Skip nav to main content.
People Driven Credit Union

Checking Accounts

Round Up To Win

Turn your change into big wins with Round Up To Win

Exclusively for PDCU Members with a Save To Win® Savings Account.

Every purchase you make with Round Up To Win can help you save and win! Simply link your debit card, and for every purchase, the extra change will be rounded up to the nearest dollar and automatically deposited into your Save to Win Savings Account. Each time you save $25, you earn an entry for a chance to win exciting cash prizes.

To get started, call 248-263-4100 or visit a branch to enable the Round Up To Win feature. It’s that simple to start saving while entering for a chance to win big!

How does it work?

It’s easy to get started! Here’s how it works:

  • Be a PDCU Member with a PDCU Debit Card.
  • Open a Save to Win Savings Account online or on the MyPDCU app.
  • Link your PDCU debit card to the program by calling 248-263-4100.
  • Your purchases are automatically rounded up to the nearest dollar every time you use your debit card. The extra change is automatically deposited into your Save to Win Savings Account.
  • For every $25 saved through rounding up, you earn one entry into monthly, quarterly, and annual prize drawings. The more you round up, the more chances you have to win!

Why you’ll love Round Up To Win

  • Automatic Savings: Forget about manually setting aside savings. Let your purchases do the work for you!
  • No Effort Required: Once you sign up, your purchases will automatically round up, and the extra change will go straight into your savings.
  • Every Dollar Counts: You save and increase your chances of winning fantastic cash prizes every time you spend.
  • Earn Entries to Win: Every $25 you save through Round Up means another chance to win.

Prizes you could win

  • Monthly prizes:
    • $100
    • $50
    • $25
  • Quarterly prizes:
    • $1,000
  • Annual grand prize:
    • Huge cash prizes!

The opportunities are endless with up to 537 chances to win every quarter!

Get started today

Signing up is easy and FREE. Link your debit card, and you’ll start saving without thinking about it. You’ll be one step closer to winning cash prizes, all while building your financial future!

Call to enroll today and start saving!

248-263-4100

Frequently asked questions

APY stands for Annual Percentage Yield. It is a measure of the total amount of interest earned on an account based on the interest rate and the frequency of compounding over a year. APY is a useful metric for comparing the annual earnings on different savings products, such as savings accounts, CDs, and money market accounts, because it standardizes the effect of compounding. Key Points About APY
  • Includes Compounding: APY accounts for how often interest is compounded (e.g., daily, monthly, quarterly), which can significantly affect the total interest earned over time.
  • Comparison Tool: APY provides a standard way to compare the annual interest earnings of different savings products, regardless of how frequently interest is compounded.
  • Formula: The formula for calculating APY is: 
    APY = (1 + r/n)^n - 1
    where r is the nominal interest rate (expressed as a decimal), and n is the number of compounding periods per year.
  • Higher APY: A higher APY indicates that you will earn more interest on your money over a year, assuming the same principal amount.
Example For example, if a savings account offers an interest rate of 5% compounded monthly, the APY would be higher than 5% due to the effect of monthly compounding. This makes APY a useful metric for comparing the real return on different financial products.
You can win monthly, quarterly, and annual cash prizes, just like with the Save to Win® Savings Account. The more you save, the better your chances to win! Please refer to the official Save to Win® Savings Account rules for complete details.
Yes, you can still participate in Round Up To Win! However, the more you use your debit card, the more opportunities you have to save and enter for prizes.
You earn one entry for every $25 saved through rounding up your debit card purchases. The more purchases you make, the more entries you earn.
To enable Round Up To Win, call 844-700-7328 or visit a branch. Once set up, your debit card purchases will automatically round up, and the extra change will be deposited into your Save to Win® Savings Account.
Round Up To Win allows you to round up your debit card purchases to the nearest dollar and automatically save the change into your Save to Win® Savings Account. Each time you save $25, you earn an entry for a chance to win exciting cash prizes.

Disclosures

Federally Insured: Savings at People Driven Credit Union 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. 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.


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.

Membership Requirement

All accounts and loans require membership at People Driven Credit Union. Membership is available to individuals who live, work, worship, or attend school in the State of Michigan, as well as relatives of current members. To complete an application for any account or loan, you will need the following information:
  • A valid Driver's License, State ID, or Passport with your current address
  • Your Social Security Number
A Membership Share Savings Account is required to establish membership at People Driven Credit Union. A $5 deposit secures your ownership share in the credit union and unlocks access to our full suite of products and services. This account earns 0.01% APY with a $5 minimum deposit.

View our Privacy Policy and Website Disclaimer.

Review our Fee Schedule.

 

Learn more about checking accounts

Graphic: Overdraft Tips.

7 Overdraft Tips to Avoid Fees

Overdraft fees are frustrating. They usually show up when money is already tight, which makes......Read More

Build your savings with Save to Win®.

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

Graphic: Credit Unions vs. Banks: Why More People Are Making the Switch.

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

Graphic: U.S. Treasury to Stop Issuing Paper Checks.

U.S. Treasury to Stop Issuing Paper Checks

Starting October 1, 2025, the U.S. Treasury to Stop Issuing Paper Checks for Social Security......Read More

View more about Checking