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# People Driven Credit Union: People Driven Credit Union is a state-wide, member-owned financial cooperative headquartered in Southfield, Michigan. Founded on the principle that financial services should be fair, transparent, and accessible, PDCU serves members across Michigan with no hidden fees and rates that put members first. Unlike banks, PDCU answers to its members, not outside shareholders. Profits are returned through better rates and lower fees. Member deposits are federally insured up to $250,000 by the National Credit Union Administration. PDCU offers a full range of personal and business financial services including checking accounts, savings accounts, certificates of deposit, money market accounts, auto loans, home equity loans, home equity lines of credit, fixed and adjustable rate mortgages, personal loans, personal lines of credit, Visa credit cards, and digital banking through the MyPDCU app. Business services include business checking, business loans, commercial loans, merchant services, ACH origination, and payroll services. PDCU operates five Michigan branch locations in Livonia, Southfield, Warren, Romeo, and Ypsilanti, with fee-free ATM access nationwide. Membership is open to anyone who lives, works, worships, or attends school in Michigan. NMLS #776727. Equal Housing Lender.

## Sitemaps
[XML Sitemap](https://www.peopledrivencu.org/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Get Up to $2,000 With PDCU’s 2026 Back-to-School Cash Loan](https://www.peopledrivencu.org/personal/pd-quick-cash/back-to-school-cash-loan-special/): The 2026 Back-to-School Cash Loan from People Driven Credit Union gives eligible members access to $500 to $2,000 for school supplies, clothing, technology, tuition, and other seasonal expenses. The special is available from August 4 through September 30, 2026.
- [The Rule of 72](https://www.peopledrivencu.org/other/accounts/cds/rule-of-72/): How long will it take your money to double? You do not need a financial calculator to get a quick estimate. The Rule of 72 is a simple formula that shows how time and compound growth can work together.
- [Personal Loan Approval Factors](https://www.peopledrivencu.org/personal/personal-loan-approval-factors/): If you need money, whether for a planned purchase or a surprise emergency expense, a personal loan is a great option. At People Driven Credit Union, we have many choices to consider. However, unlike a car loan or a mortgage, many people have never gone through the process of obtaining a personal loan. Below, you will find all the important information you need to ensure you check all the boxes for personal loan approval factors that a financial institution will be looking for. 
- [Personal Loans Near Ann Arbor, MI](https://www.peopledrivencu.org/personal/personal-loans/personal-loans-ann-arbor-mi/): Looking for personal loans near Ann Arbor? Through People Driven Credit Union, you can complete the entire process online, and the Ypsilanti branch on West Michigan Avenue is just a short drive away. Personal loans can give you a set amount up front and a fixed monthly payment, which makes it a straightforward way to cover a car repair, a medical bill, or a home project you've been putting off.
- [3 Smart Moves for Meeting a Financial Challenge](https://www.peopledrivencu.org/other/financial-literacy/financial-challenges/): Financial challenges for families can include rising everyday costs, growing debt payments, and difficulty finding affordable housing.
- [How to Create Strong Passwords You Can Remember](https://www.peopledrivencu.org/other/safety-and-security/cybersecurity-and-digital-safety/how-to-create-strong-passwords-you-can-remember/): A strong password is one of the first lines of defense for your online accounts. Learn how to create passwords that are long, unique, difficult to predict, and easier to manage without relying on risky shortcuts.
- [Video Game Scams](https://www.peopledrivencu.org/other/safety-and-security/video-game-scams/): Video games connect millions of players, but gaming accounts can also attract scammers looking for money, valuable digital items, login credentials, and personal information. Learn how common video game scams work and how to protect yourself and your family.
- [Understanding LTV Limits](https://www.peopledrivencu.org/home-equity-loans/understanding-ltv-limits/): Before you borrow against your home, it’s worth knowing where you stand on your current mortgage and how much equity you can actually access. No matter which lender you’re working with, they’ll look closely at your Loan-to-Value (LTV) ratio: a simple calculation that shows how much of your home you’ve already paid off and sets the benchmarks for how much you can borrow.
- [2026 Woodward Dream Cruise](https://www.peopledrivencu.org/other/community/2026-woodward-dream-cruise/): The 2026 Woodward Dream Cruise takes over Woodward Avenue on Saturday, August 15, 2026, from 9:00 a.m. to 9:00 p.m. Whether you love classic cars, want to introduce the kids to Detroit’s automotive history, or simply enjoy watching thousands of unique vehicles roll by, the Dream Cruise offers a full day of things to see and do.
- [How Much House Can I Actually Afford in 2026?](https://www.peopledrivencu.org/home-mortgage-loans/house-affordability-2026/): For most people, a house is the largest purchase they’ll ever make, so it’s worth knowing what you can comfortably afford before you start shopping, not after. That’s especially true in 2026, with home prices and mortgage rates both running high. People Driven Credit Union offers several mortgage options for a range of incomes and budgets, but the right one starts with an honest look at the full cost of homeownership. Here’s how to work that out.
- [Personal Loans Near Sterling Heights, MI](https://www.peopledrivencu.org/personal/personal-loans/personal-loans-sterling-heights-mi/): Looking for personal loans near Sterling Heights? At People Driven Credit Union, you can complete the whole process online, from application to funding. A personal loan gives you a fixed amount up front and a fixed monthly payment, which makes it a practical way to cover a home project, consolidate higher-rate debt, or handle a bill you didn't see coming.
- [How Bank Accounts Work](https://www.peopledrivencu.org/other/accounts/how-accounts-work/): If you are searching for how bank accounts work, the easiest way to understand them is to start with what each account is meant to do. Checking accounts are built for everyday spending. Savings accounts help you set money aside. Money Market Accounts and High-Yield Money Market Accounts may be a good fit when you want to keep access to your funds while earning more on larger balances.
