What Are Your Financial Goals?
People Driven Credit Union Membership and Account Options
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Member Perks
Join a cooperative that puts your financial well-being over profits. Discover membership perks now.
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24/7 Banking
Simplify your finances with secure, cutting-edge digital banking. Discover how it works
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Safe and Sound
Advanced safeguards protect your information and block fraud. See how we defend your privacy
People Driven Credit Union’s roots in Detroit date back to 1928 when it was founded as a safe harbor during a time of financial crisis. Today, we remain committed to providing a secure and supportive experience to our members throughout Michigan. As we look towards our second century of doing business, we plan to grow right along with you, your family, and your small business!
Account Options
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Savings Accounts
Your $5 deposit gives you a share in the credit union and allows you to used all of our great services.
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Checking Accounts
Opening a checking account with PDCU is the first step towards simplifying your banking experience.
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Money Market
Grow your savings without sacrificing access to your funds.
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Investment Accounts
A safe and reliable way to grow your savings.
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Youth Accounts
Empower your children with smart money habits from an early age by opening a PDCU Youth Account.
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CDs
Build your savings with a Certificate of Deposit—lock in a fixed rate for a set term and let your money do the work.
Save to Win® + Round Up to Win
Build Your Savings (and Get Chances to Win Cash Prizes)
Saving money is a good habit. It’s also… not exactly a thrill ride. Save to Win® rewards the habit of saving with chances to win cash prizes—without putting your savings at risk.
When you build your balance in qualifying increments, you earn entries into monthly, quarterly, and annual prize drawings. For the Save to Win® Savings Account, entries are earned for every $25 increase in your balance (up to 100 entries per month).
And yes—your savings are still your savings. There’s no fee to participate, and your money isn’t “spent” to enter.
What Our Members Say
About Our Financial Services
“We are very grateful for the service that was provided as members of People Driven Credit Union!”
“We recently had a death in the family, The Team at PDCU was kind, caring and emphatic.”
“Staff are friendly and helpful, not just at one branch, but ALL branches.”
People Driven Credit Union Loan Options
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Rates
Check our current rates and see how PDCU can make borrowing easy and affordable.
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Loan Rate Discount¹
¹Take advantage of a 0.25% discount when you enroll in autopay.
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PD Quick Cash
Members who qualify can apply and receive up to $2,000 in minutes.
The money you need, when you need it.
Life’s financial needs are diverse and ever-changing. Whether you’re planning a home renovation, consolidating debt, purchasing a vehicle, or building your credit, we offer a variety of loan options tailored to meet your unique needs. Our commitment to competitive rates, flexible terms, and personalized service ensures you have the support and resources you need to achieve your financial goals.
Loan Options
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Personal Loans
Secured and unsecured, debt consolidation, personal lines of credit, credit cards, and PD Quick Cash loans.
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Vehicle Loans
Financing options for cars, trucks, SUVs, motorcycles, boats, RVs, motor homes, campers, ATVs and snowmobiles.
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Home Equity Loans
Use the equity in your home to capitalize on a lower rate. Explore Fixed-Term Home Equity Loans and HELOCs.
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Mortgage Loans
Personalized service, competitive rates, and flexible financing options tailored to your needs.
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Rewards Credit Card
Earn points with every dollar you spend, and reward yourself with great merchandise, travel, and cash back!
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PD Quick Cash
Handle life’s “right now” expenses with PD Quick Cash—an easy way to access funds in minutes.
Take Control of Your Debt
Consolidate at a Rate as Low As 11.39%¹ APR*
If you’re managing multiple debts, a Debt Consolidation Loan can roll eligible balances into one payment and a clearer payoff plan. (subject to credit approval)
Want to see if it’s worth it?
Is Debt Consolidation Worth It? A 2026 Analysis
Ready to simplify your monthly payments? Explore your options today.
Financial Help Is Here
People Driven Credit Union Membership
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Member Services
A diverse array of resources to help you achieve your financial goals.
