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Member Savings

Savings accounts that actually help you save

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  • Overview

    Credit Union Member Savings

    • Earn dividends daily when your account balances are over $100.
    • Dividends are paid and compounded quarterly
    • Direct deposit and payroll deduction avaible
    • $5 minimum deposit to open

    People Driven

    A Share Savings account is the foundation of membership with People Driven Credit Union. An initial deposit of just $5, will maintain your membership.

    Check for Membership Eligibility

    How is a credit union different than a bank?

    Credit unions are not-for-profit organizations that exist to serve their members. Credit unions accept deposits, make loans and provide a wide array of other financial services.

    What is a Credit Union?

    As member-owned and cooperative institutions, credit unions provide a safe place to save and borrow at reasonable rates.

    ... Love that when you call, you get someone right here in Michigan.

    James R.
  • Rates

    Rates

    Share Savings, Member’s Choice, Holiday & Vacation Club

    Rates Effective as of: 12-06-2019
    Minimum Balance (Range) to Earn Stated Dividend Dividend/Interest Rate APY
    $100 and over 0.03% 0.03%

    APY=Annual Percentage Yield.
    Rates shown are prospective rates for the current quarter

    Links to Truth-in-Savings, funds availability and other disclosures can be found in the "Privacy and Disclosure" link at the bottom of this webpage.

  • FAQs

    Frequently Asked Questions

    Please give us a call at 248-263-4100 or toll free at 844-700-7328 and speak with a representative to assist you.
    iTalk Telephone Teller is a free telephone banking service. Check your account balances, see if a check has cleared, transfer money between accounts, check your loan balance, make loan payments from checking or savings, or request a check be mailed to you, etc.  Please dial us toll free at 844-700-7328 or call us at 248-263-4100 and choose option 1.
    Yes, the credit union offers alerts that can be set up in online banking.  Alerts will come through as a text and/or email.  There is no fee for this though standard text message rates apply; please contact your mobile provider for details.
    YES! Depending on your browser, once you have opened your statement you may see icons on the top corner for downloading and printing.  You may also right click on your mouse and choose ‘save as’ or ‘print’.
    We suggest using a password only you would know.  Not savings any passwords on devices that are not yours.  Using facial recognition or thumbprint recognition on your private devices.
    YES!  Please log into online banking and choose the ‘Services’ tab and select ‘change address’.
    When preparing your tax return, you are asked to include and amounts of interest earned on your accounts.  If you’re account earned $10 or more in the calendar year a 1099-INT will be issued for your account.  This is typically mailed to you by the end of January in the new year.  You can also access this in online banking, click the E-statement tab and choose ‘Tax statements’.
    There is a $1 per month charge for mailed statements unless you are under 23 years of age or are a Senior Power Pack member.
    If you only have a savings account with PDCU you will only get a statement every quarter (3 months). If you have a savings account AND a loan with PDCU you will receive a statement every month. If you have a savings and a checking account you will receive a statement every month. Please give us a call at 844-700-7328 if you haven’t gotten your statement.  If your address needs to be updated, you can update it in online banking.  Please go to ‘Services’ and select ‘change address’.
    PDCU has partnered with GreenPath Financial Wellness to help our members get back on track with their finances and credit.  Please give GreenPath a call at 877-337-3399 and let them know you’re a PDCU member and would like to make an appointment with a rep!
    YES!  Please log into online banking and choose the ‘Services’ tab and select ‘change address’.  If you use online bill pay, you will need to change your address separately in the 'Bill Pay' tab. You cannot update your address via the app at this time.
    Unfortunately, People Driven Credit Union does not open business accounts for the time being. We apologize for this inconvenience and hope to serve your business needs in the future.
    We are sorry to hear you’d like to close your account at People Driven Credit Union.  Please let us know if there was anything we could have done to make your experience better. Please give us a call at 844-700-7328.
    PDCU's routing number is 272484988.
    All members are given a membership card when the account is initially opened. Please stop by a branch or give us a call at 248-263-4100 or 844-700-7328 and that information can be mailed to you.

    We are very grateful for the service that was provided!

    April - member since 1989

Credit Union Member Savings

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Disclosures

People Driven Credit Union savings are Federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government. APR = Annual Percentage Rate. APY = Annual Percentage Yield. View our Privacy Policy and read our disclaimer regarding links to other sites.