- [Fraud Awareness Alert: Protect Yourself from Account Takeover Scams](https://www.peopledrivencu.org/other/safety-and-security/scam-and-fraud-awareness/fraud-awareness-alert-account-takeover-fraud/): People Driven Credit Union may contact you regarding account activity or possible debit fraud. However, we will never text you asking for sensitive account information, and we will never ask you to move your money to another account for “safekeeping.”
- [Buying vs. Renting a Home in 2026: A Smart Plan for Homeownership](https://www.peopledrivencu.org/home-mortgage-loans/buying-vs-renting/): June is National Homeownership Month, a good time to think about one of the biggest financial decisions many people face: buying vs. renting. Should you keep renting for now, or is it time to start planning for a home of your own?
- [10 Scams to Watch for: Protect Yourself and Your Money](https://www.peopledrivencu.org/other/safety-and-security/scams-to-watch-for/): Here are 10 of the most common scams to watch for, along with the red flags that can help you spot them.
- [5 Digital Banking Tools That Can Help Protect Older Adults from Financial Exploitation](https://www.peopledrivencu.org/other/safety-and-security/financial-exploitation-protection/): Elder financial exploitation protection is in desperate need, with the alarming and often hidden issue that affects many older adults and vulnerable individuals. It can happen through scams, pressure from someone the person knows, unauthorized access to an account, or manipulation by someone who gains trust over time.
- [How to Help Prevent Elder Financial Exploitation](https://www.peopledrivencu.org/other/safety-and-security/financial-exploitation/): June is Elder Abuse Awareness Month. Learn the warning signs of elder financial exploitation and how to help protect a loved one
- [Checking Account vs. Money Market Account](https://www.peopledrivencu.org/other/accounts/checking/checking-account-vs-money-market-account/): The checking account vs. money market account decision is ultimately about what you need your money to do every day.
- [PD Summertime Cash Loan Special](https://www.peopledrivencu.org/personal/personal-loans/pd-summertime-cash-loan-special/): That is why People Driven Credit Union is offering the PD Summertime Cash Loan Special, available June 1, 2026, through July 31, 2026. Eligible members can apply for a fast, short-term Quick Cash option, while members and nonmembers who need a larger loan may explore PDCU’s traditional personal loan options.
- [Gas Pump Scam](https://www.peopledrivencu.org/other/safety-and-security/scam-and-fraud-awareness/gas-pump-scam/): A gas pump scam reported in Michigan is a good reminder to slow down for a few seconds before pulling away from the pump.
- [PDCU Visa Rewards Driven Credit Card vs. Store Credit Card](https://www.peopledrivencu.org/personal/credit-cards/pdcu-visa-rewards-driven-credit-card-vs-store-credit-card/): When a cashier asks if you want to save a percentage today by opening a store credit card, it can be hard to say no. But before you hand over your information at checkout, it is worth taking a closer look at what you are actually signing up for.
- [2026 Home Equity Special](https://www.peopledrivencu.org/home-equity-loans/2026-home-equity-special/): Starting May 26, 2026, People Driven Credit Union members can take advantage of a limited-time Home Equity Special and save on the cost of borrowing.
- [Certificate of Deposit vs. High-Yield Money Market Account](https://www.peopledrivencu.org/other/certificate-of-deposit-vs-high-yield-money-market-account/): This guide walks through a Certificate of Deposit vs. High-Yield Money Market Account comparison so you can make a confident decision for your savings goals.
- [Secured vs. Unsecured Personal Loans: Which Is Right for Your Situation?](https://www.peopledrivencu.org/personal/personal-loans/secured-vs-unsecured-personal-loans-which-is-right-for-your-situation/): When you’re weighing your personal loan options, understanding the difference between secured vs. unsecured personal loans helps you choose confidently. Both can fund goals like consolidating debt, tackling a project, or covering an unexpected bill, but they work differently and suit different situations.
- [Mortgage Refinance vs. Home Equity Loan: Which Is Right for You?](https://www.peopledrivencu.org/home-equity-loans/mortgage-refinance-vs-home-equity-loan/): This guide compares a Mortgage Refinance vs. Home Equity Loan side by side so you can make a confident decision with People Driven Credit Union.
- [Personal Loans Near Royal Oak, MI](https://www.peopledrivencu.org/pdcu-locations/personal-loans-near-royal-oak-mi/): If you’re looking for a personal loan near Royal Oak, People Driven Credit Union offers personal loan options for members across Southeast Michigan. Our Southfield branch is a short drive from Royal Oak, and you can start by reviewing your options online.
- [New vs. Used Car Financing for 2026](https://www.peopledrivencu.org/vehicle/auto-loans/new-vs-used-car-financing-2026/): If you’re in the market for a vehicle, one of the first decisions you’ll face is whether to finance new or used. Both have real advantages—and real tradeoffs. But new vs. used car financing looks a little different in 2026 than it has in previous years, and it’s worth understanding the landscape before you apply for your next auto loan.
- [Personal Loans Near Northville, MI](https://www.peopledrivencu.org/pdcu-locations/personal-loans-northville-mi/): If you’re looking for a personal loan near Northville, People Driven Credit Union offers personal loan options for members across Southeast Michigan. Our Livonia branch is a short drive from Northville, and you can start by reviewing your options online.
- [Personal Loans Near Berkley, MI](https://www.peopledrivencu.org/pdcu-locations/personal-loans-near-berkley-mi/): If you’re looking for a personal loan near Berkley, People Driven Credit Union offers personal loan options for members across Southeast Michigan. Our Southfield branch is a short drive from Berkley, and you can start by reviewing your options online.
