Your savings, your way, with Member’s Choice Savings Accounts
Whether saving for a vacation, a wedding, a new car, college tuition, or any personal goal, the Member’s Choice Savings Account gives you the flexibility and control to save for the things that matter most to you.
How It Works:
- Customizable Savings Goals: Open a Member’s Choice Savings Account for each of your financial goals. Save for a vacation, a rainy day fund, or anything else—and you can open multiple accounts to stay organized.
- Personalize Your Accounts: By nicknameing your accounts, you’ll have an easier time tracking your progress. Name your accounts based on your specific goals, like “Hawaii Trip” or “Wedding Fund.”
- Flexible Contributions: Add funds at your own pace. There’s no minimum balance requirement, so you can start small and build your savings over time.
How a Member’s Choice Savings Account works
A Member’s Choice Savings Account helps you separate money for specific savings goals while keeping your funds accessible. You can open more than one account, give each account a nickname, and track your progress through online banking or the MyPDCU app.
Use it for short-term or long-term savings, such as a vacation, home project, holiday spending, tuition, emergency fund, or future purchase. The account has no minimum opening deposit and no monthly service fee.
Best for
A Member’s Choice Savings Account is a good fit when you want to organize your savings by goal instead of keeping everything in one account.
- Vacation savings
- Home repairs or projects
- Holiday spending
- Emergency savings
- Tuition or education expenses
- Wedding or event savings
- Large future purchases
- Separating money from everyday spending
Account details
Here is a quick look at how the Member’s Choice Savings Account works.
| Feature | Member’s Choice Savings Account |
|---|---|
| Minimum opening deposit | $0 |
| Monthly service fee | No monthly service fee |
| Account nicknames | Yes, accounts can be nicknamed for specific savings goals |
| Online and mobile access | Yes, through online banking and the MyPDCU app |
| Branch access | Yes, at any PDCU branch |
| Best use | Saving for specific goals while keeping funds separate and organized |
| Membership | Membership and eligibility requirements apply |
Ways to use your account
You can use a Member’s Choice Savings Account to build savings in a way that fits your routine. Set a goal, nickname the account, and add money over time.
- Set up direct deposit to send a portion of your paycheck into the account
- Schedule automatic transfers from another PDCU account
- Deposit checks through the MyPDCU app
- Move money between accounts in online banking or mobile banking
- Visit a branch when you need in-person help
- Use account nicknames to track each savings goal more easily
For example, you could create separate accounts named “Vacation,” “Home Repairs,” and “Holiday Gifts” so each goal has its own space.
Membership and account protection
Member’s Choice Savings Accounts are available to qualifying People Driven Credit Union members. 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 Member’s Choice Savings Account
Opening a Member’s Choice Savings Account is simple. Current PDCU members can open an additional savings account through online banking, the MyPDCU app, or by visiting a branch.
New to PDCU? You will need to become a member before opening this account. Membership and eligibility requirements apply.
Frequently asked questions
A Member’s Choice Savings Account is a flexible savings account that helps you set money aside for specific goals. You can use it for vacations, home repairs, tuition, holidays, large purchases, emergency savings, or any other goal you want to keep separate from your everyday spending.
Yes. You can open multiple Member’s Choice Savings Accounts to organize your savings by goal. For example, you could have one account for vacation savings, one for home projects, and another for holiday spending.
No. A Member’s Choice Savings Account has no minimum opening deposit, making it easy to start saving when you are ready.
No. The Member’s Choice Savings Account has no monthly service fee.
Yes. You can nickname your savings accounts in online banking or the MyPDCU app. This makes it easier to track each goal, such as “Vacation,” “Home Repairs,” or “Emergency Fund.”
Yes. You can set up automatic transfers to move money into your Member’s Choice Savings Account on a schedule that works for you. This can help you build savings over time without having to remember each transfer.
Yes. You can access your funds through online banking, the MyPDCU app, at an ATM, or at a PDCU branch. Availability may depend on the type of transaction and account access method used.
Yes. A Member’s Choice Savings Account is a good option when you want to separate money for a specific purpose while still keeping it accessible. It can help you plan ahead and avoid mixing goal-based savings with everyday spending.
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.
Yes. People Driven Credit Union savings accounts are federally insured by the National Credit Union Administration, backed by the full faith and credit of the United States Government.
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. APR = Annual Percentage Rate. Rates effective as of today and may change at any time. View our Privacy Policy and read our disclaimer regarding links to other sites.
