Warren Archives | People Driven Credit Union

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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.

To schedule an appointment with People Driven Credit Union, please
visit our online scheduling portal.

From there, you can choose your preferred branch location, service type, date, and time. After booking, you’ll receive a confirmation email with your appointment details.

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.

Mortgage Price Quote

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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

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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.

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If you are looking for a personal loan, please explore our personal loan options.

Membership Check

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PD Summertime Quick Cash is available to members in good standing who 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?
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

Sorry, this special has not started yet.

If you are looking for a personal loan, please explore our 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.

PDCU Membership and eligibility requirements

People Driven Credit Union membership is available to a diverse range of individuals and organizations, including:

- All Michigan residents
- Individuals who live, work, attend school, or worship anywhere in Michigan
- Employees or retirees of U.S. federal government agencies who reside, work, or report to an agency headquartered in Michigan
- State, county, or local government employees or retirees, including those working for political subdivisions based in Wayne, Oakland, or Macomb counties

Affiliated Employers & Organizations

Membership also extends to current and former employees associated with major automotive and manufacturing employers, such as:

- Ford Motor Company and Visteon Corporation employees or retirees working in Rawsonville or Wixom, MI
- Members of the Red Carpet Club, a retirees’ association within Washtenaw, Oakland, Macomb, Monroe, or Wayne counties
- Tower Automotive employees in Plymouth, MI, and retirees from the Ford Utica Trim Plant

Additionally, membership includes those previously employed at these Michigan companies and locations:

- Ford Motor Company
- Visteon Corporation
- Automotive Components Holdings, L.L.C.
- Faurecia
- Ford New Holland (retirees)
- Ford Romeo Engine Plant
- Oakman Industrial Engine Plant
- Johnson Controls Inc.
- Hoover Automotive Systems Group (Utica)
- Auto Alliance International, Inc.
- Mazda North America, Mazda Research & Development of North America, Mazda System Services
- Mount Clemens Coating, Inc.
- Tower Automotive (Plymouth)

Previous Credit Union Mergers

Members from the following credit unions merged with PDCU are also eligible:

- Sinai Health Services Credit Union (1992)
- M.E.S. Credit Union (2004)
- People’s Trust and Community Driven Credit Unions (2014)
- Community Alliance Credit Union (2023)

Additional Eligible Groups

Membership is further open to:

- Immediate family members of eligible or current members
- Spouses of deceased members (provided they joined prior to remarriage)
- Legal entities primarily comprised of individuals from eligible groups
- Retirees aged 55 and over, or younger individuals receiving disability retirement, who receive pension, annuity, Social Security, or other retirement benefits, residing in or affiliated with retirement organizations in Wayne, Oakland, Macomb, St. Clair, Lapeer, Genesee, Livingston, or Washtenaw counties

To complete an application for any account or loan, you will need the following information:

A valid Driver’s License, State ID, or Passport with your current address
Your Social Security Number

A Membership Share Savings Account is required to establish membership at People Driven Credit Union. A $5 deposit secures your ownership share in the credit union and unlocks access to our full suite of products and services. This account earns 0.01% APY with a $5 minimum deposit.

Apply for membership

PDCU Membership and eligibility requirements

People Driven Credit Union membership is available to a diverse range of individuals and organizations, including:

- All Michigan residents
- Individuals who live, work, attend school, or worship anywhere in Michigan
- Employees or retirees of U.S. federal government agencies who reside, work, or report to an agency headquartered in Michigan
- State, county, or local government employees or retirees, including those working for political subdivisions based in Wayne, Oakland, or Macomb counties

Affiliated Employers & Organizations

Membership also extends to current and former employees associated with major automotive and manufacturing employers, such as:

- Ford Motor Company and Visteon Corporation employees or retirees working in Rawsonville or Wixom, MI
- Members of the Red Carpet Club, a retirees’ association within Washtenaw, Oakland, Macomb, Monroe, or Wayne counties
- Tower Automotive employees in Plymouth, MI, and retirees from the Ford Utica Trim Plant

Additionally, membership includes those previously employed at these Michigan companies and locations:

- Ford Motor Company
- Visteon Corporation
- Automotive Components Holdings, L.L.C.
- Faurecia
- Ford New Holland (retirees)
- Ford Romeo Engine Plant
- Oakman Industrial Engine Plant
- Johnson Controls Inc.
- Hoover Automotive Systems Group (Utica)
- Auto Alliance International, Inc.
- Mazda North America, Mazda Research & Development of North America, Mazda System Services
- Mount Clemens Coating, Inc.
- Tower Automotive (Plymouth)

Previous Credit Union Mergers

Members from the following credit unions merged with PDCU are also eligible:

- Sinai Health Services Credit Union (1992)
- M.E.S. Credit Union (2004)
- People’s Trust and Community Driven Credit Unions (2014)
- Community Alliance Credit Union (2023)

Additional Eligible Groups

Membership is further open to:

- Immediate family members of eligible or current members
- Spouses of deceased members (provided they joined prior to remarriage)
- Legal entities primarily comprised of individuals from eligible groups
- Retirees aged 55 and over, or younger individuals receiving disability retirement, who receive pension, annuity, Social Security, or other retirement benefits, residing in or affiliated with retirement organizations in Wayne, Oakland, Macomb, St. Clair, Lapeer, Genesee, Livingston, or Washtenaw counties

To complete an application for any account or loan, you will need the following information:

A valid Driver’s License, State ID, or Passport with your current address
Your Social Security Number

A Membership Share Savings Account is required to establish membership at People Driven Credit Union. A $5 deposit secures your ownership share in the credit union and unlocks access to our full suite of products and services. This account earns 0.01% APY with a $5 minimum deposit.

APY

APY stands for Annual Percentage Yield. It is a measure of the total amount of interest earned on an account based on the interest rate and the frequency of compounding over a year. APY is a useful metric for comparing the annual earnings on different savings products, such as savings accounts, CDs, and money market accounts, because it standardizes the effect of compounding.

Key Points About APY

Includes Compounding: APY accounts for how often interest is compounded (e.g., daily, monthly, quarterly), which can significantly affect the total interest earned over time.
Comparison Tool: APY provides a standard way to compare the annual interest earnings of different savings products, regardless of how frequently interest is compounded.
Formula: The formula for calculating APY is:
```
APY = (1 + r/n)^n - 1
```
where r is the nominal interest rate (expressed as a decimal), and n is the number of compounding periods per year.
Higher APY: A higher APY indicates that you will earn more interest on your money over a year, assuming the same principal amount.

Example

For example, if a savings account offers an interest rate of 5% compounded monthly, the APY would be higher than 5% due to the effect of monthly compounding. This makes APY a useful metric for comparing the real return on different financial products.

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📲 Download MyPDCU

Calculator Disclaimer Personal Loan Rate

Member-only Discount Rewards

Mortgage Price Quote

Membership Check

Safety & Security Videos

Careers

Sorry, this special has ended.

Membership Check

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Membership Check

Membership Check

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PDCU Membership and eligibility requirements

Affiliated Employers & Organizations

Previous Credit Union Mergers

Additional Eligible Groups

PDCU Membership and eligibility requirements

Affiliated Employers & Organizations

Previous Credit Union Mergers

Additional Eligible Groups

APY