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Member Rewards
Access to exclusive Member Rewards designed to save you money.
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About PDCU
Everything you need to know about People Driven Credit Union.
From financial planning and insurance solutions to debt and credit counseling, financial calculators, credit card assistance, and the convenient PD Quick Cash program, we offer a diverse array of resources to help you achieve your financial goals. Whether you’re seeking guidance on managing debt, planning for the future, or navigating unexpected financial challenges, our team is here to provide expert support and guidance every step of the way. Explore our Member Services today and discover how People Driven Credit Union can help you thrive financially.
Learn More About Our Services
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Digital Banking
The MyPDCU app and online banking portal are the tools to bank anytime, anywhere.
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Security Center
PDCU is dedicated to helping our members safeguard against banking fraud.
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Financial Planning
Exclusive access to professional financial planning services through Osaic FA.
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Debt Counseling
Free financial counseling, guidance, and educational resources.
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Insurance Services
Coverage options that help protect what matters most—auto, home, and more—through trusted partners.
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Tax Prep Services
Save on trusted tax prep tools and expert help with exclusive member discounts through our partner offers.
New Year, New Goals
How to Plan Your 2026 Finances
This is the moment to line things up so 2026 feels less reactive and more intentional. Pair this big-picture planning guide with our recent blog post, “Year-End Financial Checklist: Steps to Take Before 2026”, and you’ll have both the strategy and the step-by-step action items to start the year strong.
Why Join People Driven Credit Union?
At PDCU, we pride ourselves on our personalized customer service and community-oriented focus. Unlike at a traditional bank, you have a voice in our organization’s decisions, which means you have a say in how PDCU is run. We offer lower interest rates on loans and higher interest rates on savings accounts for our members, ensuring you get more value for your money.
What Carla Loves About PDCU
How People Driven Credit Union raised my credit score 48 points in less than a month.
Hi, I’m Carla, a proud member of People Driven Credit Union and an accounting clerk here. Recently, I embarked on a journey to purchase my first home. I knew my credit score needed some improvement, so I reached out to Julia from our loan team for guidance. With her advice, I consolidated my credit card debt and high-interest loans through a……Read More
News and Information Members Can Use
Save to Win® + Round Up to Win: Build Your Savings (and Get Chances to Win Cash Prizes)
Saving money is a good habit. It’s also… not exactly a thrill ride. Save to......Read More
Is Debt Consolidation Worth It? A 2026 Analysis
Credit card balances remain near record highs in 2026, with national average interest rates still......Read More
Personal Line of Credit vs. Personal Loan: Understanding the Difference
Whether you have a surprise expense or just need a bit of extra money for......Read More
How to Improve Your Personal Loan Application in 24 Hours
No matter what you need money for, applying for a personal loan can be a......Read More
Disclosures
Savings Rate Disclosures
People Driven Credit Union savings are federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government. Rates are effective as of today and are subject to change at any time. Penalties apply for early withdrawal. View our Privacy Policy and read our disclaimer regarding links to other sites.
²APY = Annual Percentage Yield. APY is a standardized measure of the total interest earned on a deposit account over one year, based on the interest rate and the frequency of compounding. APY assumes that interest remains on deposit until maturity. Early withdrawals and applicable fees may reduce earnings. Rates are effective as of 12/12/2025 and are subject to change at any time without notice.
Loan Rate Disclosures
¹Special Loan Rate Discount: You can benefit from a 0.25% rate reduction simply by enrolling in our AutoPay service. This discount is already reflected in the “as low as” rate we advertise. To qualify, you must have Direct Deposit (from payroll, Social Security, or retirement income) and AutoPay set up from a People Driven Credit Union checking or savings account.
*APR = Annual Percentage Rate. Your actual APR and loan terms depend on credit approval and may vary based on creditworthiness, loan amount, and collateral type, value, age, and condition, if applicable. All rates are current as of today but are subject to change without notice.
Payment Example: Borrowing $1,000 at 6.55% APR for 60 months would result in monthly payments of approximately $20.00.
