FAQ Category: Other
How Does MyPDCU’s Credit Score Differ from Other Credit Scores?
MyPDCU Credit Score pulls Members’ credit profiles from TransUnion, one of the three major credit reporting bureaus. It uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus, to make score information...
Continue ReadingHow Often Are Credit Scores Updated?
We update and display scores in digital banking every seven days. People Driven Credit Union members can refresh their score and full report every 24 hours by clicking “Refresh Score” and navigating to the detailed Credit Score Dashboard within...
Continue ReadingWhat is the Score Simulator Tool?
MyPDCU Score Simulator is an interactive tool that allows People Driven Credit Union members to see how hypothetical actions, such as paying off a credit card balance or applying for a loan, may affect their credit score. What is the Score Simulator...
Continue ReadingWhat is the MyPDCU Credit Report?
MyPDCU Credit Report provides People Driven Credit Union members with all the information they would find on a file, including a list of current or previous loans, accounts, and inquiries. What is the MyPDCU Credit Report? The MyPDCU Credit Report is a...
Continue ReadingIs There a Fee to Use Credit Score & Score Simulator?
No. MyPDCU Credit Score & Score Simulator is entirely free for People Driven Credit Union members, and no credit card information is required to register. Is there a fee to use MyPDCU Credit Score & Score Simulator? The answer is simple — it...
Continue ReadingIs my money safe in a Money Market Savings Account?
People Driven Credit Union Money Market Savings Accounts are insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government. Is my money safe in a Money Market...
Continue ReadingWhat is a Money Market Savings Account?
A Money Market Savings Account is a type of savings account that typically offers higher interest rates compared to traditional savings accounts. It often requires a higher minimum balance and may provide limited check-writing capabilities. What is a...
Continue ReadingWhat is Community Alliance Credit Union’s (CACU) routing number?
Former Community Alliance Credit Union members should now use People Driven Credit Union’s routing number, 272484988. Community Alliance Credit Union merged with People Driven Credit Union in 2023. The former CACU routing number, 272477885, has been...
Continue ReadingHow do I use a contactless card?
Using your People Driven Credit Union contactless debit card is quick, secure, and touch-free. Just look for the contactless symbol (it looks like a sideways Wi-Fi icon) at checkout. Then: Look for the contactless symbol (sideways Wi-Fi icon) at...
Continue ReadingHow do I report suspicious transactions?
If you notice a transaction on your People Driven Credit Union account that you do not recognize, contact us right away at 844-700-7328. You can review recent activity in online banking or the MyPDCU app, and setting up account alerts can help you spot...
Continue ReadingHow to request assistance with a loan
To request assistance with a loan that is in process, contact your Lending Specialist or call our team at 248-263-4100. Many members ask who I contact about signing a loan that is in process when their loan is ready for final paperwork. Who do I...
Continue ReadingPayment Questions
Rest assured, we’re in this together and here for you. Many members ask what I should do if I’m financially impacted by a layoff and may be unable to make my loan payments when facing temporary hardship. What should I do if I can’t make my loan...
Continue ReadingDebit, Credit Card Questions
How do I report card disputes and fraud, or get a replacement card at People Driven Credit Union? Call our Member Center at 248-263-4100 to report card disputes, fraud, or to request a replacement debit or credit card. If you have Debit Card Questions,...
Continue ReadingOnline Mobile Banking Questions
How do I enroll in online banking at People Driven Credit Union? Enrolling in online banking is a breeze. You only need your member number and Social Security number to get started. Many members ask how to enroll in online banking so they can have...
Continue ReadingHow do I access my money safely at People Driven Credit Union?
How do I access my money safely at People Driven Credit Union? Many members ask how to access their money at People Driven Credit Union when they need cash or want to deposit checks quickly and securely. Here are your convenient options for...
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