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Savings & Loan Rates

Rates are effective as of today and are subject to change.

  • Savings Rates
    • Share Savings, Member’s Choice, Holiday & Vacation Club

      Rates Effective as of: 04-17-2024
      Minimum Balance (Range) to Earn Stated Dividend Dividend RateAPY
      $100 and over 0.01% 0.01%

      APY=Annual Percentage Yield

    • Savings Certificates and IRA Certificates Traditional-Roth-Educational

      Rates Effective as of: 04-17-2024
      Term Minimum Balance Dividend RateAPY
      6 Month $500 2.624% 2.65%
      6 Month Jumbo$25,000 2.673%2.70%
      1 Year $5002.722%2.75%
      1 Year Jumbo$25,0002.771%2.80%
      1 Yr Super Jumbo$100,0002.820%2.85%
      Save to Win CD$252.673%2.70%
      1 Year Youth (<$10,000)$254.426%4.50%
      1 Year Youth (>$10,000)$254.426%4.50%
      2 Year$5002.231%2.25%
      2 Year Jumbo$25,0002.280%2.30%
      3 Year$5002.231%2.25%
      3 Year Jumbo$25,0002.280%2.30%
      4 Year$5002.477%2.50%
      4 Year Jumbo$25,0002.526%2.55%
      5 Year$5002.477%2.50%
      5 Year Jumbo$25,0002.526%2.55%
      CD Special 9 Month $5004.957%5.05%
      CD Special 16 Month $5004.668%4.75%
      CD Special 28 Month $5004.378%4.45%
    • High Yield Money Market

      Rates Effective as of: 04-17-2024
      Minimum Deposit Dividend/Interest RateAPY
      $10,000 and above 4.410% 4.50%

      APY=Annual Percentage Yield. Only new funds transferred from external sources to the credit union qualify for this promotion.

      Money Market Plus Accounts

      Rates Effective as of: 04-17-2024
      Minimum Deposit Dividend/Interest RateAPY
      $1,000 - $2,4990.349% 0.35%
      $2,500- $9,999 0.499% 0.50%
      $10,000-$24,9990.598%0.60%
      $25,000-$49,9991.094%1.10%
      $50,000-$99,9991.144%1.15%
      $100,000-$249,9991.243%1.25%
      $250,000 and Above2.960% 3.00%

      APY=Annual Percentage Yield

    • Money Market IRA

      Rates Effective as of: 04-17-2024
      Minimum Deposit Dividend/Interest RateAPY
      $1,000 to $4,999 0.349% 0.35%
      $5,000 to $24,9990.499%0.50%
      $25,000 and above1.094%1.10%

      APY=Annual Percentage Yield

    • IRA VARIABLE RATE SAVINGS (Traditional, Roth, Educational)

      Rates Effective as of: 04-17-2024
      Minimum Deposit Dividend/Interest Rate APY
      $100 0.350% 0.35%
  • Loan Rates
    • New & 5 Years or Less Used Cars, Trucks, and Vans

      Rates Effective as of: 04-17-2024
      Max Term Term Rate (APR)
      Up to 36 Months As low as 6.45%
      37 to 48 Months As low as 7.25%
      49 to 60 Months As low as 7.25%
      61 to 72 Months As low as 7.50%
      73 to 84 Months As low as 7.75%
      96 Months As low as 8.00%
    • Used Cars, Trucks, and Vans Older Than 5 Years

      Rates Effective as of: 04-17-2024
      Max Term Term Rate (APR)
      Up to 36 Months As low as 6.95%
      37 to 48 Months As low as 7.75%
      49 to 60 Months As low as 7.75%
      61 to 72 Months As low as 8.00%
      73 to 84 Months As low as 8.25%
      96 Months As low as 8.50%
    • 26 years & older.  Must have an appraisal by a licensed appraiser.

      Classic Cars, 26 Years & Older

      Rates Effective as of: 04-17-2024
      Max Term Term Rate (APR)
      Up to 36 Months As low as 9.20%
      37 to 48 Months As low as 10.00%
      49 to 60 Months As low as 10.00%
      61 to 72 Months As low as 10.25%
    • First Mortgage Loans

      Rates Effective as of: 04-17-2024
      Other Info TermRates (APR)
      Down payments are required Fixed or Adjustable For today’s rates, click below or call (248) 263-4148

      For today’s rates, Click Here

    • RECREATION VEHICLES

      Rates Effective as of: 04-17-2024
      Term Term Rate (APR)
      Up to 60 Months As low as 8.24%
      61-84 Months As low as 9.20%
      85-120 Months As low as 9.45%
      121-180 Months As low as 9.95%
    • Unsecured Loan

      Rates Effective as of: 04-17-2024
      Max Term Term Rate (APR)
      Up to 36 months As low as 11.50%
      37 - 60 Months As low as 13.30%
      61 - 72 Months As low as 14.30%
    • Line of Credit/Overdraft Protection

      Rates Effective as of: 04-17-2024
      Minimum Payment Term Rate (APR*)
      3% of Balance, $30 Mininum 14.90%
    • Other Secured Loans

      Other Secured LoansMax TermRate (APR)
      Share Covered84 Month5.25%
      Credit Builder Loan18 Month13.00%
      CD Secured Loan 84 monthAPY + 3.50%
    • Credit Cards

      Rates Effective as of: 04-17-2024
      Type Minimum Payment Term Rate (APR) Intro Rate (APR)
      REWARDS VISA3% of Balance, $30 Minimum APR* as low as 14.5%3.99% for 6 months

      *Annual Percentage Rate (APR) for Purchases

      All rates are variable and disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A lending specialist will let you know the rate you qualify for after reviewing your application documents. Rates are subject to change at any time. For details or latest rate information, contact a credit union representative

      Download Disclosure https://www.peopledrivencu.org/wp-content/uploads/2024/01/2024-01-31-pdcu-visa-rewards-card-disclosure.pdf

      CREDIT CARD AGREEMENT

Disclosures

*APR = Annual Percentage Rate: The actual APR and loan term is subject to approval and may be determined upon the borrower’s creditworthiness, the amount borrowed, and the type, value, age, and condition of the collateral offered to secure the loan (when applicable). Rates are effective as of today and are subject to change.

Special Loan Rate Discount: Benefit from a 0.25% reduction when enrolling in our AutoPay service and is included in the “as low as” rate advertised. The discount is available to those with Direct Deposit of payroll, social security, or retirement and AutoPay setup from a People Driven Credit Union checking or savings account.

Payment Example: Monthly payments of $20.00 for each $1,000 borrowed at 6.55% APR for 60 months.

APY=Annual Percentage Yield. The minimum to open six month CD is $500, maximum is $250,000. The minimum to open any other term CD is $2,500. APY is based on the assumption that interest will remain in the account until maturity. Withdrawals and fees may reduce earnings. It may be discontinued or changed at any time. Early Withdrawal Penalty for fixed term certificates (CDs) and IRAs: Loss of 30 days interest for CDs with a term of 6 months or less. Loss of 90 days interest for CDs with a term greater than six months or equal to 12 months. Loss of 180 days interest for CDs with a term greater than 12 months

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. APR = Annual Percentage Rate. Rates effective as of today and may change at any time. Penalties apply for early withdrawal. View our Privacy Policy and read our disclaimer regarding links to other sites.

E H L.People Driven Credit Union is an Equal Housing Opportunity Lender NMLS #776727
All other trademarks are the property of their respective owners.