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Savings Rates
Savings Rates
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Minimum Balance to Earn Dividend
Dividend Rate
APY²
$100 and over 0.010% 0.01% Rates Effective as of:
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Term
Minimum Balance
Dividend Rate
APY²
CD Special - 9 mth $500 3.941% 4.00% CD Special - 16 mth $500 4.063% 4.13% 6 Month $500 2.624% 2.65% 6 Month Jumbo $25,000 2.673% 2.70% 1 Year $500 2.722% 2.75% 1 Year Jumbo $25,000 2.771% 2.80% 1 Yr SuperJumbo $100,000 2.820% 2.85% 1 Year Save to Win $25 2.673% 2.70% 1 Year Youth $25 4.426% 4.50% 2 Year $500 2.231% 2.25% 2 Year Jumbo $25,000 2.280% 2.30% 3 Year $500 2.231% 2.25% 3 Year Jumbo $25,000 2.280% 2.30% 4 Year $500 2.477% 2.50% 4 Year Jumbo $25,000 2.526% 2.55% 5 Year $500 2.477% 2.50% 5 Year Jumbo $25,000 2.526% 2.55% Rates Effective as of:
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High Yield Money Market Account Rate
³New money required to qualify for this rate. Only new funds transferred from external sources to the credit union qualify for this promotion.
Minimum Deposit
Dividend/Interest Rate
APY²
$10,000 and above³ 3.687% 3.75% Rates Effective as of:
Explore High Yield Money Market Accounts
Money Market Plus Account Rates
³New money required to qualify for this rate. Only new funds transferred from external sources to the credit union qualify for this promotion.
Minimum Deposit
Dividend/Interest Rate
APY²
$1,000 to $2,499 0.349% 0.35% $2,500 to $9,999 0.499% 0.50% $10,000 to $24,999 0.598% 0.60% $25,000 to $49,999 1.094% 1.10% $50,000 to $99,999 1.144% 1.15% $100,000 to $249,999 1.243% 1.25% $250,000 and above 2.960% 3.00% Rates Effective as of:
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³New money required to qualify for this rate. Only new funds transferred from external sources to the credit union qualify for this promotion.
Minimum Deposit
Dividend/Interest Rate
APY²
$1,000 to $4,999 0.349% 0.35% $5,000 to $24,999 0.499% 0.50% $25,000 and above 1.094% 1.10% Rates Effective as of:
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Minimum Deposit
Dividend/Interest Rate
APY²
$100 0.499% 0.50% Rates Effective as of:
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³New money required to qualify for this rate. Only new funds transferred from external sources to the credit union qualify for this promotion.
Type
Minimum Deposit
Dividend/Interest Rate
APY²
Traditional $100 0.350% 0.35% Roth $100 0.350% 0.35% Educational $100 0.350% 0.35% Rates Effective as of:
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Loan Rates
Loan Rates
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Auto loan rates for new & 5 years or less used cars, trucks, SUVs, & vans:
Term
(Months)
≤36
37-48
49-60
61-72
APR*
as low as¹
4.99% 4.99% 4.99% 4.99% Rates Effective as of:
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Rebuilt & Salvage Title Auto Loan Rates: Add an additional 2% to the member’s qualifying rate for used vehicles.
Auto loan rates for used cars, trucks, SUVs, & vans older than 5 years. Add 3.00% to applicable rate on loans with collateral that is 10 years old or older.
Term
(Months)
≤36
37-48
49-60
61-72
APR*
as low as¹
5.74% 6.80% 6.80% 7.25% Rates Effective as of:
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For cars 26 Years or older. Must have appraisal by licensed appraiser.
Term
(Months)
≤36
37-48
49-60
61-72
APR*
as low as¹
7.74% 8.80% 8.80% 9.25% Rates Effective as of:
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Loan and financing rates for motor homes, campers, boats, motorcycles, ATVs and snowmobiles. Add 1.00% to applicable rate on loans with collateral that is 11 to 15 years old. PDCU may consider doing a loan with collateral that is older than 15 years (on an exception basis only), in which case 2.00% would be added to applicable rate.
