Options
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Open Online
Open a new account, add services as a current member, or check your status.
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Savings Options
For membership, emergency savings, and separate savings goals.
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Checking Options
For everyday spending, debit card use, direct deposit, and mobile banking.
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Investment Savings Options
Explore savings options built for growth, including Money Market, Certificates, Save to Win® Certificates, and IRA savings options.
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Business Options
For Michigan business owners who need checking, savings, and business services.
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Youth Accounts
For kids and teens learning to manage money with adult guidance.
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Save to Win®
For members who want to build savings and earn entries into prize drawings.
More info
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Get Paid Early
Set up direct deposit to your PDCU savings or checking membership and you may receive your paycheck up to two days early. Availability depends on when your employer or payer sends the deposit.
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Fees
Review PDCU’s current fees, including service fees, overdraft-related fees, check fees, and other charges.
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Savings Rates
Compare current savings, money market, certificate, and IRA rates to find the option that fits your goals.
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MyPDCU App
Manage your membership from your phone with the MyPDCU App. Check balances, transfer funds, deposit checks, pay bills, and monitor activity.
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Membership Eligibility
Learn who can join People Driven Credit Union and how a $5 Membership Share Savings deposit establishes your membership.
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Routing Number
Find PDCU’s routing number for direct deposit, ACH transfers, wire transfers, and other banking needs. PDCU routing number: 272484988.
Frequently asked questions
What do I need to open a PDCU Membership?
To open a People Driven Credit Union Membership, 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 membership, each owner will need to provide their information. For youth Memberships, a parent or legal guardian must be listed.
Do I need to live in Michigan?
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.
What is the $5 membership deposit?
The $5 membership deposit opens your Membership Share Savings 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.
Can I open more than one savings Membership?
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.
Can I open my membership online?
Yes. Many People Driven Credit Union services can be opened online. You can start the process on the page for the product you want to open.
Some accounts, such as certain IRA or business options, may require additional information or assistance from a PDCU team member.
Which is best for earning dividends?
The best for earning dividends depends on your balance, access needs, and savings goals. High-Yield Money Market, Certificates, and IRA savings options may offer higher dividend opportunities than a basic savings membership.
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.
What is the difference between a savings account, a money market account, and a certificate?
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.
Is People Driven Credit Union federally insured?
Yes. People Driven Credit Union deposits are federally insured by the National Credit Union Administration (NCUA), up to applicable limits.
This coverage helps protect eligible deposits in savings, checking, money market, and certificate accounts.
Learn more
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