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People Driven Credit Union

A member-owned, full-service financial institution for almost a century

The History of People Driven Credit Union

Anticipating and Understanding the needs of Members, because we are "People Driven."

Become a Member

A People Driven Story

1928: The Beginning

The journey began in 1928 when the Detroit Federal Employees Credit Union (DFECU) was founded to serve federal employees in the Detroit area and their families. Built on principles of mutual support and financial empowerment, this member-owned, full-service financial institution laid the foundation for what would become People Driven Credit Union.

1958: MPG Credit Union is Born

Three decades later, in 1958, a group of Ford Proving Ground employees came together to form MPG Credit Union (MPGCU). Their goal was clear: to provide accessible financial services to fellow employees and their families..

2001: Community Expansion

By 2001, MPGCU took a major step forward by expanding to a community charter. The credit union opened a new branch in Romeo at 33 Mile and Van Dyke. Along with this growth, it rebranded as MPG Community Credit Union (MPGCCU), while continuing to operate its original Proving Grounds branch.

2003: Broadening Horizons

In 2003, the Detroit Federal Employees Credit Union broadened its charter to include government and public school district employees across Wayne, Oakland, and Macomb counties—as well as their family members. This expansion marked an important milestone in the credit union’s mission to reach more members.

2005: Embracing Community

Just two years later, Detroit Federal Employees Credit Union changed its name to Peoples Trust Credit Union (PTCU) and further expanded eligibility. Now, anyone who lived, worked, or worshiped in Wayne, Oakland, or Macomb counties could become a member.

2008: A New Era

In 2008, Peoples Trust Credit Union merged with Automotive Federal Credit Union (AFCU). This strategic union prompted a new identity: Community Driven Credit Union (CDCU), symbolizing a deeper commitment to the communities it served.

2014: Becoming People Driven Credit Union

In 2014, MPG Community Credit Union merged with Community Driven Credit Union. We changed our name to People Driven Credit Union as part of this merger. At the same time, membership eligibility expanded again to include residents and workers in Genesee, Lapeer, Livingston, Macomb, Oakland, St. Clair, Washtenaw, and Wayne counties.

2018: A Move to Downtown Romeo

In an effort to better serve the local community, the Romeo branch moved from 33 Mile Rd to the heart of downtown Romeo in 2018. This relocation improved access and visibility for local members.

2023: A People Driven Story gets Statewide Service

In 2023, People Driven Credit Union merged with Community Alliance Credit Union (CACU) enabled membership expansion across the entire state of Michigan. Now, anyone who lives, works, or prays in Michigan is eligible to join. As a result, PDCU proudly serves over 26,000 members all owners of the credit union. As a non-profit cooperative, we remain focused on delivering low-cost financial solutions to empower our community.

2024: A message from Renee DeMarco, President/CEO Of PDCU.

At our 96th Annual Meeting in Southfield, Michigan, on March 27, 2024, President and CEO Renee DeMarco reflected on this remarkable journey. Her message underscored our enduring commitment to our members, our values, and the future we are building together driven by people, for people.

2028: Our People Driven story will celebrate our 100th year helping the families of Michigan.

We’re looking forward to our 100th anniversary in 2028, continuing to grow, innovate, and serve members across Michigan.

