Fixed Rate Loans

A fixed rate mortgage provides you with the security of a monthly payment that doesn’t change. Fixed rate loans are one of the most popular loan options today.

Piedmont Federal offers four terms for a fixed rate mortgage:

30-Year Fixed Rate
By choosing a 30-year fixed rate loan, you will have the lowest monthly payment of all the fixed rate loans we offer.

20-Year Fixed Rate
By choosing a 20-year fixed rate loan, you will have the monthly payment that is greater than the 30-year fixed rate, but you will be building equity in your home faster.

15-Year Fixed Rate
Choose a 15-year fixed rate loan if you’re comfortable with a higher payment and you will have the benefit of substantial interest savings.

10-Year Fixed Rate
If you’re comfortable with a higher payment and wish to pay off your loan quickly – the 10-year fixed rate loan may be exactly what you are looking for.


We don’t sell our loans, which means your mortgage won’t bounce around between banks all over the country and you’ll always know who to talk to with questions. We keep your mortgage close to home where it’s not only secure, but stays here in the community. More reasons »


It’s as easy as 1-2-3.

Apply for a loan with Piedmont Federal in as little as 20 minutes using your smartphone, tablet or computer.

Start or finish your online
application today.


Featured Mortgage Rates:

Straightforward, commonsense banking

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