An image of the North Carolina Piedmont Mountains

120 years old? We’re just hitting our prime.

Age and experience go hand-in-hand, but you don’t hang around this long without doing something right. As for reliability, our service record is spotless.

No deposits lost. No compromise.

After more than a century of doing right by our clients and communities, Piedmont Federal isn’t just here to stay–we’re here to keep moving.

While protecting your money through every possible economic scenario, this milestone of stability is something we’re very proud of.

Piedmont Federal CEO David Barksdale
We’ve never lost a penny of our clients’ money.
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CEO David Barksdale addresses the financial stability of Piedmont Federal.
Checking & Savings
Zero-Fee ATM Access Across the Globe.

Say goodbye to ATM fees when you bank with Piedmont Federal. Any ATM, anywhere in the world.

Zero Maintenance Fees
No Fees1
Piedmont Federal Mobile Banking App
Mobile App
Piedmont Federal Debit Card
Debit Card
Transfer funds with Zelle
Your deposits are safe with us.
1 No fees apply to accounts with direct deposit, a $50 minimum opening deposit or $100 minimum statement balance.
Explore Checking
Student Checking
Smart Start

At Piedmont Federal, we open doors for everyone. We want to open the door for you as you begin your banking journey. Open a Student Smart Start Checking account and start experiencing the perks of Piedmont Federal today!

Learn More

Many banks round up debit card purchases to the nearest dollar to help you save, but we’re the only one that also matches 15% of the round-up amount.2

Explore Savings
2 Matching amount is taxable. $300 maximum match per year.
Piggy Bank Illustration
Small Business
Fueling the Big Ideas.

Nothing is more important to our communities than local business. At Piedmont Federal, we’re committed to empowering companies with the financial resources and support they need to succeed.

We are your neighbors. Our experienced business team is here to help you achieve your goals. It’s in our DNA.

Explore Business
Sole Proprietors / LLCs / Corporations / Non-Profits
  • Checking & Savings
  • Money Markets
  • Commercial Real Estate Loans
  • Lines of Credit
  • Owner-Occupied Real Estate Loans
  • Equipment Financing
  • Merchant & Treasury Services
  • Capital Financing
Trusted By
1903 Title Insurance
Flatland Burger Supreme
JH Batten Builders
Lynwood Builders
Mixxer Makerspace
Mt. Tabor Barbershop
The Ramkat
Sunnyside Millworks
Thomas Tire
We've Never Sold a Mortgage.

That’s right, we keep your mortgage close to home where it’s not only serviced, but stays here in the community. It’s a tradition we’ve upheld for over 100 years.

Your mortgage won’t bounce around between national banks. Getting your questions answered is as easy as a quick phone call or visit to your local branch.

Explore Lending
All the big box offerings with a local touch.
  • Fixed Rate Loans
  • 10/30 Adjustable Loans
  • First Time Homebuyers
  • Home Equity Lines
  • Refinancing
  • Construction Financing
  • Personal Loans
This is Our Sweet Spot.

We were built on community, and much of our community was built with the financing of Piedmont Federal. That is the heart of what it means to be a mutual—investing locally for local good.

We belong to each other, and Giving Back is who we are through sponsorships and grants.

Explore Community
Let's be honest.

Banks make money off your deposits. Choose a bank that puts their earnings directly back into your community.

App State
Appalachian Theatre
Big Brothers Big Sisters
Boone Chamber of Commerce
High Point Chamber of Commerce
Crisis Control
Crosby Scholars
Dress for Success
Forsyth Humane Society
Forsyth Tech
Greater Winston-Salem
Habitat for Humanity
Piedmont Environmental Alliance
Rotary Clubs
Second Harvest Food Bank
Shindhig at The Ramkat
Senior Services
United Way
Wilkes Chamber of Commerce
Wilkes Community College

Our best years are still to come, and so are yours. Let us put our experience to work for your banking needs.

We look forward to meeting you.
201 South Stratford Rd.
Winston-Salem, NC 27103
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633 N. Liberty St.
Winston-Salem, NC 27101
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Peace Haven
2095 Peace Haven Rd.
Winston-Salem, NC 27106
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Hanes Mill
5189 Northern Quarters Dr.
Winston-Salem, NC 27105
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1040 Southpark Blvd.
Winston-Salem, NC 27127
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3701 Clemmons Rd.
Clemmons, NC 27012
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505 Pineview Dr.
Kernersville, NC 27284
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High Point
3870 John Gordon Ln.
High Point, NC 27265
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N. Wilkesboro
200 Wilkesboro Ave.
North Wilkesboro, NC 278659
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1399 Blowing Rock Rd.
Boone, NC 28607
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Loan Production
303 Pisgah Church Road
Suite 2G
Greensboro, NC 27455
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8600 Sam Furr Rd
Suite 260
Huntersville, NC 28078
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Why Us
Why Not? Let's Review.

Piedmont Federal is a mutual savings bank and is FDIC-insured. As a mutual, Piedmont Federal is accountable to our customers, employees and communities.

In 1935, Piedmont Federal became the seventh financial institution in the nation to adopt a Federal Savings & Loan Charter. Mutual banks are chartered to benefit their local communities.

Piedmont Federal is owned by their depositors, not shareholders, and is not under the same quarterly earnings pressure as stock institutions.

We believe in knowing our clients by name and providing relationship-driven services that cannot be found at other financial institutions.

Choose Stability
Visual Disclaimer

While our services are top-notch, our official website is not.  Don’t judge us on that. In fact, we’d prefer you just stop by a friendly branch and meet us.

That being said, a new digital experience is coming in 2024.