Frequently Asked Questions

You can easily schedule an appointment online for any of our locations. Navigate to our online scheduling platform and choose the Ypsilanti location from the list. Pick a day and time that works for you and confirm your appointment.
If you prefer in-person assistance, our Ypsilanti team would be happy to help you open an account. You also have the option to open an account online using our website. Discover the account types you can choose from.
Our Ypsilanti branch is located at 5397 West Michigan Ave., Ypsilanti, MI 48197. Get driving instructions and contact us with questions.
You can join People Driven Credit Union at the Ypsilanti location. First, book an appointment online or by phone. Then, when you arrive, a Ypsilanti team member will help you open your first account, a savings account with a minimum deposit of $5. The savings account gives you a share in the credit union and access to all we offer! Check our eligibility requirements and schedule your appointment today. We look forward to welcoming you to People Driven Credit Union!
Parking is available at our Ypsilanti location in our own dedicated parking lot at the front of the building.
Enjoy online transactions through our mobile app. Using our app, you can:
  • Transfer funds
  • Apply for a loan
  • Open a CD
  • Open an account
  • Find ATMs
  • Check account balances
  • Make a loan payment
  • Schedule one-time, future, or recurring payments
  • View and print copies of paid checks
  • Send money securely to anyone in the U.S.
  • MyPDCU Credit Score & Score Simulator
Download the app and start exploring People Driven’s mobile services.
At our Ypsilanti branch, enjoy a wide variety of services, including:
  • Become a member
  • Open an account
  • Drive-thru
  • Apply for a credit card
Read up on all our member services, and drop by our Ypsilanti branch for a visit!
The Ypsilanti location is open five days a week, and the drive-thru is open six days a week:
  • Monday: 9 AM to 5 PM
  • Tuesday: 9 AM to 5 PM
  • Wednesday: 10 AM to 5 PM
  • Thursday: 9 AM to 5 PM
  • Friday: 9 AM to 6 PM
  • Saturday: 9:30 AM to 1 PM (drive-thru only)
For 24/7 access, try our mobile app. Learn more about your online options.
Besides serving the town of Ypsilanti, this location also serves the surrounding areas:
  • Ann Arbor
  • Milan
  • Willis
  • Saline
  • Romulus
  • Belleville
The Ypsilanti branch welcomes members from across Michigan.
Yes, our Ypsilanti Branch is open for drive-thru service with Interactive Teller Machines (ITMs) staffed with live tellers on Saturdays from 9:30 AM to 1 PM. The inside of the branch is closed on Saturdays, and the entire branch is closed on Sundays; however, you can use the Interactive Teller Machines whenever you need to. They function as ATMs during non-business hours and are available 24/7. We observe major federal holidays.
You can find an ATM with 24/7 access at all of our branches, including the Ypsilanti location.
The Ypsilanti location has drive-thru services available:
  • Monday: 9 AM to 5 PM
  • Tuesday: 9 AM to 5 PM
  • Thursday: 9 AM to 5 PM
  • Wednesday: 10 AM to 5 PM
  • Friday: 9 AM to 6 PM
  • Saturday: 9:30 AM to 1 PM
Work with a teller conveniently from your car!
Scheduling an appointment online is possible for any of our locations. Simply visit our online scheduling platform to book an appointment at our Romeo branch.
You may open an account by visiting our Romeo branch or by using our website. If you’d like in-person assistance at our Romeo location, one of our team members would be happy to help you. Explore our different account options to see which one is the best fit for you.
Yes, there are mobile services available through our mobile app. These services include: Explore more People Driven Credit Union mobile services.
To become a member at the Romeo location, you’ll need to schedule an appointment. During your appointment, a staff member will help you open your first savings account and deposit a minimum of $5. This gives you a share in the credit union and unlocks all our member services! Explore eligibility requirements and schedule an appointment today. You can also apply for membership online.
Our Romeo branch is located at 141 South Main Street, Romeo, MI 48065. Get driving instructions or contact us if you have more questions.
Our Romeo location branch hours are Monday, Tuesday, and Thursday from 9 AM to 5 PM, Wednesday from 10 AM to 5 PM, and Friday from 9 AM to 6 PM. The drive-thru is open the same hours, plus Saturday from 9:30 AM to 1 PM for added convenience. We observe major federal holidays. Use our mobile app for 24/7 service. See more about online services.
The Romeo branch offers many services, including:
