Monthly payments are allocated based on the loan agreement, in this order:
1: Late fees
2: Outstanding/accrued interest
3: Principal balance
If you have questions, please contact our Member Service team.
Monthly payments are allocated based on the loan agreement, in this order:
1: Late fees
2: Outstanding/accrued interest
3: Principal balance
If you have questions, please contact our Member Service team.
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.
Group pricing on auto, home, life & health insurance.
Love my Credit Union – Discount pricing for, Turbo Tax & SimpliSafe Home Security.
Already a Member?
PD Quick Cash is available to PDCU members in good standing who’ve had direct deposit for at least six months.
Not a Member Yet?
Click Apply for PDCU Membership to apply for membership.
Or explore all personal loan options.
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.
If you are looking for a personal loan, please explore our personal loan options.
Already a Member?
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.
Not a Member Yet?
Click Apply for PDCU Membership to apply for membership.
Or explore all personal loan options.
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.
Not a Member Yet?
Apply for PDCU Membership:
Or explore all personal loan options:
If you are looking for a personal loan, please explore our personal loan options.
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.
Not a Member Yet?
Apply for PDCU Membership:
Or explore all personal loan options:
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.
Not a Member Yet?
Apply for PDCU Membership:
Or explore all personal loan options:
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.
People Driven Credit Union membership is available to a diverse range of individuals and organizations, including:
Membership also extends to current and former employees associated with major automotive and manufacturing employers, such as:
Additionally, membership includes those previously employed at these Michigan companies and locations:
Members from the following credit unions merged with PDCU are also eligible:
Membership is further open to:
To complete an application for any account or loan, you will need the following information:
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.
People Driven Credit Union membership is available to a diverse range of individuals and organizations, including:
Membership also extends to current and former employees associated with major automotive and manufacturing employers, such as:
Additionally, membership includes those previously employed at these Michigan companies and locations:
Members from the following credit unions merged with PDCU are also eligible:
Membership is further open to:
To complete an application for any account or loan, you will need the following information:
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 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
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.
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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