- [Personal Loans Near Beverly Hills, MI](https://www.peopledrivencu.org/pdcu-locations/personal-loans-near-beverly-hills-mi/): If you’re looking for a personal loan near Beverly Hills, People Driven Credit Union offers personal loan options for members across Southeast Michigan. Our Southfield branch is a short drive from Beverly Hills, and you can start by reviewing your options online.
- [Personal Loans Near Ferndale, MI](https://www.peopledrivencu.org/pdcu-locations/personal-loans-near-ferndale-mi/): If you’re looking for a personal loan near Ferndale, People Driven Credit Union offers personal loan options for members across Southeast Michigan. Our Southfield branch is a short drive from Ferndale, and you can start by reviewing your options online.
- [Personal Loans Near Lathrup Village, MI](https://www.peopledrivencu.org/pdcu-locations/personal-loans-near-lathrup-village-mi/): If you’re looking for a personal loan near Lathrup Village, People Driven Credit Union offers personal loan options for members across Southeast Michigan. Our Southfield branch is a short drive from Lathrup Village, and you can start by reviewing your options online.
- [Personal Loans Near Oak Park, MI](https://www.peopledrivencu.org/pdcu-locations/personal-loans-near-oak-park-mi/): If you're looking for a personal loan near Oak Park, People Driven Credit Union offers personal loan options for members across Southeast Michigan. Our Southfield branch is a short drive from Oak Park, and you can start by reviewing your options online.
- [Digital Banking Tools](https://www.peopledrivencu.org/other/pdcu-services/digital-banking-tools/): Digital Banking Tools from People Driven Credit Union make it easier to manage your money, move funds, pay bills, deposit checks, and get help when you need it.
- [7 Overdraft Tips to Avoid Fees](https://www.peopledrivencu.org/other/financial-literacy/overdraft-tips/): Overdraft fees are frustrating. They usually show up when money is already tight, which makes them even more annoying. Overdraft Tips can help you avoid frustrating fees, especially when money is already tight and every dollar matters.
- [Memorial Day: Our Reflections](https://www.peopledrivencu.org/other/community/memorial-day-our-hours-and-reflections/): This Memorial Day, we pause to honor the brave men and women who gave their lives in service to our country. Their sacrifice reminds us of the actual cost of freedom, and we are deeply grateful.
- [How to Choose the Best Loan for Your Next Home Project](https://www.peopledrivencu.org/home-equity-loans/how-to-choose-the-best-loan-for-your-next-home-project/): At People Driven Credit Union, three common options stand out: a Home Equity Line of Credit (HELOC), a Fixed Rate Home Equity Loan, and a Home Improvement Personal Loan. Each option works differently. One gives you flexible access to funds. One gives you a lump sum with fixed payments. One lets you finance a project without using your home as collateral. Lets find the best loan for your next home project.
- [A Fresh Start for Your Home and Wallet](https://www.peopledrivencu.org/home-equity-loans/a-fresh-start-for-your-home-and-wallet/): A Fresh Start for Your Home and Wallet. The weather changes, routines shift, and many people start thinking about ways to improve their homes and finances.
- [2026 Diamond Award](https://www.peopledrivencu.org/other/community/2026-diamond-award/): That campaign is one of the 2026 Diamond Award Winners from America's Credit Unions Communication and Marketing, Development Council, one of the most competitive years in the award's history, with 1,481 submissions from credit unions across 42 states.
- [People Driven Credit Union Earns National Recognition for Best Mortgage Loan Experience](https://www.peopledrivencu.org/other/community/people-driven-credit-union-earns-national-recognition-for-best-mortgage-loan-experience/): People Driven Credit Union has been named a 2026 MemberXP Best of the Best Award winner for Best Mortgage Loan Experience. This national recognition places PDCU among the top-performing credit unions in the country for member experience in mortgage lending.
- [USDA Loans: The Hidden Options for Rural Homebuyers](https://www.peopledrivencu.org/home-mortgage-loans/usda-loans-rural-buyers/): The USDA has a vested interest in making sure the rural areas of the country can thrive. So they partner with approved lending institutions around the country (including People Driven Credit Union here in Michigan) to provide easier and more affordable mortgage loans to low-to-moderate income households who are purchasing single-family primary residence homes in certain rural areas. These government-backed loans offer favorable terms, competitive interest rates, and flexible credit requirements to make home ownership more accessible for all families. While rates will vary, all USDA loans are 30-year, fixed-rate mortgages. 
- [HELOC vs. Fixed Rate Home Equity Loan](https://www.peopledrivencu.org/home-equity-loans/heloc-vs-fixed-rate-home-equity-loan/): HELOC vs. Fixed Rate Which is better?
- [Government Furlough Assistance Program](https://www.peopledrivencu.org/personal/personal-loans/government-furlough-assistance/): This program offers three key forms of assistance: Financial Counseling, Payment Extensions, and Furlough Relief Loans.
- [How to Organize Your Tax Documents](https://www.peopledrivencu.org/other/financial-literacy/how-to-organize-your-tax-documents/): The good news? You don’t need a perfect system. You need a simple system you’ll actually use. Here’s a quick, low-stress way to organize your tax documents in under an hour—without turning your living room into an evidence board.
- [Manage Tax Season Stress with PDCU’s Tax Relief Loan](https://www.peopledrivencu.org/personal/personal-loans/manage-tax-season-stress-with-pdcus-tax-relief-loan/): Tax season can be stressful. From gathering documents and filling out complicated forms to figuring out how to pay your tax bill, it’s no surprise that many people feel overwhelmed during this time of year. But what if there was a way to remove financial stress from the equation? With PDCU’s Tax Relief Loan, managing tax season just got easier.
