rates read from https://www.piedmontfederal.bank/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Piedmont Federal Savings Bank?
Among the rates we track, 4.25% APY on a 25-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Piedmont Federal Savings Bank CD?
The lowest minimum we found is $500.
How does Piedmont Federal Savings Bank's best CD rate compare with Treasury yields?
4.25% APY is −0.62% versus the 25-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 2.7 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Piedmont Federal Savings Bank CDs insured?
Piedmont Federal Savings Bank is an FDIC-insured bank (FDIC 27619). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Piedmont Federal Savings Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Piedmont Federal Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Piedmont Federal Savings Bank before opening an account. This page is not financial advice.