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.
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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Free Insurance for PD Quick Cash Loans
Free Payment Guard Insurance for PD Quick Cash Is Automatically Included with Every Loan Losing a job unexpectedly is one of the most stressful financial events a person can face. Research shows that more than one-third of households could not cover expenses for more than a month after a job loss, even after tapping savings, borrowing money, or asking family ...
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Counterfeit Bills and What to Do If You Find One
Counterfeit Bills Are Circulating in Michigan. Here Is What to Look For. People Driven Credit Union’s cash courier has alerted us to an increase in counterfeit bills circulating in Michigan. The bills in question are predominantly older-looking $100 bills that can be difficult to spot without knowing what to look for. We want to make sure every member and business ...
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Money Masters Scholarships Awarded for 2024
Money Masters Scholarships Awarded for 2024 People Driven Credit Union is proud to announce that nine Michigan students received scholarships through the Federal Home Loan Bank of Indianapolis Money Masters Scholarship Program for 2024. PDCU sponsored these scholarships in partnership with the Rhonda Walker Foundation in Detroit, helping break down financial literacy barriers for college-bound students across Southeast Michigan. About ...
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Amazon Prime Day Cyber Threats
Amazon Prime Day Cyber Threats: What Every Online Shopper Needs to Know Amazon Prime Day started as a viral shopping event for consumers. It became an equally viral opportunity for cybercriminals. Every major online sales event, whether it is Prime Day, competing retailer sales, or holiday shopping weekends, brings a predictable surge in phishing attacks, spoofed websites, and fraudulent offers ...
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