- [How to Make Money](https://www.peopledrivencu.org/other/member-benefits/how-to-make-money/): Looking for an easy way to get a little extra from the purchases you already make? If you have an active People Driven Credit Union debit card, this month’s CashBack+ offer gives you a simple way to earn $10 cash back.
- [CashBack+ Pay, Brand Payoffs](https://www.peopledrivencu.org/other/member-benefits/cashback-pay-brand-payoffs/): March is known for big brackets, close calls, and plenty of excitement. This year, People Driven Credit Union members have another reason to pay attention. CashBack+ Pay is getting in on the action with a special promotion that gives members the chance to earn boosted cash back from brands they already shop with, including a Champion Bonus Day offering 30% cash back. The CashBack+ Pay Brand Payoffs is an amazing opportunity for all our customers.
- [Your Credit Matters: Celebrate National Credit Education Month with PDCU](https://www.peopledrivencu.org/other/financial-literacy/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.
- [Don’t Let a Tax Scam Steal Your Refund](https://www.peopledrivencu.org/other/safety-and-security/scam-and-fraud-awareness/dont-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 a Tax Scam Steal Your Refund by staying alert to suspicious messages.
- [The True Cost of Vehicle Ownership Beyond Monthly Payments](https://www.peopledrivencu.org/vehicle/auto-loans/the-true-cost-of-vehicle-ownership/): It is no secret that the cost of vehicle ownership is a major investment. While everyone knows the price tag on a new car is often quite high, there are a handful of sneakier ways the total cost might be even higher than you had previously anticipated.

## Pages
- [Jumbo CD (Certificate of Deposit)](https://www.peopledrivencu.org/accounts/investment-savings/jumbo-cd/)
- [Mark Jacobs](https://www.peopledrivencu.org/loans/home-loans/mark-jacobs/)
- [Kristin Noel](https://www.peopledrivencu.org/loans/home-loans/kristin-noel/)
- [Darlene Papanichola](https://www.peopledrivencu.org/loans/home-loans/darlene-papanichola/)
- [Connect with a Mortgage Loan Officer](https://www.peopledrivencu.org/loans/mortgage-loan-options/connect-with-a-mortgage-loan-officer/): Michelle Dzon, People Driven Credit Union’s Mortgage Loan Officer, can help you explore your options, answer your questions, and help you decide on the right next step.
- [Secured & Unsecured Personal Loan Options](https://www.peopledrivencu.org/loans/personal-loan-options/secured-unsecured-personal-loan-options/)
- [Everything Loans for Anything](https://www.peopledrivencu.org/loans/personal-loan-options/everything-loans/)
- [Life Situational Loans](https://www.peopledrivencu.org/loans/personal-loan-options/life-situational-loans/)
- [Valentine’s Day Loan](https://www.peopledrivencu.org/loans/personal-loan-options/valentines-day-loan/): Valentine’s Day is fun… until it hits your budget. Between gifts, a night out, travel, or a surprise experience, costs add up fast. People Driven Credit Union (PDCU) is here to help with two options: the PD Quick Cash Valentine’s Day Loan Special and the PDCU Valentine’s Day Loan Special—both designed to help you celebrate without turning February into “Regretuary.” And if you’d rather pay down a higher-interest balance than add to it, these loan options can also help you consolidate or replace higher-rate debt with a clear payoff plan.
- [Self-Improvement Loans](https://www.peopledrivencu.org/loans/personal-loan-options/self-improvement-loans/)
- [Relocation Loans](https://www.peopledrivencu.org/loans/personal-loan-options/relocation-loans/)
- [Wellness Loans](https://www.peopledrivencu.org/loans/personal-loan-options/wellness-loans/)
- [Pet Loans](https://www.peopledrivencu.org/loans/personal-loan-options/pet-loans/)
- [Home Insurance](https://www.peopledrivencu.org/member-services/insurance-services/home-insurance/): TruStage® Home Insurance gives credit union members a way to explore coverage options that can help protect a home and what’s inside it. Whether you own or rent, you can review policy features and request a quote based on your property, location, and coverage preferences.
- [Auto Insurance](https://www.peopledrivencu.org/member-services/insurance-services/auto-insurance/): TruStage® Auto Insurance offers coverage options for credit union members who want reliable protection on the road. Whether you’re insuring a new vehicle, an older daily driver, or multiple cars in your household, you can compare options and request a quote tailored to your needs.
- [Exotic Car Loans](https://www.peopledrivencu.org/loans/vehicle/exotic-car-loans/)
- [Bridge Loans](https://www.peopledrivencu.org/loans/home-loans/bridge-loans/)
- [Land Loan](https://www.peopledrivencu.org/loans/home-loans/land-loan/)
- [16-month CD Special](https://www.peopledrivencu.org/accounts/investment-savings/16-month-cd-special/): Turn idle cash into a 16-month plan. With our 16-Month CD Special, your 3.90% APY² rate is fixed, your timeline is clear, and your savings are federally insured by the NCUA. Open with $500, set it, and let time do the work. Early withdrawal penalties apply and will reduce earnings. Membership and eligibility required.
- [Connect with a Home Equity Specialist](https://www.peopledrivencu.org/loans/home-loans/connect-with-a-home-equity-specialist/): Buying, building, or borrowing against your home’s equity? You’re in the right place. Connect with a Home Equity Specialist and share a few details below, and our team will reach out with a clear, no-pressure plan. Prefer to call? 248-263-4100 (ask for Darlene P).
