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.
10 Scams to Watch for: Protect Yourself and Your Money
Scammers are constantly changing their tactics, but most scams follow the same pattern. They create urgency, build trust, and try to get your money or personal information before you have time to think. Knowing the warning signs can help you avoid becoming a victim. 10 Scams to Watch for Here are 10 of the most common scams to watch for, ...
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5 Digital Banking Tools That Can Help Protect Older Adults from Financial Exploitation
Elder financial exploitation protection is in desperate need, with the alarming and often hidden issue that affects many older adults and vulnerable individuals. It can happen through scams, pressure from someone the person knows, unauthorized access to an account, or manipulation by someone who gains trust over time. Financial exploitation can be difficult to spot because it does not always ...
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How to Help Prevent Elder Financial Exploitation
June is Elder Abuse Awareness Month. Learn the warning signs of elder financial exploitation and how to help protect a loved one
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PD Summertime Cash Loan Special
Summer expenses can add up fast. Vacation travel, summer camp, childcare, utility bills, home projects, and last-minute plans can all put pressure on your budget. That is why People Driven Credit Union is offering the PD Summertime Cash Loan Special, available June 1, 2026, through July 31, 2026. Eligible members can apply for a fast, short-term Quick Cash option, while ...
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Gas Pump Scam
A gas pump scam reported in Michigan is a good reminder to slow down for a few seconds before pulling away from the pump. Watch for This Gas Pump Scam Before You Drive Away Fraudsters may place a small screw, bolt, or object in the fuel pump handle cradle. This can prevent the pump from fully resetting after a person ...
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2026 Home Equity Special
Starting May 26, 2026, People Driven Credit Union members can take advantage of a limited-time Home Equity Special and save on the cost of borrowing. Turn Your Home Equity Into Possibility For a limited time, PDCU will waive closing costs up to $495 on a Home Equity Line of Credit, also known as a HELOC, for a primary residence. A ...
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Secured vs. Unsecured Personal Loans: Which Is Right for Your Situation?
When you’re weighing your personal loan options, understanding the difference between secured vs. unsecured personal loans helps you choose confidently. Both can fund goals like consolidating debt, tackling a project, or covering an unexpected bill, but they work differently and suit different situations. Secured vs. Unsecured Personal Loans Learn the difference between secured and unsecured loans and how to choose ...
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7 Overdraft Tips to Avoid Fees
Overdraft fees are frustrating. They usually show up when money is already tight, which makes them even more annoying. Overdraft Tips can help you avoid frustrating fees, especially when money is already tight and every dollar matters. The good news is that a few simple habits can help you avoid overdrawing your account. Whether you use the MyPDCU app, online ...
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Memorial Day: Our Reflections
This Memorial Day, we pause to honor the brave men and women who gave their lives in service to our country. Their sacrifice reminds us of the actual cost of freedom, and we are deeply grateful. Honoring Memorial Day To observe the holiday, People Driven Credit Union will be closed on Saturday and Monday. We will reopen with regular business ...
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How to Choose the Best Loan for Your Next Home Project
If you are trying to figure out the best loan for home improvements, you are not alone. Whether you are remodeling a kitchen, replacing windows, upgrading a bathroom, or tackling a long list of home repairs, the right financing option depends on how you will pay for the project and how you want to repay the money. Home improvement loans ...
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