Account Options

To open a People Driven Credit Union account, you will typically need your name, date of birth, Social Security number or taxpayer identification number, contact information, and a valid government-issued ID. You may also need a funding source for your opening deposit.

If you are opening a joint account, each account owner will need to provide their information. For youth accounts, a parent or legal guardian may need to be listed on the account.

People Driven Credit Union membership is open to anyone who lives, works, worships, or attends school in Michigan. Relatives of current PDCU members may also be eligible to join.

If you are not sure whether you qualify, contact People Driven Credit Union and we can help confirm your eligibility.

The $5 membership deposit opens your Membership Share Savings account and establishes your membership with People Driven Credit Union.

This deposit represents your ownership share in the credit union. As long as you remain a member, the $5 stays in your Membership Share Savings account.

Yes. Many PDCU members open more than one savings account to organize money for different goals, such as emergencies, holidays, vacations, taxes, home projects, or future purchases.

You can also nickname accounts in digital banking to make it easier to track each savings goal.

Yes. Many People Driven Credit Union accounts can be opened online. You can start the process from the account page that matches the product you want to open.

Some accounts, such as certain IRA or business account options, may require additional information or assistance from a PDCU team member.

The best account for earning dividends depends on your balance, access needs, and savings goals. Money Market accounts, High-Yield Money Market accounts, Certificates, and IRA savings options may offer higher dividend opportunities than a basic savings account.

If you want regular access to your funds, a Money Market account may be a better fit. If you can leave your money deposited for a set term, a Certificate may be worth considering.

A savings account is a flexible account for setting money aside while keeping access to your funds.

A Money Market account is designed for members who want to earn dividends while maintaining access to their money. Rates and features may vary based on balance and account type.

A Certificate allows you to deposit money for a set term in exchange for a fixed dividend rate. Certificates are often used for longer-term savings goals when you do not need immediate access to the funds.

Yes. People Driven Credit Union deposit accounts are federally insured by the National Credit Union Administration, also known as the NCUA, up to applicable limits.

This coverage helps protect eligible deposits in savings, checking, money market, and certificate accounts.