John Scharff is the Digital Marketing Lead at People Driven Credit Union, where he helps create clear, practical financial content for members and the communities PDCU serves. He focuses on making financial topics easier to understand, from loans and savings accounts to digital banking, fraud prevention, and everyday money management.
Something Exciting at the Drive Thru!
Bank Smarter with Our New Drive Thru ITMs! We’re excited to introduce Interactive Teller Machines (ITMs) at all our branch locations! These advanced drive-thru machines are designed to make your banking experience faster, more convenient, and more personalized. Drive Thru ITMs combine the best of both worlds—the convenience of ATMs with the live video support of a teller, so you ...
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Use a Home Equity Loan to Boost Your Home’s Value
Your home is one of your most valuable assets, and investing in upgrades and renovations can not only enhance your living space but also increase your property’s value. But how do you finance those improvements? A Home Equity Loan offers a smart way to tap into your home’s existing equity to pay for projects that deliver a solid return on ...
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Build Your Monthly Spending Plan: Recorded Webinar
Build Your Monthly Spending Plan Creating a spending plan can feel challenging, especially if you’ve tried before and found it hard to stick to. If you’re ready to take control of your finances and finally make your budget work for you, we’ve got just the thing! In this webinar, we walk through practical steps to review your income, set clear ...
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TurboTax vs. H&R Block: Which Tax Prep Service is Right for You?
TurboTax vs. H&R Block Tax season is here, and it’s time to get organized! Whether you plan to file on your own or seek expert assistance, choosing the right tax prep service can make all the difference. As a People Driven Credit Union (PDCU) member, you can save big on two of the most trusted tax preparation options: TurboTax and ...
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Why You Might Need a Home Equity Loan
Why You Might Need a Home Equity Loan and Which Option is Right for You Are you looking to tackle a big project, pay off high-interest debt, or handle an unexpected expense? Borrowing against your home’s equity is a smart way to access funds. At People Driven Credit Union (PDCU), we offer two great options: Home Equity Lines of Credit (HELOCs) ...
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Payday Loans: The Costly Trap & Smarter Alternatives
What Are Payday Loans & Why Do People Use Them? Life happens—car repairs, medical bills, or unexpected expenses can throw off even the best-laid financial plans. According to the Federal Reserve Board, about 44% of Americans don’t have $400 in savings to handle an emergency. When faced with financial stress, some turn to payday loans for quick cash. However, what ...
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Cash Advance Loans: Costs, Risks, and Smarter Alternatives
What Are Cash Advance Loans? When cash is tight and bills are due, a cash advance loan may seem convenient for getting quick money. However, whether withdrawing cash from a credit card, using an employer paycheck advance, or taking out an online cash loan, these short-term solutions often come with high costs and long-term consequences. Before taking out a cash ...
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Negotiate Your Car Purchase Like a Pro
Drive Home a Deal: How to Negotiate Your Car Purchase Like a Pro Buying a car is an exciting experience, but many buyers feel unsure or overwhelmed when negotiating the price. The good news? You can leave the dealership with the best possible deal with the right strategies and preparation. Whether you’re purchasing new or used, knowing how to negotiate ...
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Using a Home Equity Loan to Consolidate Debt
You’re not alone if you’re juggling multiple high-interest debts, from credit cards to personal loans. Managing several payments each month can feel overwhelming, especially when interest rates are working against you. Fortunately, a Home Equity Loan can be a powerful solution for consolidating debt, helping you streamline your payments, reduce interest costs, and save money in the long run. The ...
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The Hidden Costs of Buying a Car
The Hidden Costs of Buying a Car and How to Plan for Them Buying a car is a significant investment, and while most buyers focus on the sticker price, there are several hidden costs associated with car ownership that you need to factor into your budget. From taxes and insurance to ongoing maintenance and registration, these additional expenses can quickly ...
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