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Category: Adjustable Rate Mortgage

Graphic: People Driven Credit Union Earns National Recognition for Mortgage Loan Experience.

People Driven Credit Union Earns National Recognition for Best Mortgage Loan Experience

People Driven Credit Union is proud to share that we have been recognized as a 2026 MemberXP Best of the Best Award winner for Best Mortgage Loan Experience. This national recognition, announced by the Michigan Credit Union League, highlights credit...

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Graphic: USDA Loans, The Hidden Options for Rural Homebuyers.

USDA Loans: The Hidden Options for Rural Homebuyers

A mortgage loan is the largest expenditure in the vast majority of budgets, so it is no secret that many people could use a bit of a boost to help lighten the burden. The United States Department of Agriculture (USDA) wants to help. If you are looking to...

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Graphic: How Long Does It Take to Close on a House?

How Long Does It Take to Close on a House in 2026?

When you are buying a new home, it is understandable to be excited. You likely want to move into your new house as soon as possible! However, before you begin the buying process, it is important to know how your decisions can affect your mortgage closing...

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Graphic: How a Bridge Loan Works.

How a Bridge Loan Works

A bridge loan lets you use the equity in your current home to fund the down payment on your next one—so you can buy first, sell second, and move once. Buy Before You Sell: How a Bridge Loan Works (Without the Headache) At People Driven Credit...

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Graphic: Bridge Loans vs. 80-10-10 Piggyback.

Bridge Loans vs. 80-10-10 Piggyback

Bridge loans and 80-10-10 piggybacks both help you buy a home, but they solve different problems. A bridge loan tackles timing (buy before you sell). An 80-10-10 tackles structure (keep the first mortgage at 80% to avoid PMI). Different Tools,...

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Graphic: The Golden Time to Buy: Free Virtual Homebuying Class.

The Golden Time to Buy: Free Virtual Homebuying Class

If you’ve been thinking about buying a home but keep wondering, “Is now really the right time?” Here’s some good news: Fall and early winter are often the golden time for homebuyers. Fewer buyers, motivated sellers, and year-end timing can all...

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Graphic: Doctors Advantage 7/1 ARM. Competitive Rates for Growing Careers. Mortgage Special.

Flexible Mortgage Financing for Medical Professionals

Not every doctor wants to stay in the same home—or even the same state—for 30 years. That’s where the Doctors Advantage 7/1 ARM Mortgage from People Driven Credit Union shines. Designed for medical professionals, this loan gives you competitive...

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Graphic: Your Guide to Buying Your First Home: Tips for National Homeownership Month.

Your Guide to Buying Your First Home: Tips for National Homeownership Month

June is National Homeownership Month, a perfect time to celebrate the joy of owning a home—and to empower first-time buyers with the tools and knowledge they need to turn their dreams into reality. At People Driven Credit Union (PDCU), we're...

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Graphic: Why a Credit Union Mortgage Makes Sense When Considering Home Financing Options

Why a Credit Union Mortgage Makes Sense When Considering Home Financing Options

While house hunting has its “ooh” and “aah” moments (fancy backsplash, anyone?), the question of mortgage affordability is at the back of most homebuyers’ minds. It’s no secret that purchasing a home in today’s market is tough, with...

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Graphic: Homebuyer Bootcamp

Homebuyer Bootcamp

Introducing PDCU’s Virtual Homebuyer Bootcamp Buying a home is one of the biggest financial decisions you’ll ever make, but you don’t have to navigate the journey alone! At People Driven Credit Union (PDCU), we’re committed to helping you make...

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Calculator Disclaimer Personal Loan Rate

The monthly payment at 8.490% APR for a term of 12 months would require payments of approximately $87.22/month, per $1,000 borrowed. APR=Annual Percentage Rate, subject to change. Rate is based on individual creditworthiness and term of the loan. The use of this calculator does not imply nor guarantee loan terms nor approval of financing.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. People Driven Credit Union does not guarantee their applicability or accuracy in regards to your individual circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Member-only Discount Rewards

Accidental Death & Dismemberment Insurance – PDCU provides $2,000 coverage to members 18-69 for free but op-in is required. Members receive discounts on additional supplemental coverage.

Group pricing on auto, home, life & health insurance.

Love my Credit Union – Discount pricing for, Turbo Tax & SimpliSafe Home Security.

Membership Check

Already a Member?
PD Quick Cash is available to PDCU members in good standing who’ve had direct deposit for at least six months.

Current Members Apply Here

Not a Member Yet?
Click Apply for PDCU Membership to apply for membership.

Apply for PDCU Membership

Or explore all personal loan options.

Explore Personal Loan Options

Careers

What job openings are available at PDCU?
To see current job openings at People Driven Credit Union, visit our Careers page at

https://recruiting.paylocity.com/recruiting/jobs/All/0aa7c916-c7ba-4c11-a75f-a43a80fe0bb1/People-Driven-Credit-Union.
There, you can view open positions, learn about our team culture, and apply online.

Membership Check

Already a Member?
PD Summertime Quick Cash is available to PDCU members in good standing who’ve had direct deposit for at least six months.

Current Members Apply Here

Not a Member Yet?
Click Apply for PDCU Membership to apply for membership.

Apply for PDCU Membership

Or explore all personal loan options.

Explore Personal Loan Options

Membership Check

Already a Member?
PDCU members in good standing may qualify for Back-to-School Cash if they’ve had at least $1,000 in monthly direct deposits for the past six months.

Current Members Apply Here

Not a Member Yet?
Apply for PDCU Membership:

Apply for PDCU Membership

Or explore all personal loan options:

Explore Personal Loan Options

Membership Check

Already a Member?
PDCU members in good standing may qualify with $1,000+ in monthly direct deposits for the past six months. Max two open PD Quick Cash Loans, a 30-day wait between applications, and three total loans (open or closed) in a rolling six months.

Current Members Apply Here

Not a Member Yet?
Apply for PDCU Membership:

Apply for PDCU Membership

Or explore all personal loan options:

Explore Personal Loan Options

Membership Check

Already a Member?
PDCU members in good standing may qualify with $1,000+ in monthly direct deposits for the past six months. Max two open PD Quick Cash Loans, a 30-day wait between applications, and three total loans (open or closed) in a rolling six months.

Current Members Apply Here

Not a Member Yet?
Apply for PDCU Membership:

Apply for PDCU Membership

Or explore all personal loan options:

Explore Personal Loan Options

Stop

Construction loans can be complicated, expensive, and unpredictable. They often involve staged funding, contractor coordination, inspections, budget changes, and a lot more stress than people expect. Instead, People Driven Credit Union focuses on options that are often easier to manage, like traditional mortgages for home purchases and home equity solutions for improvements to a home you already own.

People Driven Credit Union does not offer construction loans.

Connect with PDCU’s Mortgage Loan Officer if you need help being talked out of a construction loan.