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.
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 providing competitive rates, flexible terms, and personalized service ensures that you have the support and resources needed to achieve your financial goals.
Loan Options
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Personal Loans
Personal loans, personal lines of credit, and loans for anything or everything.
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Auto Loans
Financing options for new cars, trucks, SUVs, motorcycles, boats, and RVs.
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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.
Financial Help Is Here
Learn More About Our Products
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Mortgage Loans
Buy the new home of your dreams with our personalized service, competitive rates, and flexible financing options.
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Savings Accounts
Your $5 deposit gives you a share in the credit union and allows you to use all of our great services.
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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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Youth Accounts
Empower your children with smart money habits from an early age by opening a PDCU Youth Account.
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
How to make a budget
Let’s be honest: most budgets don’t fail because people “can’t do math.” They fail because......Read More
New Year, New Goals: How to Plan Your 2026 Finances
As the year winds down and your calendar fills up with family, shopping, and last-minute......Read More
Year-End Financial Checklist: Steps to Take Before 2026
As 2025 winds down, it’s the perfect time to give your money habits a quick......Read More
Avoid the Post-Holiday Debt Hangover: Manage Expenses with Debt Consolidation
The holidays are supposed to come with joy, not a financial hangover. But once the......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.
