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 temporary loss of income, an emergency fund helps you handle life’s “plot twists” without leaning ...
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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 way to Check your debt to income ratio (DTI) module will be available inside the Credit Score experience in the MyPDCU app, powered by SavvyMoney. What is Debt-to-Income (DTI)? Your debt-to-income ratio ...
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What to Do If You Think You’re Being Scammed (or Have Been Scammed)
Being scammed creates 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. Don’t click. Then verify using a trusted number you already have. Step 1: Stop the Interaction Hang up (even ...
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Small Business Tax Services: Exclusive Member Discounts
Running a small business takes grit, determination, and an entrepreneurial spirit. However, amidst the hustle and bustle of daily operations, one critical aspect often looms large: filing taxes. It shouldn’t drain your energy or your passion for what you do. Let’s explore how small business tax services can make this process smoother and more beneficial for you. Utilizing Small Business ...
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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. Build your savings with Save to Win® rewards the habit of saving with chances to win cash prizes, without risking your savings. (See official rules for details.) At People Driven Credit Union, you’ve got three ways to build your savings. People Driven Credit Union is federally insured ...
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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 of living have only made it harder for families to keep up, leaving many searching for relief. That’s why debt consolidation is ...
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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 PDCU offers more than a dozen different personal loans and quick cash options ...
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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 Union, this program is a fixed-rate balloon loan with a 6-month term; monthly payments ...
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Bridge Loans vs. 80-10-10 Piggyback
Bridge Loans vs. 80-10-10 Piggyback. 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, Different Jobs Choose based on the job you need done—not the latest internet advice. Objectives: Bridge Loans vs. 80-10-10 Piggyback, ...
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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 to Improve Your Personal Loan Application for personal loans to help you make your application as strong as it can be. Why Your ...
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