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.
Build Credit With PDCU’s Share Secured Credit Card
Remember learning to ride a bike? Training wheels helped you balance until you were ready to go on your own. A Share Secured Credit Card works the same way to Build credit for your credit journey giving you the support and structure you need until you’re ready to ride solo with an unsecured card. At People Driven Credit Union, our ...
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What to Know Before Applying for a Personal Loan
Whether you’re consolidating debt, covering an emergency expense, or finally taking that long-overdue vacation, a personal loan can be a smart way to access funds. But before you hit “apply,” it’s essential to understand how personal loans work and what to expect while applying for a personal loan. 1. Understand How Personal Loans Work Personal loans are a type of ...
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Public Assistance: Resources for Members
Life can throw unexpected challenges our way. If you or someone you know is struggling with the essential costs of living, there are trusted resources available to help with food, housing, utilities, healthcare, and more. Public Assistance can help. Public Assistance Resources People Driven Credit Union cares about the well-being of our members, and we want to connect you with ...
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U.S. Treasury to Stop Issuing Paper Checks
Starting October 1, 2025, the U.S. Treasury to Stop Issuing Paper Checks for Social Security benefits, tax refunds, and other federal payments. If you currently receive your funds by paper check, you’ll need to switch to direct deposit or a government-issued payment card before September 30, 2025. Don’t Miss a Payment: Switch to Direct Deposit by September 30 Paper checks ...
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QR Code Scams: How to Spot and Avoid Fraud
QR code scams have become a common and convenient way to access information, make payments, and claim special offers. From restaurant menus to event tickets, these square barcodes are everywhere. However, as their popularity grows, so does the opportunity for scammers to exploit them for fraudulent purposes. Scan Smart: Protect Yourself from QR Code Scams QR codes are everywhere, but ...
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RV There Yet? Finance Your RV Adventure with Help from PDCU
There’s nothing like the freedom of the open road, and owning an RV gives you the power to explore it all on your terms. Whether you’re chasing sunsets up north, camping in Michigan’s state parks, or planning the ultimate cross-country road trip, People Driven Credit Union is here to help you Finance Your RV and turn your dreams into reality. ...
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Is That Check Legit? Warning Signs of Fraudulent Checks
Check fraud is on the rise, and it’s hitting closer to home than you might think. From “washed” checks stolen from mailboxes to fake refund scams and forged mobile deposits, criminals are targeting everyday people with clever schemes that put both your finances and the credit union at risk. Understanding the rise of fraudulent checks is essential in today’s financial ...
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Auto Loan Rates Starting at…
Looking to finance your next ride or refinance an existing auto loan from another lender? People Driven Credit Union makes it affordable and straightforward to hit the road with confidence. With rates starting at ¹ APR*, you can drive away knowing you got a great deal. Today’s auto loan rates as low as ¹ APR* This is your chance to ...
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Dorm Budget 101: How to Stretch Every Dollar This Semester
Starting college is exciting, but let’s face it, dorm life doesn’t come cheap. Between textbooks, snacks, bedding, and that random thing your roommate forgot (like a mini fridge?), costs add up quickly. That’s why setting a smart dorm room budget before move-in day can help you stay on track all semester long. 1. Start With the Essentials of Dorm Budgeting ...
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Back-to-School Financial Tips for Parents and Students
Back-to-school season is exciting, but let’s face it, it can also be expensive. From school supplies and clothes to college tuition and tech upgrades, costs can add up quickly. Whether you’re a parent prepping for elementary school or a student heading off to college, a little financial planning now using these back-to-school tips can save a lot of stress later. ...
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