Compare Investment Savings Account Options
Compare savings options from People Driven Credit Union, including Money Market Accounts, High-Yield Money Market, Certificates, IRA savings, and Save to Win Certificates.
For flexible access
For fixed-term savings
For retirement savings
For financial planning
Need help with retirement or long-term planning?
PDCU members can also access financial planning services through our partnership with Osaic FA. These services are separate from PDCU deposit accounts and may help with retirement planning, investment strategy, and long-term financial goals.
Meet Mary Prebish, your dedicated financial professional from Osaic FA, who, alongside our team, is here to help you develop a strategy for success. With expertise in fund selection, asset allocation, tax-efficient strategies, and retirement income planning, Mary is committed to helping you build and protect your wealth. Osaic FA’s team will work with you to assess your needs, stay on track, and adapt your plan as life evolves—ensuring your financial strategy is designed to support you today and into the future.
Compare investment savings account options
| Account Option | Best For | Access to Funds | Rate Type | Learn More |
|---|---|---|---|---|
| Money Market Plus | Flexible savings with check-writing access | Access funds when needed | Variable, tiered dividends | View account |
| High-Yield Money Market | Larger savings balances of $10,000 or more | Access funds when needed | Variable, tiered dividends | View account |
| Certificates of Deposit | Saving for a set term with a fixed dividend rate | Funds are held for the certificate term | Fixed APY² | View options |
| Save to Win Certificates | Building savings while earning chances to win cash prizes | Certificate terms apply | Fixed APY² plus prize drawing entries | View account |
| IRA Variable Rate Savings | Flexible retirement savings | IRA rules apply | Variable APY² | View account |
| Money Market IRA | Retirement savings with money market earning potential | IRA rules apply | Variable, tiered dividends | View account |
| IRA Certificates | Retirement savings with a fixed term and fixed dividend rate | IRA rules and certificate terms apply | Fixed APY² | View options |
²APY = Annual Percentage Yield. Rates, terms, minimum balance requirements, and account availability may vary by product and are subject to change. Fees may reduce earnings. Early withdrawal penalties may apply to certificates and IRA certificates. Membership and eligibility requirements apply.
Compare investment savings 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 $2,499³ 0.349% 0.35% $2,500 to $9,999³ 0.499% 0.50% $10,000 to $24,999³ 0.598% 0.60% $25,000 to $49,999³ 1.094% 1.10% $50,000 to $99,999³ 1.144% 1.15% $100,000 to $249,999³ 1.243% 1.25% $250,000 and above³ 2.960% 3.00% Rates Effective as of:
²APY = Annual Percentage Yield. Rates are variable and may change at any time. Fees may reduce earnings. Membership and eligibility requirements apply. Federally insured by NCUA.
-
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 3.348% 3.40% Rates Effective as of:
²APY = Annual Percentage Yield. Rates are variable and may change at any time. Fees may reduce earnings. Membership and eligibility requirements apply. Federally insured by NCUA.
-
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 $4,999³ 0.349% 0.35% $5,000 to $24,999³ 0.499% 0.50% $25,000 and above³ 1.094% 1.10% Rates Effective as of:
²APY = Annual Percentage Yield. Rates are variable and may change at any time. Fees may reduce earnings. Membership and eligibility requirements apply. Federally insured by NCUA.
-
Term
Minimum Balance
Dividend Rate
APY²
CD Special - 9 mth $500 3.941% 4.00% CD Special - 16 mth $500 3.844% 3.90% 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:
²APY = Annual Percentage Yield. APY is a standardized measure of the total interest earned on a deposit account over one year, based on the interest rate and the frequency of compounding. APY assumes that interest remains on deposit until maturity. Early withdrawals and applicable fees may reduce earnings. Rates are effective as of and are subject to change at any time without notice.Membership and eligibility requirements apply. Federally insured by NCUA.
-
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:
²APY = Annual Percentage Yield. Rates are variable and may change at any time. Fees may reduce earnings. Membership and eligibility requirements apply. Federally insured by NCUA.
Frequently asked questions
An investment savings account is a savings option designed to help your money grow over time. At People Driven Credit Union, this includes options such as Money Market Accounts, High-Yield Money Market Accounts, Certificates of Deposit, Save to Win Certificates, and IRA savings options.
These accounts can help you save for short-term goals, larger balances, retirement, or a set savings timeline.
A money market account gives you more flexibility to access your funds while earning dividends. It may be a good fit if you want to keep money available for withdrawals, transfers, or check writing.
A certificate is designed for money you can leave untouched for a set term. In return, certificates usually offer a fixed APY for that term. Early withdrawal penalties may apply.
If you need access to your money, a Money Market Plus Account or High-Yield Money Market Account may be a better fit than a Certificate of Deposit. Money market accounts allow you to keep funds available while earning dividends.
If you do not need immediate access to your money, a certificate may be worth comparing because it offers a fixed APY for a set term.
If you are saving for retirement, you may want to compare IRA Variable Rate Savings, Money Market IRAs, and IRA Certificates. Each option works differently depending on whether you want flexibility, tiered dividends, or a fixed APY for a set term.
IRA rules, contribution limits, and tax considerations may apply. You may want to speak with a tax advisor or financial professional before choosing a retirement savings option.
Yes. People Driven Credit Union deposit accounts are federally insured by NCUA, subject to applicable limits and ownership categories.
Financial planning, investment, and insurance products offered through third-party partners are separate from PDCU deposit accounts and are not federally insured by NCUA.
Yes. Many PDCU savings and deposit accounts can be opened online. You can also visit a branch or contact People Driven Credit Union if you need help choosing the right account.
Yes. Membership and eligibility requirements apply. People Driven Credit Union membership is open to those who live, work, worship, or attend school in Michigan. Relatives of current members may also be eligible.
A $5 Membership Share Savings deposit establishes your membership.
Disclosures
People Driven Credit Union Savings Accounts are Federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government.
²APY=Annual Percentage Yield. Rates effective as of today and may change at any time. Penalties apply for early withdrawal. 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.
View our Privacy Policy and read our disclaimer regarding links to other sites.
Save to Win®
The Save to Win® Savings Account, Save to Win® Certificate of Deposit, and Round Up To Win are available to People Driven Credit Union members who are at least 18 years old and reside in a state where prize-linked savings is permitted. Eligibility requirements may vary based on state law.
Winners are randomly selected from eligible entries in monthly, quarterly, and annual drawings. Entries are automatically earned based on qualifying deposits, with a maximum of 100 entries per month, 300 entries per quarter, and 1,200 entries per year. No additional actions are required to participate. All decisions regarding the raffle and prizes are final.
Please refer to the official Save to Win® Savings Account rules for full details.
Learn more about investment savings accounts
Save to Win® + Round Up to Win: Build Your Savings (and Get Chances to Win Cash Prizes)
Saving money is a good habit. It’s also… not exactly a thrill ride. Build your......Read More
Understand APY and How It Can Grow Your Savings
If you’ve ever opened a savings account, CD, or money market account, you’ve likely seen......Read More
Credit Unions vs. Banks: Why More People Are Making the Switch
If you’ve ever wondered why more and more individuals are choosing credit unions vs. banks,......Read More
How to Build a CD Ladder
If you’re looking for a way to grow your savings while keeping regular access to......Read More
