How to Build an Emergency Fund (and Why It’s Important)
An emergency fund is the financial equivalent of keeping a spare tire in the trunk. You don’t plan to use it… but when you need it, you really need it. Whether it’s a car repair, an unexpected medical bill, a home maintenance surprise, or a...
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Check Your Debt-to-Income Ratio in Seconds
If you’ve ever wondered, “Am I carrying too much monthly debt?” you’re not alone—and now you’ll have a quick way to see it. Starting January 13, 2026, a new Debt-to-Income (DTI) module will be available inside the Credit Score experience in...
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What to Do If You Think You’re Being Scammed (or Have Been Scammed)
Scammers win by creating panic and urgency. Your job is to do the opposite: slow the situation down, verify independently, and take fast action where it matters. If you’re in the middle of a suspicious call/text right now: Hang up. Don’t reply....
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Small Business Tax Services: Exclusive Member Discounts
Running a small business takes grit. Filing taxes shouldn’t take your soul, too. Small business tax services discounts for PDCU members People Driven Credit Union is excited to share new special member discounts on small business tax prep...
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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. (See official rules for details.) At People Driven Credit...
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Is Debt Consolidation Worth It? A 2026 Analysis
Credit card balances remain near record highs in 2026, with national average interest rates still exceeding 20% APR. For many households, that means hundreds of dollars each month going toward interest alone, while balances barely decrease. Rising costs...
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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 a major purchase, People Driven Credit Union has a plethora of options available to its members. But which one is right for you? Before you make your decision, you should know that...
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How a Bridge Loan Works
A bridge loan lets you use the equity in your current home to fund the down payment on your next one—so you can buy first, sell second, and move once. Buy Before You Sell: How a Bridge Loan Works (Without the Headache) At People Driven Credit...
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Bridge Loans vs. 80-10-10 Piggyback
Bridge loans and 80-10-10 piggybacks both help you buy a home, but they solve different problems. A bridge loan tackles timing (buy before you sell). An 80-10-10 tackles structure (keep the first mortgage at 80% to avoid PMI). Different Tools,...
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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 daunting task. At People Driven Credit Union, we want to make the process as smooth as possible. Here are some application tips for personal loans to help you make your application...
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