- [Mortgage Refinance](https://www.peopledrivencu.org/loans/mortgage-loan-options/mortgage-refinance/)
- [Refinance Your Car, Truck, or SUV](https://www.peopledrivencu.org/loans/vehicle/refinance-your-car-truck-or-suv/)
- [Zero Down Purchase Program](https://www.peopledrivencu.org/loans/mortgage-loan-options/zero-down-purchase-program/): Saving for a down payment can delay your dreams of homeownership—but it doesn’t have to. People Driven Credit Union’s Zero Down Purchase Program gives you the power to buy a home with up to 100% financing. Whether you're a first-time buyer or just starting over, this program helps you skip the savings struggle and start building equity now.
- [Doctors Advantage 7/1 ARM Mortgage](https://www.peopledrivencu.org/loans/mortgage-loan-options/doctors-advantage-7-1-arm-mortgage/): The Doctors Advantage 7/1 ARM Mortgage from People Driven Credit Union is explicitly designed for licensed medical professionals in Michigan. With lower initial rates than a fixed mortgage, and up to 100% financing, it offers an affordable path to homeownership, especially during the early years of your career or while managing student loan debt.
- [Doctors Advantage Fixed Mortgage](https://www.peopledrivencu.org/loans/mortgage-loan-options/doctors-advantage-fixed-mortgage/): People Driven Credit Union created the Doctors Advantage Fixed Mortgage to reward Michigan's medical professionals with a home financing option that offers stability, competitive rates, and the financial breathing room they deserve. Whether you're purchasing a primary residence, second home, or investment property, this program is built to support your future.
- [Youth Certificate of Deposit (CD)](https://www.peopledrivencu.org/accounts/investment-savings/youth-cd/): A Youth Certificate of Deposit (CD) is a one-year CD designed for members under 18. With just $25 to open and a one-year term, it’s a safe and accessible way for kids to learn about saving, patience, and the value of earning interest something no toy piggy bank can do.
- [Welcome New Members](https://www.peopledrivencu.org/about/welcome-new-members/): Welcome new members! As a People Driven Credit Union member, you’re not just joining a financial institution, you’re becoming part of a community that puts people first. Since 1928, we’ve been dedicated to helping our members achieve their financial goals with better rates, fewer fees, and personalized service that you won’t find at a big bank. Whether you’re saving for the future, financing a big purchase, or simply looking for an easier way to manage your money, we’re here to help every step of the way.
- [Share Secured Credit Card](https://www.peopledrivencu.org/loans/personal-loan-options/share-secured-credit-card/): A smarter way to build or rebuild your credit. The PDCU Secured Credit Card gives you real credit-building power—backed by a refundable deposit that sets your limit.
- [Educational IRA Certificates (Coverdell Education Savings Accounts)](https://www.peopledrivencu.org/accounts/investment-savings/educational-ira-certificates-coverdell-education-savings-accounts/)
- [Credit Builder Loans](https://www.peopledrivencu.org/loans/personal-loan-options/credit-builder-loans/)
- [Summertime Cash Loan Special](https://www.peopledrivencu.org/loans/personal-loan-options/summertime-loan/): Our People Driven Credit Union Summertime Cash Loan also allows you to consolidate higher-interest debts incurred throughout the year, making your financial situation more manageable as the summer heats up.
- [CashBack+](https://www.peopledrivencu.org/member-services/cashback/): Earn Cashback on Your Everyday Purchases!
- [Graduation Loans](https://www.peopledrivencu.org/loans/personal-loan-options/graduation-loans/): Graduation is an exciting time full of new beginnings — but it can also come with big expenses. Whether you’re preparing for job interviews, moving into a new place, or celebrating your achievement with family and friends, People Driven Credit Union (PDCU) is here to help with our Graduation Loan. Designed to provide quick, affordable funding, our Graduation Loan helps you manage the costs of celebrating your success and setting yourself up for the future.
- [Home Mortgage Loan Options](https://www.peopledrivencu.org/loans/mortgage-loan-options/)
- [High-Yield Money Market Savings Accounts for Businesses](https://www.peopledrivencu.org/business/high-yield-money-market-savings-accounts-for-businesses/): Your business deserves a savings solution that grows alongside your ambitions. At People Driven Credit Union, our High-Yield Business Money Market Account delivers a competitive, guaranteed rate—helping you make the most of your operating funds while keeping them accessible for day-to-day needs.
- [Tax Relief Loans](https://www.peopledrivencu.org/loans/personal-loan-options/tax-relief-loans/): Tax season is here, and for many, it’s a time of financial stress—whether you’re facing tax payments, covering tax prep fees, or just need extra cash to make ends meet. At People Driven Credit Union (PDCU), we understand that tax season can be a heavy burden. That’s why we’re excited to offer our Tax Relief Loan promotion, designed to provide you with a quick, affordable solution to ease the financial strain.
- [How to Make a Payment on Your Rewards Driven Credit Card](https://www.peopledrivencu.org/loans/how-to-make-a-payment-on-your-pdcu-credit-card/): There are several convenient ways to make payments on your People Driven Visa Credit Card:
- [How to Make a Loan Payment](https://www.peopledrivencu.org/loans/how-to-make-a-loan-payment/): Call (248) 263-4100 to make a payment using a debit or credit card.
- [Skip-A-Payment](https://www.peopledrivencu.org/loans/skip-a-payment/): Unexpected expenses can throw a wrench in your budget. With Skip-A-Payment, eligible members can skip one loan payment per calendar year for a fee. It’s a simple and convenient way to give yourself some breathing room during the year, whether it's for unexpected expenses or to help you enjoy a holiday a little more comfortably.
