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 First Piedmont Federal S&L of Gaffney Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 3, 2026
First Piedmont Federal S&L of Gaffney's 182 Days (6-Months) CDs - Fixed 182 Days (6-Month) rates are at 1.77%, 182 Days (6-Months) CDs - Variable 182 Days (6-Month) rates are at 1.77%, CDs - Fixed 2 Years rates are at 1.21%, CDs - Fixed 1 Year rates are at 0.30%, 13-Months CDs - Fixed 13-Month rates are at 0.30%. First Piedmont Federal S&L of Gaffney's savings rates are at 0.50%. First Piedmont Federal S&L of Gaffney's money market rates are at 1.21%. MonitorBankRates evaluates the financial stability of First Piedmont Federal S&L of Gaffney with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.46%. Rates were last updated on 05/03/2026. First Piedmont Federal S&L of Gaffney money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Piedmont Federal S&L of Gaffney? Share your experience about First Piedmont Federal S&L of Gaffney by leaving a review below, or read customer reviews before you decide to use First Piedmont Federal S&L of Gaffney. First Piedmont Federal S&L of Gaffney
1229 W Floyd Baker Blvd
https://www.firstpiedmont.com Gaffney, SC 29341 
First Piedmont Federal S&L of Gaffney CD Rates
First Piedmont Federal S&L of Gaffney Savings Rates
First Piedmont Federal S&L of Gaffney Money Market Rates
First Piedmont Federal S&L of Gaffney Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Piedmont Federal S&L of Gaffney is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First Piedmont Federal S&L of Gaffney rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Piedmont Federal S&L of Gaffney's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First Piedmont Federal S&L of Gaffney
FDIC Certificate #
28859
Address
1229 W Floyd Baker Blvd,
Gaffney, SC 29341 · Cherokee
Website
https://www.firstpiedmont.com
Established
01/01/1933
FDIC Insurance Date
08/09/1989
Domestic Offices
7
Total Branches
7
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.46%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.8397%
Return on Equity (ROE)
7.4700%
Non-Performing Loans (NPL)
0.36%
Total Assets
$580,713,000
Total Deposits
$408,893,000
Equity Capital
$166,979,000
Net Income
$10,345,000
Headquarters
Gaffney
Total Offices
7
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About First Piedmont Federal S&L of GaffneyIs First Piedmont Federal S&L of Gaffney a safe place to deposit money?Yes, First Piedmont Federal S&L of Gaffney is considered a safe financial institution. With a Texas Ratio of 1.4565379964914%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does First Piedmont Federal S&L of Gaffney operate?First Piedmont Federal S&L of Gaffney currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First Piedmont Federal S&L of Gaffney does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Piedmont Federal S&L of Gaffney provides members with tools to manage their accounts and build a solid financial history. Does First Piedmont Federal S&L of Gaffney offer online and mobile banking?Most modern institutions like First Piedmont Federal S&L of Gaffney provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstpiedmont.com. Current First Piedmont Federal S&L of Gaffney Rates
Retrieved from our database of financial products. Rates subject to change.
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