One Year Save to Win® Certificate of Deposit
The More You Save, the Better Your Chances to Win!
Introducing the Save to Win® Certificate – a rewarding way to grow your savings and enter for a chance to win cash prizes! As a PDCU member, every time you add $25 to your certificate, you get one step closer to winning monthly and quarterly cash rewards.
- APY²: 2.70%
- Minimum Deposit: $25
PDCU Membership and eligibility requirements apply, with approval subject to application.
How a Save to Win® Certificate works
A Save to Win® Certificate rewards the habit of saving. Open the certificate with a minimum deposit of $25, then add money over time to earn entries into monthly, quarterly, and annual cash prize drawings.
Each qualifying $25 addition earns one entry, up to the entry limits listed in the official Save to Win® rules. Your money stays in the certificate for the 1-year term while earning dividends.
Account details
Here is a quick look at how the Save to Win® Certificate of Deposit works.
| Feature | Save to Win® Certificate of Deposit |
|---|---|
| Term | 1 year |
| Minimum opening deposit | $25 |
| APY² | 2.70% |
| How entries are earned | Earn one entry for each qualifying $25 increase in your certificate balance |
| Entry limits | Entry limits apply. See the official Save to Win® rules for details. |
| Prize drawings | Monthly, quarterly, and annual drawings |
| Early withdrawal | Early withdrawal penalties may apply and may reduce earnings |
| Best use | Saving for a 1-year term while earning chances to win cash prizes |
| Membership | Membership and eligibility requirements apply |
Best for
A Save to Win® Certificate is a good fit when you want to set money aside for a full year while earning chances to win cash prizes.
- Building savings over a 1-year term
- Saving with a low $25 minimum deposit
- Earning dividends on your certificate balance
- Adding money over time
- Earning entries into cash prize drawings through qualifying deposits
- Keeping savings separate from everyday spending
- Adding motivation to regular saving
Ways to use your certificate
You can use a Save to Win® Certificate to build savings over a set 1-year term while earning entries through qualifying deposits.
- Start with as little as $25
- Add money over time to build your certificate balance
- Use qualifying $25 increases to earn prize drawing entries
- Save for a future goal while earning dividends
- Keep certificate savings separate from everyday spending
- Track your account through online banking or the MyPDCU app
For example, adding money in $25 increments can help you build your balance while earning entries into Save to Win® prize drawings.
Prize drawings and official rules
Save to Win® prize drawings may include monthly, quarterly, and annual cash prizes. Winners are randomly selected from eligible entries.
Prize amounts, entry limits, eligibility, and drawing details are governed by the official Save to Win® rules. Review the official rules before participating.
Read the official Save to Win® rules
What to know before opening a Save to Win® Certificate
A Save to Win® Certificate is a 1-year certificate of deposit. Your funds are intended to stay in the certificate until maturity. Early withdrawals may result in penalties and may reduce earnings.
APY assumes dividends remain on deposit until maturity. Rates are subject to change. See the full terms and conditions for complete details.
Membership and account protection
Save to Win® Certificates are available to qualifying People Driven Credit Union members who meet program eligibility requirements. Membership is open to those who live, work, worship, or attend school in Michigan, plus relatives of current members.
A $5 Membership Share Savings deposit establishes membership. Membership and eligibility requirements apply. Approval is subject to application.
Your savings are federally insured by the National Credit Union Administration, backed by the full faith and credit of the United States Government.
How to open a Save to Win® Certificate
Opening a Save to Win® Certificate is simple. Current PDCU members can open the certificate online or by visiting a branch.
New to PDCU? You will need to become a member before opening this certificate. Membership and eligibility requirements apply.
Frequently asked questions
A Save to Win® Certificate of Deposit is a 1-year certificate that helps you save money, earn dividends, and receive entries into cash prize drawings through qualifying deposits.
You open the certificate with a minimum deposit of $25. For every qualifying $25 increase in your certificate balance, you earn one entry into Save to Win® prize drawings, subject to the official rules.
The minimum deposit to open a Save to Win® Certificate is $25.
The Save to Win® Certificate has a 1-year term.
The APY on the Save to Win® Certificate is 2.70%. APY assumes dividends remain on deposit until maturity. Early withdrawals and applicable fees may reduce earnings.
You earn one entry for each qualifying $25 increase in your Save to Win® Certificate balance. Entry limits apply.
Save to Win® may include monthly, quarterly, and annual cash prize drawings. Prize amounts and drawing details are subject to the official rules.
No. Your certificate funds remain yours. Save to Win® gives eligible members chances to win cash prizes while they build savings.
Yes, but early withdrawal penalties may apply and may reduce earnings. Review the account terms and conditions before opening a certificate.
Yes. Membership and eligibility requirements apply. People Driven Credit Union membership is open to those who live, work, worship, or attend school in Michigan, plus relatives of current members.
Save to Win® is available to eligible PDCU members who meet program requirements, including age and residency requirements where prize-linked savings is permitted. See the official rules for complete eligibility details.
Yes. People Driven Credit Union deposit accounts are federally insured by the National Credit Union Administration, backed by the full faith and credit of the United States Government.
I never thought I'd win!
G. West - PDCU $5,000 winner, 2017
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