- [Member Discounts](https://www.peopledrivencu.org/member-services/member-discounts/): At People Driven Credit Union, we’re dedicated to offering our members more than just financial services. Through our trusted partnerships, you have access to a wide range of exclusive discounts and benefits that can help you save on important services, protect your loved ones, and plan for the future.
- [Friends & Family Referral Program](https://www.peopledrivencu.org/member-services/friends-family-referral-program/): You Earn $25, and Your Friend Gets $50!

## FAQs
- [How can I see how much interest I owe on my loan?](https://www.peopledrivencu.org/faqs/how-can-i-see-how-much-interest-i-owe-on-my-loan/): You can easily view your loan interest details anytime through the People Driven Credit Union Mobile App or Online Banking.
- [Can I make extra payments on my loan without changing my due date?](https://www.peopledrivencu.org/faqs/can-i-make-extra-payments-on-my-loan-without-changing-my-due-date/): Yes! If you'd like your extra payments to be applied directly to your loan balance without advancing your next payment due date, we can set that up for you.
- [Can I make extra payments toward my loan’s principal balance?](https://www.peopledrivencu.org/faqs/can-i-make-extra-payments-toward-my-loans-principal-balance/): Yes! You can make extra payments toward your loan's principal at any time.
- [How can I see how my loan payment was applied?](https://www.peopledrivencu.org/faqs/how-to-see-how-my-loan-payment-was-applied/): You can track how your loan payments are applied in several ways.
- [How are regular monthly loan payments applied/allocated?](https://www.peopledrivencu.org/faqs/how-are-regular-monthly-loan-payments-applied-allocated/): Monthly payments are allocated based on the loan agreement, in this order:
- [Are Save to Win® Savings Accounts federally insured?](https://www.peopledrivencu.org/faqs/are-save-to-win-savings-accounts-federally-insured/): Yes. People Driven Credit Union savings accounts are federally insured by the National Credit Union Administration, backed by the full faith and credit of the United States Government.
- [Who is eligible for Save to Win®?](https://www.peopledrivencu.org/faqs/who-is-eligible-for-save-to-win/): Save to Win® is available to eligible PDCU members who meet the program requirements, including age and residency requirements where prize-linked savings is permitted. See the official rules for complete eligibility details.
- [Do I need to be a PDCU member to open this account?](https://www.peopledrivencu.org/faqs/do-i-need-to-be-a-pdcu-member-to-open-this-account/): Yes. Membership and eligibility requirements apply. People Driven Credit Union membership is open to those who live, work, worship, or attend school in Michigan, as well as relatives of current members.
- [Can I access my money?](https://www.peopledrivencu.org/faqs/can-i-access-my-money/): Yes. Your money remains in your savings account. Standard account access, transaction limits, and account rules may apply.
- [Are my savings used to pay for the prizes?](https://www.peopledrivencu.org/faqs/are-my-savings-used-to-pay-for-the-prizes/): No. Your savings remain yours. Save to Win® gives eligible members chances to win cash prizes while they build their savings.
- [How many entries can I earn each month?](https://www.peopledrivencu.org/faqs/how-many-entries-can-i-earn-each-month/): You can earn up to 100 entries per month, subject to the official Save to Win® Savings Promotion Raffle rules.
- [How do I earn entries?](https://www.peopledrivencu.org/faqs/how-do-i-earn-entries/): You earn one entry for each qualifying $25 increase in your Save to Win® Savings Account balance. Entry limits apply.
- [How does a Save to Win® Savings Account work?](https://www.peopledrivencu.org/faqs/how-does-a-save-to-win-savings-account-work/): You add money to the account over time. For every qualifying $25 increase in your account balance, you earn one entry into Save to Win® prize drawings, up to the entry limits listed in the Official Rules.
- [What fees are involved with an auto loan?](https://www.peopledrivencu.org/faqs/what-fees-are-involved-with-an-auto-loan/): Fees include:
- [What interest rate can I expect on an auto loan?](https://www.peopledrivencu.org/faqs/what-interest-rate-can-i-expect-on-an-auto-loan/): Interest rates vary based on factors like your credit score, the loan term, the lender, and the vehicle’s age. It’s a good idea to shop around for the best rate and check if you qualify for any discounts.
- [Are there fees associated with a Debt Consolidation Loan?](https://www.peopledrivencu.org/faqs/are-there-fees-associated-with-a-debt-consolidation-loan/): People Driven Credit Union may charge an origination fee, late payment, or prepayment penalties. It is important to review the loan agreement carefully to understand all the associated costs.
- [Are there any fees associated with a Home Improvement Loan?](https://www.peopledrivencu.org/faqs/are-there-any-fees-associated-with-a-home-improvement-loan/): People Driven Credit Union may charge origination fees, late payment fees, or prepayment penalties. It’s important to review the loan terms carefully to understand any fees associated with the loan.
- [Are there any fees associated with a CD Secured Loan?](https://www.peopledrivencu.org/faqs/are-there-any-fees-associated-with-a-cd-secured-loan/): People Driven Credit Union may charge fees, such as an origination fee, late payment fees, or prepayment penalties. Be sure to review the loan agreement for any associated fees.
- [Are there any fees associated with a Credit Builder Loan?](https://www.peopledrivencu.org/faqs/are-there-any-fees-associated-with-a-credit-builder-loan/): There may be fees associated with a Credit Builder Loan, such as an application fee or late payment fees.
- [How much can I borrow with a Home Improvement Loan?](https://www.peopledrivencu.org/faqs/how-much-can-i-borrow-with-a-home-improvement-loan/): The amount you can borrow depends on the lender and your financial situation. At People Driven Credit Union, we offer flexible loan amounts to fit your project’s needs. You can borrow a specific amount based on the estimated cost of your home improvement.
