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.
Your Credit Matters: Celebrate National Credit Education Month with PDCU
March is National Credit Education Month, which makes it a great time to take a closer look at your credit and the habits that shape your financial future. At People Driven Credit Union, we believe credit education matters because your credit can affect some of life’s biggest financial moments, from loan approvals and interest rates to housing opportunities and more. ...
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Don’t Let a Tax Scam Steal Your Refund
Tax season already comes with enough stress. The last thing anyone needs is a scammer piling on with fake threats, fake urgency, and very real attempts to steal money or personal information. Unfortunately, fraudsters know people are thinking about tax returns, refunds, and the IRS this time of year, which makes tax season a prime time for scams. Don’t Let ...
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AI Scams 101: Same Red Flags, New Packaging
AI is doing some amazing things, like letting computers respond to questions in a human-like way (that’s the “Large Language Model” part), generate images, create videos, and even mimic real voices. And because scammers are basically raccoons with Wi-Fi, they didn’t waste time using AI to turbocharge their con games. Here’s the key takeaway: the packaging is new, but the ...
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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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