  • Becoming a member
  • Opening accounts
  • Applying for our Rewards Driven Credit Card
Read more about our other member services, and come visit us at our Romeo location today!
Yes, our Romeo Branch is open for drive-thru service with Interactive Teller Machines (ITMs) staffed with live tellers on Saturdays from 9:30 AM to 1 PM. The inside of the branch is closed on Saturdays, and the entire branch is closed on Sundays; however, you can use the Interactive Teller Machines whenever you need to. They function as ATMs during non-business hours and are available 24/7. We observe major federal holidays.
You can find an ATM with 24/7 access at our Romeo Branch drive-thru.
Yes, we have parking available at the Romeo location. Besides utilizing street parking on Main Street, you may also park in the lot on the south side of the building.
Yes, the Romeo location has drive-thru service six days a week:
  • Monday, Tuesday, and Thursday from 9 AM to 5 PM
  • Wednesday from 10 AM to 5 PM
  • Friday from 9 AM to 6 PM
  • Saturday from 9:30 AM to 1 PM
Get the support of a teller without leaving the comfort of your vehicle. Our friendly team members are ready to assist you with care.
Besides serving the Romeo area, our Romeo branch also services surrounding neighborhoods and towns, including:
  • Washington
  • Ray
  • Lakeville
  • Armada
  • Macomb
The Romeo branch welcomes members from across Michigan.
Yes, you may schedule an appointment online for any of our locations. Simply visit our online scheduling platform or call us at 844-700-7328.
While one of our team members would be happy to help you open an account in person at our Livonia location, you may also open an account online from anywhere. Explore our different account options, which include checking, savings, investment, youth, and more.
Our Livonia branch is located at 37401 Plymouth Road, Livonia, MI 48150. Get driving instructions or contact us with any questions.
Our Livonia branch location is open Monday, Tuesday, and Thursday from 9 AM to 5 PM, Wednesday from 10 AM to 5 PM, and Friday from 9 AM to 6 PM. Additionally, for members’ convenience, drive-thru hours extend to Saturday from 9:30 AM to 1 PM. We observe major federal holidays. 24/7 service is available through our mobile app. Learn more about your online options.
Yes, we have ample parking available at the Livonia location. Simply turn off Plymouth Road onto the access road that encircles the building. The parking lot for guests is available at the front of the building by the main entrance.
Yes, our Livonia Branch is open for drive-thru service with Interactive Teller Machines (ITMs) staffed with live tellers on Saturdays from 9:30 AM to 1 PM. The inside of the branch is closed on Saturdays, and the entire branch is closed on Sundays; however, you can use the Interactive Teller Machines whenever you need to. They function as ATMs during non-business hours and are available 24/7. We observe major federal holidays.
Visit our Livonia location during regular business hours and find out if you meet member eligibility requirements. Then, you just need to deposit a minimum of $5 into your first savings account. That gives you a share in the credit union and unlocks all our member services! Simply schedule an appointment, and one of our team members will be happy to guide you through the process.
By using our mobile app, you can enjoy the following capabilities on the go:
  • Transfer funds
  • Apply for a loan
  • Open a CD
  • Open an account
  • Find ATMs
  • Check account balances
  • Make a loan payment
  • Schedule one-time, future, or recurring payments
  • View and print copies of paid checks
  • Send money securely to anyone in the U.S.
  • MyPDCU Credit Score & Score Simulator
Learn more about our mobile services.
Many services are available at our Livonia branch, including:
  • Become a member
  • Open an account
  • Apply for a credit card
  • Drive-thru
You can also take advantage of and learn about our different member services. Come visit us today!
Besides servicing the Livonia area, our Livonia branch also serves surrounding neighborhoods and towns, including:
  • Plymouth
  • Westland
  • Garden City
  • Northville
  • Farmington
The Livonia branch welcomes members from across Michigan.
You can find an ATM with 24/7 access at all of our branches, including the Livonia location.
Yes, the Livonia location has drive-thru service six days a week:
  • Monday, Tuesday, and Thursday from 9 AM to 5 PM
  • Wednesday from 10 AM to 5 PM
  • Friday from 9 AM to 6 PM
  • Saturday from 9:30 AM to 1 PM
Get the support of a teller without leaving the comfort of your vehicle. Our friendly team members are ready to assist you with care.

