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.
Why Credit Unions offer Better Auto Loans
Why Credit Unions Offer Better Auto Loans When it is time to finance a car, most people go straight to their bank out of habit. It is familiar, it is convenient, and it feels like the obvious choice. But for most Michigan car buyers, a credit union will offer a better deal on an auto loan than a traditional bank, ...
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One-Time Holiday Skip-a-Payment!
The holiday season brings extra expenses. People Driven Credit Union is giving eligible credit card holders the opportunity to skip their December minimum payment and keep a little more cash in their pocket when they need it most. How the Holiday Skip-a-Payment Works If you are eligible, you will see a notification on your November credit card statement letting you ...
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Stay Safe While Traveling: Cybersecurity Tips for Holiday Season
Traveling for the Holidays? Here’s How to Keep Your Data Safe As the holiday season approaches, many of us are gearing up for travel. While packing and planning, cybersecurity might not be at the top of your mind—but it should be! With public Wi-Fi networks and charging stations widely available at airports, hotels, and cafes, it’s essential to stay aware ...
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Blessings in a Backpack Food Drive
Who Will Feed the Kids This Weekend? Food Drive from November 1-30, 2024 We believe in community support at People Driven Credit Union (PDCU), especially when fighting hunger. We’re excited to participate in the Blessings in a Backpack Who Will Feed the Kids This Weekend? Food Drive from November 1-30, 2024. Because hunger doesn’t take a break on the weekends, we ...
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Beware of Card Declined Scams
Card Declined Scams on the Rise In the digital age, threat actors, cybercriminals looking to steal your financial information, have become more sophisticated than ever. These criminals have been creating fake advertisements that lure unsuspecting shoppers with “too good to be true” deals for years. Once a person tries to make a payment for a fake product or service, their ...
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Exploring Adjustable-Rate Mortgages for Your New Home
What Is an Adjustable-Rate Mortgages? An Adjustable-Rate Mortgage (ARM) starts with a fixed interest rate for a set number of years, then adjusts periodically based on market conditions. People Driven Credit Union offers two ARM options for primary residence purchases and refinances. 7/1 ARM: Your interest rate is fixed for the first seven years. After that, it adjusts once per ...
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Best Practices for Protecting Your Online Accounts
Online banking is one of the most convenient ways to manage your money. It is also one of the most targeted areas for cybercriminals. At People Driven Credit Union, we take account security seriously on our end. But your habits matter too. These six practices can help reduce your risk of account takeover, fraud, and unauthorized access. 1. Use Strong, ...
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Free “Homebuying 101” Course for PDCU Members
Are you thinking about buying a home? Congratulations! Becoming a homeowner is an exciting milestone but involves several important decisions and careful planning. To help you navigate the complexities of homebuying, People Driven Credit Union (PDCU) has partnered with GreenPath Financial Wellness to offer a comprehensive online course, “Homebuying 101,” free for all PDCU members. This course simplifies the homebuying ...
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Free Navigating Auto Loans Course
Navigating Auto Loans Course Buying a car is one of the largest financial decisions most people make outside of buying a home. Yet most buyers walk into a dealership without understanding how auto financing actually works. That puts you at a disadvantage before the negotiation even starts. People Driven Credit Union has partnered with GreenPath Financial Wellness to give every ...
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Social Security: Seven keys to enhancing your benefits
Social Security: Seven Keys to Enhancing Your Benefits Are you making the most of what Social Security can offer in retirement? For many Michigan families, Social Security is one of the most important income sources in their retirement plan. But knowing when to claim, how to maximize your benefit, and how working in retirement affects your payments are questions most ...
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