Term
(Months)
≤60
61-84
85-120
121-180
APR*
as low as¹
7.04% 8.25% 8.70% 9.50% Rates Effective as of:
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For 2nd homes add 2%, for investment properties add 2.5%
LTV <80% Term
(Months)
≤60
61-120
121-180
181-240
APR*
as low as
7.29% 7.95% 8.75% 9.00% LTV >80-90% Term
(Months)
≤60
61-120
121-180
181-240
APR*
as low as
7.79% 8.45% 9.25% 9.50% LTV >90-100% Term
(Months)
≤60
61-120
121-180
181-240
APR*
as low as
8.29% 8.95% 9.75% 10.00% Rates Effective as of:
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For 2nd homes add 2%, for investment properties add 2.5%
LTV
(Months)
≤80%
>80-90%
>90-100%
APR*
as low as
7.25% 8.00% 8.75% Closing Fee
$275 $275 $275 Processing Fee
$200 $200 $200 Payment
Interest Only Interest Only Interest Only Minimum
$50 $50 $50 Rates Effective as of:
Variable Rate Details
- • Index & Margin – Your APR equals the Wall Street Journal Prime Rate plus a margin of –1.25% to +6.50%, set at closing and based on credit profile and LTV.
- • Adjustment Frequency – The APR and minimum payment adjust on the first business day of each monthly billing cycle as the Prime Rate changes.
- • Rate Caps – Lifetime floor 4.00 %; lifetime ceiling 18.00%.
- • Early-Termination Fee – If the line is closed within 24 months, we will recapture up to $300 and any third-party fees paid on your behalf.
- • Payment Impact – Minimum monthly payment will increase or decrease whenever the APR changes. Primary contact is Darlene Papanichola NMLS#1324757
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Term
(Months)
≤36
37-60
61-72
73-84
APR*
as low as¹
10.64% 12.70% 13.90% 14.90% Rates Effective as of:
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Loan Amount
Term
(Months)
APR*
as low as
$500-$999 12 24.71% $1000-$1500 12 24.71% $1501-$2000 12 24.71% Rates Effective as of:
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Card Type
Visa Rewards Driven Credit Card Minimum Payment
3% of Balance, $30 Minimum Term Rate (APR*)
as low as
13.50% Intro Rate (APR*)
First 6 Months
3.99% Rates Effective as of:
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Type
Minimum Payment
APR*
Line of Credit/Overdraft Protection (ODLOC) 3% of Balance, $30 Mininum 13.70% Rates Effective as of:
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Secured Loan
Max Term
(Months)
APR*
as low as
Share Covered 84 5.25% Credit Builder Loan (Max $2,000) 18 13.00% CD Secured Loan (No Money Market, IRA, or Club Accounts) 84 APY + 3.50% Rates Effective as of:
5.25%
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Savings & Loan Rates
Rates are effective as of today and are subject to change
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. This yield assumes that interest remains in the account until the maturity date. Please note that withdrawals and fees may reduce earnings. Additionally, this offer is subject to change or discontinuation at any time.
Early Withdrawal Penalties:
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For CDs with a term of 6 months or less: Loss of 30 days’ interest
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For CDs greater than 6 months or up to 12 months: Loss of 90 days’ interest
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For CDs greater than 12 months: Loss of 180 days’ interest
To open a six-month CD, the minimum deposit is $500, with a maximum of $250,000. For Jumbo CDs, the minimum deposit required is $25,000.
³New Funds Requirement: This promotional offer is valid only for new funds transferred from an external source to People Driven Credit Union.
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.
People Driven Credit Union is an Equal Housing Opportunity Lender NMLS #776727
All other trademarks are the property of their respective owners.