No — our statewide membership is a recent development. In 2023, People Driven Credit Union merged with Community Alliance Credit Union, which expanded our charter to serve anyone who lives, works, worships, or attends school anywhere in Michigan.

Before this merger, membership eligibility was limited to specific counties and select employee groups. Over the years, we’ve expanded through mergers and charter changes — starting with serving federal employees in Detroit in 1928, then gradually opening to more communities in Wayne, Oakland, and Macomb counties, and eventually other areas.

Today, with more than 26,000 members across the state, our statewide reach allows us to deliver the same people-first service to members no matter where they call home in Michigan.

Credit unions are member-owned, not-for-profit financial cooperatives. This means our profits are returned to members in the form of better rates, lower fees, and improved services — not paid out to stockholders.
Yes — your deposits are federally insured by the National Credit Union Administration (NCUA) up to at least $250,000.
Anyone who lives, works, worships, or attends school anywhere in Michigan is eligible for membership. For complete details on who can join People Driven Credit Union, visit our Membership Eligibility webpage.

Is People Driven Credit Union the same as “Peoples Community Credit Union”?

No — our official name is People Driven Credit Union (PDCU). We know some folks say “Peoples Community Credit Union,” but that has never been our legal name. We’ll still respond if someone uses it, because the mix-up comes from our merger history.

Quick history:

  • Peoples Trust Credit Union merged with Automotive Federal Credit Union to form Community Driven Credit Union.
  • In 2014, MPG Community Credit Union merged with Community Driven Credit Union.
  • As part of that 2014 merger, we adopted the name People Driven Credit Union.

If you see “Peoples Community Credit Union” out in the wild, it’s likely referring to us — but the correct name is People Driven Credit Union (PDCU).

