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.
The Ultimate Guide to ATV Financing in Michigan
ATV financing in Michigan can help you purchase an all-terrain vehicle without paying the full price upfront. Before you apply, it helps to understand how pre-approval works, what information you may need, how dealership and private-party purchases differ, and how your loan term can affect your payment and total borrowing cost. This guide walks you through the process so you ...
Continue Reading
ATV Loan Pre-Approval
ATV loan pre-approval helps you set a shopping budget before you compare machines or discuss financing with a seller. Instead of starting with the ATV a dealer wants to show you, you can begin with a price range and estimated payment that fit your finances. Pre-approval does not commit you to buying an ATV. It gives you information you can ...
Continue Reading
How to Finance a Motorcycle in Michigan
Learning how to finance a motorcycle in Michigan starts before you visit a dealership or message a private seller. This guide explains the process from beginning to end, including how to set your budget, get pre-approved, evaluate a motorcycle, complete the purchase, and prepare for your first loan payment. 1. Set a Complete Motorcycle Budget The motorcycle’s listed price is ...
Continue Reading
How to Redeem PDCU Rewards Driven Credit Card Points
You can redeem points from your PDCU Rewards Driven Credit Card through online banking and turn the points earned with your People Driven Credit Union Rewards Driven Credit Card into rewards you can use. Watch the short video below for a step-by-step look at accessing the rewards portal, exploring your options, and completing a redemption. How to redeem your Rewards ...
Continue Reading
New vs. Used Motorcycle Financing: Which Is Right for You?
Should you finance a new or used motorcycle? Compare purchase price, depreciation, maintenance, rates, and loan terms before choosing your next bike.
Continue Reading
Motorcycle Loan Pre-Approval: What It Is and Why It Helps
Motorcycle loan pre-approval can give you a clearer budget before you shop. Learn what it means, how it helps, and what still needs to happen before final approval.
Continue Reading
Get Up to $2,000 With PDCU’s 2026 Back-to-School Cash Loan
The 2026 Back-to-School Cash Loan from People Driven Credit Union gives eligible members access to $500 to $2,000 for school supplies, clothing, technology, tuition, and other seasonal expenses. The special is available from August 4 through September 30, 2026. Back-to-school costs can add up quickly. Whether you are preparing your children for a new school year, sending a student to ...
Continue Reading
Bank vs. Credit Union: What Is the Difference?
When comparing a bank vs. credit union, the biggest difference is ownership. Banks serve customers and may be owned by private investors or shareholders. Credit unions are not-for-profit financial cooperatives owned by their members. Both can offer checking accounts, savings accounts, loans, credit cards, digital banking, and other financial services. The right choice depends on the products, rates, service, access, ...
Continue Reading
The Rule of 72
How long will it take your money to double? You do not need a financial calculator to get a quick estimate. The Rule of 72 is a simple formula that shows how time and compound growth can work together. How Long Will It Take Your Money to Double? The calculation takes only a few seconds. Divide 72 by the annual ...
Continue Reading
What Is a Community Credit Union?
A community credit union is a member-owned financial cooperative that serves people connected by an approved field of membership. That field may include a geographic area, employers, organizations, family relationships, or a combination of eligible groups. People Driven Credit Union serves eligible members across Michigan. Members can use local branches and support, while also managing accounts through digital banking and ...
Continue Reading
