Skip nav to main content.
People Driven Credit Union

Membership

Membership Eligibility

If you live in Michigan, you can join People Driven Credit Union

Join Today!

People Driven Credit Union membership is open to everyone who lives in Michigan. Becoming a member begins with opening a Membership Share Savings Account and making a $5 ownership deposit. You can also apply for a PDCU loan before joining, then complete your membership and ownership deposit when your loan is approved.

IMPORTANT INFORMATION ABOUT PROCEDURES WHEN OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all bank to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, physical address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license and other identifying documents. We may also ask you to see the business authorization and verification documents if you are opening a new business account.

Who can join People Driven Credit Union?

People Driven Credit Union membership is available to a diverse range of individuals and organizations, including:

  • All Michigan residents
  • Individuals who live, work, attend school, or worship anywhere in Michigan
  • Employees or retirees of U.S. federal government agencies who reside, work, or report to an agency headquartered in Michigan
  • State, county, or local government employees or retirees, including those working for political subdivisions based in Wayne, Oakland, or Macomb counties

Other ways to qualify for membership

How to become a member

Joining People Driven Credit Union is easy! You can become a member by:

Start your membership today!

What you need to become a member

Before starting your membership application, have the following ready:

  • A valid driver’s license, state ID, or passport showing your current address
  • Your federal identification number.
  • A $5 deposit to open your required Membership Share Savings Account

You may apply for a PDCU loan before becoming a member. If your loan is approved, you will open your Membership Share Savings Account and make the $5 ownership deposit at that time.

How to open your membership

  1. Complete the online application. Provide your personal information, identification details, and other requested information.
  2. Submit your application for review. PDCU will review the information you provide and contact you if anything else is needed.
  3. Open your Membership Share Savings Account. Make the required $5 ownership deposit when opening your account.
  4. Receive confirmation. After your membership is approved and your account is opened, PDCU will provide information about accessing and managing your account.

You may also apply for a PDCU loan before becoming a member. If your loan is approved, you will complete the membership process and make the $5 ownership deposit at that time.

Open Your PDCU Membership

What membership means

People Driven Credit Union is a member-owned financial cooperative. When you open a required Membership Share Savings Account and make the $5 ownership deposit, you become a member and part-owner of the credit union.

Unlike a bank owned by outside shareholders, PDCU exists to serve its members. Your membership gives you access to PDCU checking and savings accounts, loans, credit cards, digital banking tools, financial guidance, and other member services. As long as you maintain your membership, you can remain a PDCU member if you move outside Michigan, change employers, or retire.

Explore PDCU membership benefits

Explore PDCU Membership Benefits

Frequently asked questions

People Driven Credit Union membership is open to anyone who lives in Michigan. Membership is also available through certain family, employment, retirement, and organizational connections.

Yes. If you live anywhere in Michigan, you are eligible to become a People Driven Credit Union member.

You will need a valid driver’s license, state ID, or passport showing your current address, your Social Security number, and a $5 deposit for your Membership Share Savings Account.

Yes. Every PDCU member must open a Membership Share Savings Account to establish membership and ownership in the credit union.

A $5 ownership deposit is required to open your Membership Share Savings Account and establish your PDCU membership.

Yes. Immediate family members of eligible individuals and current PDCU members may qualify for membership.

Yes. Once you become a PDCU member, you may keep your membership if you move outside Michigan, change employers, or retire, as long as you maintain your membership.

Yes. You may become a member before applying for a loan. You may also apply for a PDCU loan before joining. If your loan is approved, you will open your required Membership Share Savings Account and make the $5 ownership deposit at that time.

Certain businesses, organizations, and other legal entities may qualify for PDCU membership. Contact PDCU to confirm eligibility before starting a business membership application.

Yes. People Driven Credit Union is federally insured by the National Credit Union Administration, also known as the NCUA.

Learn more about membership benefits at PDCU

Member Appreciation Week 2026

Member Appreciation Week 2026

At People Driven Credit Union, our members are at the heart of everything we do. Member Appreciation Week...Read More

Graphic: Signs of identity theft, How to Tell If Someone Is Using Your Identity.

How to Tell If Someone Is Using Your Identity

Identity theft does not always announce itself with one obvious warning. Sometimes the first sign is a small...Read More

Graphic: What to do if your identity is stolen.

What to do if your identity is stolen

Discovering that someone may be using your identity can be unsettling. Maybe you notice a purchase you did...Read More

Graphic: Member exclusive: Trust & Will discount- save 30% on Trust & Will estate plans in October.

Member exclusive: Save 30% on Trust & Will estate plans in October

Estate planning can help you make your wishes clear, protect the people you care about, and decide how your...Read More

View more about Member Benefits