Yes, you can schedule an appointment in the Southfield branch online. Visit our online scheduling platform and select the Southfield branch from the menu of options. Then, choose the date and time that works for you.
Our Southfield branch is located at 24333 Lahser Road, Southfield, MI 48033. Get driving instructions or contact us with any more questions or concerns.
You can open an account in person or online. If you prefer to open an account in person at our Southfield location, our team is ready to help. Learn more about the different account options you can choose from.
Parking is easy at our Southfield location. There is a large lot directly in front of the building. After turning off Lahser Road,  look for the sign labeled ‘Member Parking.’
Yes, all People Driven Credit Union members can enjoy digital services through our mobile app. It includes these useful features:
  • Transfer funds
  • Apply for a loan
  • Open a CD
  • Open an account
  • Find ATMs
  • Check account balances
  • Make a loan payment
  • Schedule one-time, future, or recurring payments
  • View and print copies of paid checks
  • Send money securely to anyone in the U.S.
  • MyPDCU Credit Score & Score Simulator
Learn more at our mobile services page.
We’d love to welcome you to the People Driven family at the Southfield location. During an appointment at our office, a team member will help you open your first account — a savings account with a minimum deposit of $5. This account gives you a share in the credit union and unlocks everything we have to offer! See if you’re eligible for membership and schedule an appointment today.
Besides serving Southfield, this branch also serves many surrounding areas, including:
  • Oak Park
  • Lathrup Village
  • Beverly Hills
  • Huntington Woods
  • Highland Park
The Southfield branch welcomes members from across Michigan.
You can utilize all our convenient services at our Southfield branch. These include but aren’t limited to:
  • Becoming a member
  • Opening an account (e.g., checking, savings, investment)
  • Applying for a People Driven Credit Union credit card
  • Drive-thru transactions
Discover our other member services, and drop in for a visit at our Southfield location!
Our Southfield location branch hours are:
  • Monday: 9 AM to 5 PM
  • Tuesday: 9 AM to 5 PM
  • Wednesday: 10 AM to 5 PM
  • Thursday: 9 AM to 5 PM
  • Friday: 9 AM to 6 PM
Drive-thru service is also available during these hours, with the addition of Saturday from 9:30 AM to 1 PM for our members’ convenience. We observe major federal holidays. For 24/7 service, use our mobile app. Read more about our online options.
Yes, our Southfield Branch is open for drive-thru service with Interactive Teller Machines (ITMs) staffed with live tellers on Saturdays from 9:30 AM to 1 PM. The inside of the branch is closed on Saturdays, and the entire branch is closed on Sundays; however, you can use the Interactive Teller Machines whenever you need to. They function as ATMs during non-business hours and are available 24/7. We observe major federal holidays.
You can find an ATM with 24/7 access at all of our branches, including the Southfield location.
Yes. The Southfield location’s drive-thru is open six days a week: Monday, Tuesday, and Thursday from 9 AM to 5 PM, Wednesday from 10 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9:30 AM to 1 PM. Do everything you’d do at the counter from the comfort of your vehicle!
Of course! Scheduling an appointment online is straightforward. Visit our online scheduling feature and select the Warren location from the list of options. Pick a day and time and confirm your appointment.
Our Warren branch is located at 30897 Mound Road, Warren, MI 48092. Get driving instructions and contact us if you have any questions.
You can certainly visit our Warren branch to open an account if you’d like to; however, you don’t have to. You can also open an account online. If you prefer in-person assistance, our Warren team is ready to be your guide. Discover the different account options you can choose from.
All members can access their accounts online through our mobile app. It includes options to:
  • Transfer funds
  • Apply for a loan
  • Open a CD
  • Open an account
  • Find ATMs
  • Check account balances
  • Make a loan payment
  • Schedule one-time, future, or recurring payments
  • View and print copies of paid checks
  • Send money securely to anyone in the U.S.
  • MyPDCU Credit Score & Score Simulator
Download the app and start enjoying mobile app services.
Enjoy ample parking at our Warren location. There is parking available in the wrap-around lot at the front of the building and on the south side. Don’t forget to swing by the neighboring car wash or top up at the Marathon gas station!
You can become a People Driven Credit Union member at the Warren location. First, schedule an appointment online or by phone. During our meeting, a staff member will help you open a savings account with a minimum deposit of $5. Then you’ll have a share in the credit union and access to all our products and services! Check your membership eligibility and schedule your appointment today.
Besides serving members located in Warren, this branch also assists members living in:
  • Center Line
  • Madison Heights
  • Fraser
  • Sterling Heights
  • Hazel Park
The Warren branch welcomes members from across Michigan.
Our Warren location is open the following hours:
  • Monday: 9 AM to 5 PM
  • Tuesday: 9 AM to 5 PM
  • Wednesday: 10 AM to 5 PM
  • Thursday: 9 AM to 5 PM
  • Friday: 9 AM to 6 PM
Additionally, you can take advantage of our drive-thru during these hours. The drive-thru is also open Saturday from 9:30 AM to 1 PM for added convenience. We observe major federal holidays. To access your accounts at any time of the day, consider using our mobile app. Learn more about our online options.
Services at our Warren branch include:
  • Membership
  • Open an account
  • Drive-thru
  • Apply for a credit card
See all our member services, and come on over to Warren for a visit!
Yes, our Warren Branch is open for drive-thru service with Interactive Teller Machines (ITMs) staffed with live tellers on Saturdays from 9:30 AM to 1 PM. The inside of the branch is closed on Saturdays, and the entire branch is closed on Sundays; however, you can use the Interactive Teller Machines whenever you need to. They function as ATMs during non-business hours and are available 24/7. We observe major federal holidays.
You can find an ATM with 24/7 access at all of our branches, including the Warren location.
Enjoy drive-thru services six days a week at our Warren location. This service is available:
  • Monday, Tuesday, and Thursday from 9 AM to 5 PM
  • Wednesday from 10 AM to 5 PM
  • Friday from 9 AM to 6 PM
  • Saturday from 9:30 AM to 1 PM
Get help from a teller conveniently without leaving your car!

Former Community Alliance Credit Union (CACU) members should now use People Driven Credit Union’s routing number: 272484988.

What is Community Alliance Credit Union’s (CACU) routing number?

In 2023, People Driven Credit Union merged with Community Alliance Credit Union. The old CACU routing number (272477885) is being phased out. Starting January 1, 2026, it will no longer be accepted for check processing.

Which Routing Number Should You Use Now?

Use People Driven Credit Union’s routing number 272484988 for all new checks, direct deposits, ACH transfers, and bill payments. This ensures your transactions process smoothly.

