PDCU Account Options

Accounts to meet your financial needs and goals.

People Driven Credit Union offers 7 types of accounts designed to fit where you are right now financially and where you want to go. Whether you are opening your first account, building an emergency fund, growing long-term savings, or teaching a child how money works, there is an account here for that.

PDCU is a member-owned Michigan credit union. That means your $5 membership deposit makes you a part-owner, not just a customer. There are no outside shareholders to satisfy, which is why fees stay low and service stays personal.

1. Checking account give you day-to-day access to your money with a Visa debit card, direct deposit, and overdraft protection options. If you have direct deposit set up, you may also qualify to get your paycheck up to two days early.
2. Savings account start with a $5 Member Share Savings Account, which establishes your PDCU membership and earns dividends. From there you can add additional savings accounts for specific goals like vacations, home repairs, or an emergency fund.
3. Money market account and high-yield money market accounts are for members who want to earn more on larger balances while keeping their money accessible. Rates on these accounts are tiered, meaning the more you save, the more you earn.
4. Certificates of deposit lock in a fixed rate for a set term, which makes them a solid option when you want guaranteed growth without market risk. PDCU also offers a 9-month CD Special and IRA Certificates for retirement savings.
5. Save to Win account combine saving with a chance to win. Every $25 deposit earns an entry into monthly, quarterly, and yearly cash drawings. It is a product unique to credit unions and a proven way to build a savings habit.
6. Youth account are designed for kids and teens, with parental oversight built in. Teaching money habits early pays off, and PDCU’s youth accounts give younger members a real account with real features.
7. Business account round out the lineup for Michigan business owners who need checking, high-yield money market, or other commercial banking services through a credit union.

All require PDCU membership. Membership is open to anyone who lives, works, worships, or attends school in Michigan, as well as relatives of current members. You can open an account online in minutes.