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FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Savings Accounts
Piggy bank illustration

Prepare for tomorrow by saving today.

Build a habit of saving to live life on your terms and enjoy a greater financial peace of mind.
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Make$ense Icon
Make$ents

The only bank that matches 15% of the debit card round-up amount.

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Overdraft Icon
Overdraft Protection

Automatic transfers from another Piedmont Federal account.

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Mobile banking icon
Mobile Banking

24-hour access to your accounts straight from your mobile device.

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Telebanking icon
Telebanking

Call anytime – 24 hours a day, 7 days a week for account services.

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Student Savings piggy bank
Youth Savings

Accounts to help kids ages 0 – 18 build savings for the future and increase their financial knowledge!

No monthly fees, financial tips, and more!
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Student Savings illustration
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Statement
Simple savings account
$100 Minimum Opening Balance
Monthly Fee: $2 or $01
  • Overdraft Protection +
  • Online Banking
  • Mobile & Text Banking 2
  • Telebanking 2
  • Make$ents
  • Earns Interest
+ Can be used as overdraft protection for your Checking Account.
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1 No monthly fee when you meet one of the following requirements each statement cycle:

  • Maintain a $100 average daily balance
  • Maintain a minimum balance of $2,500 in Piedmont Federal deposit accounts
  • Conduct 25 or more debit card purchase transactions

Otherwise, $20 Monthly Fee

+ Can be used as overdraft protection for your Checking Account.

Money Market
higher balances can earn higher rates
$2,500 Minimum Opening Balance
  • No Monthly Fee
  • Overdraft Protection +
  • Online Banking
  • Mobile & Text Banking 2
  • Telebanking 2
  • Make$ents
  • Earns Interest
+ Can be used as overdraft protection for your Checking Account.
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HSA3
Health Savings Account
$100 Minimum Opening Balance
4 A tax-advantaged way to pay for qualified medical expenses
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CESA
Coverdell education savings Account
$100 Minimum Opening Balance
A tax-free account for educational expenses
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Youth
Youth Savings - PFStart / PFGo Accounts
$10 Minimum Opening Balance
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Products & Services Fee Schedule (PDF)

1 Statement Savings: No monthly maintenance fee when you meet the following requirement:
• Maintain a $100 average daily balance

Otherwise, $2 Monthly Maintenance Fee

2 Mobile, Text and Telebanking: Your mobile carrier may charge fees depending upon your individual plan. Check with your carrier for specific fees and charges. To access Mobile & Text Banking, you must first enroll in the service. Enrollment through the Mobile App is not available on all devices.

3 HSA: To meet the requirements, you must be covered by a high-deductible health plan (HDHP), must NOT be covered by another health insurance plan, and NOT enrolled in Medicare. If you meet the eligibility requirements for a HSA, you, your employer, your family members or other individuals may contribute to your HSA.

4 Rates depend on CD product selected.

+ Overdraft Protection:
‍
• Secure your account with overdraft protection through automatic transfers from another Piedmont Federal account.
• Our Fixed-Rate Personal Reserve Account ** offers a competitive fixed rate *** and provides peace of mind knowing you are covered when using your debit card or writing checks.

** Subject to credit approval.
*** Rates subject to change without notice.