- [How does a personal loan or line of credit affect my credit score?](https://www.peopledrivencu.org/faqs/how-does-a-personal-loan-or-line-of-credit-affect-my-credit-score-2/): A personal loan can impact your credit score both positively and negatively. Making on-time payments can improve your credit score. However, missing payments or defaulting on a loan can harm your credit score. Applying for a loan also results in a hard inquiry, which may temporarily lower your score.
- [How do I receive a wire transfer into my People Driven CU account?](https://www.peopledrivencu.org/faqs/how-do-i-receive-a-wire-transfer-into-my-people-driven-cu-account/): To receive a wire transfer into your People Driven Credit Union account, provide the sender with the wire instructions required for incoming transfers. Incoming wires are sent through Alloya Corporate Federal Credit Union and then credited to People Driven Credit Union and your account.
- [How is PDCU involved with the Southeast Michigan Chamber of Commerce (SEMCC)?](https://www.peopledrivencu.org/faqs/how-is-pdcu-involved-with-the-southeast-michigan-chamber-of-commerce-semcc/): People Driven Credit Union stays actively involved with the Southeast Michigan Chamber of Commerce. We partner on events, sponsor programs, and work alongside other local businesses to help support and grow Michigan companies.
- [How did Shawndricka get so awesome?](https://www.peopledrivencu.org/faqs/how-did-shawndricka-get-so-awesome/): A little natural talent, a lot of heart, and the same hands-on training every People Driven Credit Union team member goes through. Shawndricka clearly brings her own spark to every member interaction, but great service like that also comes from a team culture that cares about getting the little things right.
- [What factors are considered when applying for a personal loan?](https://www.peopledrivencu.org/faqs/what-factors-are-considered-when-applying-for-a-personal-loan/): When you apply for a personal loan, People Driven Credit Union reviews factors such as your application details, income, creditworthiness, and overall ability to repay. If approved, your rate, term, and loan amount will be based on qualifying factors and are subject to change. To learn more before you apply, review What to Know Before Applying for a Personal Loan and How to Improve Your Personal Loan Application in 24 Hours. If you have questions about preparing to apply or about the application process, contact us for guidance.
- [How are personal loan rates determined?](https://www.peopledrivencu.org/faqs/how-are-personal-loan-rates-determined/): Personal loan rates are based on several factors, including creditworthiness, the amount borrowed, income, and other application details. Your actual APR and loan term are subject to approval, and rates may change over time. If you want to better understand what affects your loan and what to review before applying, check out What to Know Before Applying for a Personal Loan for a helpful overview of APR, monthly payments, repayment terms, and total borrowing costs.
- [Can I pay off my personal loan early?](https://www.peopledrivencu.org/faqs/can-i-pay-off-my-personal-loan-early/): Yes. People Driven Credit Union personal loans have no prepayment penalties, so you can pay extra or pay off your balance early if you choose.
- [How does a personal loan application work?](https://www.peopledrivencu.org/faqs/how-does-a-personal-loan-application-work/): You can apply online to request a personal loan. If approved, your rate, term, and loan amount will be based on qualifying factors such as creditworthiness and other application details. Before you apply, you can review How to Improve Your Personal Loan Application in 24 Hours for tips on preparing your application. If you have any questions about the personal loan application or the process, please contact us.
- [What is the break-even point on a mortgage refinance, and why does it matter?](https://www.peopledrivencu.org/faqs/what-is-the-break-even-point-on-a-mortgage-refinance-and-why-does-it-matter/): The break-even point on a mortgage refinance is the point where your monthly savings have added up enough to cover the upfront cost of refinancing. In simple terms, it helps you figure out how long you may need to stay in the home for the refinance to start making financial sense.
- [What is a Personal Line of Credit?](https://www.peopledrivencu.org/faqs/what-is-a-personal-line-of-credit/): A Personal Line of Credit is a revolving credit account that gives you access to funds up to your approved limit. You can borrow only what you need, pay interest only on the amount you use, and as you repay the balance, your available credit becomes available again.
- [How is a Personal Line of Credit different from a personal loan?](https://www.peopledrivencu.org/faqs/how-is-a-personal-line-of-credit-different-from-a-personal-loan/): A personal loan gives you one lump sum with fixed payments. A Personal Line of Credit gives you flexible access to funds over time, so you can borrow, repay, and borrow again up to your approved credit limit.
- [What can I use a Personal Line of Credit for?](https://www.peopledrivencu.org/faqs/what-can-i-use-a-personal-line-of-credit-for/): A Personal Line of Credit may be useful for unexpected expenses, home projects, medical bills, travel, or as a financial backup when cash flow changes.
- [Do I pay interest on the full credit limit?](https://www.peopledrivencu.org/faqs/do-i-pay-interest-on-the-full-credit-limit/): No. You only pay interest on the amount you actually use, not on your full approved limit.
- [Can I use a Personal Line of Credit more than once?](https://www.peopledrivencu.org/faqs/can-i-use-a-personal-line-of-credit-more-than-once/): Yes. Because it is revolving credit, your available credit replenishes as you repay what you borrowed. That means you can continue using it again as long as the account remains in good standing and you stay within your approved limit.
- [What is an Overdraft Line of Credit?](https://www.peopledrivencu.org/faqs/what-is-an-overdraft-line-of-credit/): An Overdraft Line of Credit, or ODLOC, is a revolving line of credit tied to your checking account. If your checking balance comes up short, funds can automatically transfer to help cover the difference.
- [How does an ODLOC help with overdrafts?](https://www.peopledrivencu.org/faqs/how-does-an-odloc-help-with-overdrafts/): An ODLOC can help prevent bounced checks, declined transactions, and overdraft issues by covering shortfalls in your checking account when funds are not available.