Important Dates

Former CACU members who wrote at least one check using the old routing number in the past 12 months will receive reminder letters in October 2025 and December 2025. After January 1, 2026, the old number (272477885) will be discontinued.

Common Questions

What is Community Alliance Credit Union’s (CACU) routing number? The old CACU routing number was 272477885. Former members should now use People Driven Credit Union’s routing number 272484988 for all transactions.

Get Help from Our Team

Call us at 844-700-7328 during business hours. Our team will confirm your correct routing number and answer any questions about the merger. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

5 Helpful Hints for Former CACU Members

  1. First, update all checks, direct deposits, and bill pay with the routing number 272484988.
  2. Next, order new checks with the correct routing number as soon as possible.
  3. Also, notify your employer or any companies that send you money.
  4. Then, watch for reminder letters in October and December 2025.
  5. Finally, contact us at 248-263-4100 if you need help updating your routing number.
People Driven Credit Union made the merger seamless for all former Community Alliance Credit Union members. You now use one routing number (272484988) for everything, and your money remains fully protected. Many former CACU members have already updated their information and enjoy the expanded services and locations. Thank you for banking with us. Our team is always ready to help you with any routing number questions.
Quick answer: People Driven Credit Union’s routing number is 272484988.

When you need the routing number

You use your People Driven Credit Union routing number for: • Setting up direct deposit • Making ACH transfers and linking external accounts • Scheduling automatic payments • Processing certain wire instructions

Common questions

Is the routing number the same for all members?

Yes. People Driven Credit Union uses a single routing number for every member. You should always confirm the number for special cases, such as international wire transfers.

What is a bank wire transfer at People Driven Credit Union?

You send a bank wire to quickly and securely transfer money from your account to another financial institution. At PDCU, you choose wires for large or urgent payments such as down payments, closing costs, or sending money to family.

How do I send a wire transfer from my PDCU account?

You can call us at (248) 263-4100 or visit a branch. Give us the recipient’s full name, address, account number, and the receiving bank’s routing number (ABA). We handle the rest for you.

How much does a wire transfer cost at People Driven Credit Union?

We charge $30 for domestic outgoing wire transfers and $50 for international outgoing wire transfers. Check our current fee schedule for full details.

How long does a wire transfer take with PDCU?

Domestic wires are usually processed the same business day if requested before the daily cutoff. Funds are typically available to the recipient within hours.

What information do I need to receive a wire into my PDCU account?

Give the sender these exact instructions: • Wire to: Alloya Corporate Federal Credit Union, 26555 Evergreen, Southfield, MI 48076 • ABA: 272478075 • Credit to: People Driven Credit Union, 24333 Lahser, Southfield, MI 48033 • Account: 272484988 • Final credit: Your full name + PDCU account number + account type (Checking/Savings) Full details: Wiring Instructions

What’s the difference between Bill Pay and a wire transfer?

You use Bill Pay to pay bills to companies — it’s usually free or low-cost, and you can schedule payments anytime. You send a wire transfer when you need the money to arrive the same day. Wires cost $30–$50 and work best for urgent or large transfers that can’t wait 1–3 days.

Are wire transfers safe at People Driven Credit Union?

Yes — wires are one of the safest payment methods. They are final and cannot be reversed, so always verify the recipient’s details and watch for wire-fraud scams.
People Driven Credit Union’s routing number is 272484988.

Learn More About People Driven Credit Union:

Disclosures

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the NCUA, a government agency.

*This site may be utilized for authorized purposes only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Activity on this site is monitored for security purposes.

For more information, read the People Driven Credit Union’s privacy policy.

Membership Requirement

All accounts and loans require membership at People Driven Credit Union. Membership is available to individuals who live, work, worship, or attend school in the State of Michigan, as well as relatives of current members. To complete an application for any account or loan, you will need the following information:
  • A valid Driver's License, State ID, or Passport with your current address
  • Your Social Security Number
A Membership Share Savings Account is required to establish membership at People Driven Credit Union. A $5 deposit secures your ownership share in the credit union and unlocks access to our full suite of products and services. This account earns 0.01% APY with a $5 minimum deposit.