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.
Credit Union vs. Bank: What’s Actually Different?
If you’ve ever wondered about the differences between a credit union vs. bank, or why a credit union feels different than a bank, then you’re not imagining things. The “credit union difference” isn’t just marketing. It’s built into our structure. Credit Unions Work Differently Than Banks In our quick video, “Why Credit Unions Work Differently Than Banks,” we break down ...
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Celebrating Presidents Day
As we approach Presidents Day, February 16, 2027, a national holiday that honors the leaders who have shaped the history of the United States, People Driven Credit Union takes a moment to reflect on the significance of this day and how it impacts our members. Presidents Day is not just a day off; it is a time for all Americans ...
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Financial Lessons from Black Leaders
Building wealth isn’t just about earning more; it’s about building something that still stands a decade from now, and ideally, helps the next generation start stronger than you did. 7 Financial Lessons from Black Leaders: Building Wealth That Lasts Many Black leaders and modern financial educators emphasize a set of principles that are simple, practical, and powerful: own assets, create ...
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2026 Auto Loan Special
Find the car you want. We’ll help make the financing make sense. The Deal PDCU’s 2026 Auto Loan Special offers rates as low as APR* for up to 72 months on new and used vehicles—including older cars. Current members approved for an auto loan can also get no payments for 90 days. Explore Auto Loans Auto Loan Rates as Low ...
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5 Ways to Save Money Every Month
When you try to Save Money Every Month, it doesn’t require a spreadsheet obsession or a “no fun allowed” lifestyle. It’s usually a handful of small, repeatable habits that keep more cash in your account—month after month. 5 Ways to Save Money Every Month Simple habits that lower your monthly costs without making life miserable. 1) Pay Yourself First (Automatically) ...
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Need a Little Extra for Valentine’s Day? Here Are Your Options
Valentine’s Day is supposed to be sweet, not a surprise attack on your checking account. If you’re planning gifts, dinner, travel, or a special experience, a small, structured loan can help you spread the cost into predictable monthly payments instead of leaning on high-interest balances. From January 30 through February 28, 2026, People Driven Credit Union (PDCU) is offering two ...
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Balance Transfers 101: How to Save on Interest
A balance transfer can be a smart way to reduce interest costs when used as part of a plan. Think of it like moving your debt from a “high-interest neighborhood” to a “lower-interest neighborhood” … but you still have to pay the rent on time. Using Balance Transfers can significantly improve your financial situation by lowering the interest you pay on ...
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Account Takeover Scams Are Surging in 2026
If someone calls, texts, or emails claiming to be “your bank” and urgently needs a code from you, you’re not talking to a helper; you’re talking to a thief with a script. Account Takeover Scams are impersonating financial institutions to steal logins, one-time codes, and money. The FBI Internet Crime Complaint Center (IC3) is warning about a spike in Account ...
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Super Bowl Savings: How to Enjoy the Big Game Without Breaking the Bank
Super Bowl Sunday is basically a national holiday… with snacks. And like most holidays, it can get expensive fast. For Super Bowl LX (Sunday, February 8, 2026), kickoff is set for 6:30 p.m. ET. And according to the 2026 Super Bowl Spending Survey from the, average planned spending is $94.77 per person, with total spending expected to reach $20.2 billion. ...
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How to Build an Emergency Fund (and Why It’s Important)
An emergency fund is the financial equivalent of keeping a spare tire in the trunk. You don’t plan to use it… But when you need it, you really need it. Whether it’s a car repair, an unexpected medical bill, a home maintenance surprise, or a temporary loss of income, an emergency fund helps you handle life’s “plot twists” without leaning ...
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