- [What affects approval for a Personal Line of Credit?](https://www.peopledrivencu.org/faqs/what-affects-approval-for-a-personal-line-of-credit/): Approval is subject to application and credit review. Eligibility, rates, and credit limits can depend on creditworthiness and other underwriting factors.
- [How long does a wire transfer take?](https://www.peopledrivencu.org/faqs/how-long-does-a-wire-transfer-take/): Domestic wire transfers are usually processed the same business day if the request is submitted before the daily cutoff. In many cases, funds are available to the recipient within hours.
- [What is the difference between an ACH transfer and a wire transfer?](https://www.peopledrivencu.org/faqs/what-is-the-difference-between-an-ach-transfer-and-a-wire-transfer/): An ACH transfer is commonly used for everyday electronic transactions such as direct deposit, external account links, and automatic payments. A wire transfer is typically used when money needs to move more quickly, especially for larger or more time-sensitive payments.
- [How do I send a wire transfer from my People Driven CU account?](https://www.peopledrivencu.org/faqs/how-do-i-send-a-wire-transfer-from-my-people-driven-cu-account/): To send a wire transfer from your People Driven Credit Union account, call us at 248-263-4100 or visit a branch for assistance. You will need to provide the recipient’s full name, address, account number, and the receiving financial institution’s routing information.
- [Do I use the same routing number for ACH transfers and wire transfers?](https://www.peopledrivencu.org/faqs/do-i-use-the-same-routing-number-for-ach-transfers-and-wire-transfers/): Not always. People Driven Credit Union’s routing number, 272484988, is used for direct deposit, ACH transfers, and many standard account setup requests. Wire transfers may require different instructions, depending on whether you are sending or receiving the wire.
- [Can I use People Driven CU’s routing number to link an external account?](https://www.peopledrivencu.org/faqs/can-i-use-people-driven-cus-routing-number-to-link-an-external-account/): Yes. You can use People Driven Credit Union’s routing number, 272484988, to link your PDCU account to an external account at another financial institution. In most cases, you will also need your account number and may need to complete a verification step, such as confirming trial deposits.
- [Can I use People Driven CU’s routing number for direct deposit?](https://www.peopledrivencu.org/faqs/can-i-use-people-driven-cus-routing-number-for-direct-deposit/): Yes. You can use People Driven Credit Union’s routing number, 272484988, for direct deposit. You will also need your personal account number so your deposit is sent to the correct account.
- [What is the difference between a routing number and an account number?](https://www.peopledrivencu.org/faqs/what-is-the-difference-between-a-routing-number-and-an-account-number/): A routing number identifies the financial institution, while an account number identifies your specific account at that institution. You may need both numbers to set up direct deposit, automatic payments, ACH transfers, or external account links.
- [How does a personal loan or line of credit affect my credit score?](https://www.peopledrivencu.org/faqs/how-does-a-personal-loan-or-line-of-credit-affect-my-credit-score/): A personal loan can impact your credit score both positively and negatively. Making on-time payments can improve your credit score. However, missing payments or defaulting on a loan can harm your credit score. Applying for a loan also results in a hard inquiry, which may temporarily lower your score.
- [What can I use a personal loan for?](https://www.peopledrivencu.org/faqs/what-can-i-use-a-personal-loan-for-2/): Personal loans can be used for a variety of purposes, including: debt consolidation, home improvements, medical expenses, major purchases (appliances, electronics), special events (weddings, vacations), or unplanned emergency expenses.
- [Does applying for multiple personal loans hurt my credit score?](https://www.peopledrivencu.org/faqs/does-applying-for-multiple-personal-loans-hurt-my-credit-score/): Yes, applying for multiple loans of any kind can negatively impact your credit score. However, consistent, on-time payment of loans will improve your credit in both the short and long term.
- [How can People Driven Credit Union help me improve my credit before applying?](https://www.peopledrivencu.org/faqs/how-can-people-driven-credit-union-help-me-improve-my-credit-before-applying/): PDCU has a variety of avenues for improving credit. These avenues include debt consolidation loans, which can help manage current debt, and credit builder loans, which can improve your credit while also establishing a savings account as a stepping stone to better loan terms in the future. PDCU has also partnered with GreenPath Financial Wellness to help our members get back on track with their finances and credit. Please call GreenPath at 877-337-3399 and let them know that you are a PDCU member if you would like to make an appointment with a representative.
- [How do I make a loan payment?](https://www.peopledrivencu.org/faqs/how-do-i-make-a-loan-payment-2/): To make a payment via online banking with funds already in your account, log in to the MyPDCU Online Portal or use the MyPDCU app, and select Transfers. Select where you want to transfer from and which loan you would like to transfer to. To make a payment with a debit/credit card, call (248) 263-4100. To set up an auto-transfer from your PDCU account or attach an auto-payment to any direct deposit that comes into your account, give us a call at (248) 263-4100 or stop by any of our five branches. Have us set up an auto-payment from your other financial institution. Please call us at (248) 263-4100 or stop by any of our five branches, and we can help you complete the proper paperwork. You may also mail in a check payable to People Driven Credit Union, 24333 Lahser Rd, Southfield, MI 48033.
- [Do I need to be a PDCU member to take out a loan?](https://www.peopledrivencu.org/faqs/do-i-need-to-be-a-pdcu-member-to-take-out-a-loan/): All accounts and loans require membership at People Driven Credit Union. Membership is available to individuals who live, work, worship, or attend school in the state of Michigan, as well as to relatives of current members. To complete an application for any account or loan, you will need a valid driver’s license, a state ID, or a passport with your current address, and your Social Security Number.