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People Driven Credit Union

PDCU Member Benefit

Insurance Services

Comprehensive, affordable coverage for every stage of life

PDCU Insurance Services: Affordable Coverage for Michigan Credit Union Members

As a People Driven Credit Union member, you have access to insurance services most people never get through a bank. That is the credit union difference. PDCU partners with TruStage Insurance Programs to bring members group-rate pricing on auto, home, renters, life, dental, and accidental death coverage. No sales pressure. No complicated applications. Just straightforward protection at rates designed for people like you.

Insurance Services Available to PDCU Members Through TruStage

Why Do Credit Union Members Pay Less for Insurance?

Credit unions are not-for-profit financial cooperatives. That structure allows organizations like TruStage to offer members group pricing that individual consumers often cannot access on the open market. Because PDCU is member-owned, benefits like discounted insurance rates are part of what your membership earns you. You are not a customer here. You are an owner.

According to the National Credit Union Administration (NCUA), credit union members collectively save billions of dollars per year compared to bank customers through lower fees and better rates on products and services. Insurance benefits are one more way that membership pays off.

How Does TruStage Insurance Work for PDCU Members?

TruStage is the insurance arm of CUNA Mutual Group, and it was built specifically for credit union members. Here is how it works:

  1. Visit the TruStage site through PDCU’s member portal or call for a quote. Coverage is available online and most plans can be set up quickly.
  2. Claims are handled 24 hours a day, seven days a week.
  3. Rates reflect group pricing tied to your credit union membership, not your individual negotiating position. TruStage has served credit union members for more than 80 years and is used by over 20 million members nationwide.

What Should Michigan Residents Know About Insurance?

Michigan is one of the most expensive states in the country for auto insurance. The state’s no-fault insurance law requires personal injury protection (PIP) coverage, which has historically driven rates higher than the national average. Shopping your rate through a group program like TruStage can make a meaningful difference.

The Michigan Department of Insurance and Financial Services (DIFS) recommends comparing at least three quotes before selecting an auto policy. Starting with a member-benefit program is a smart first step because your baseline rate reflects group pricing.

For home insurance, Michigan homeowners face risks from severe weather including ice storms, flooding, and wind damage. A standard homeowners policy may not cover all flood-related losses, so it is worth asking your TruStage representative what your policy includes and whether supplemental coverage makes sense for your area.

Ready to See Your Rate?

Visit the insurance page for each coverage type below, or contact a PDCU branch to get started. The quote process happens directly through TruStage so you get the most accurate pricing for your situation.

Check Your Rate

Disclosures

Insurance products are not deposits, obligations of, or guaranteed by People Driven Credit Union and are not insured by the National Credit Union Association (NCUA), the National Credit Union Share Insurance Fund (NCUSIF), or any other agency of the United States or People Driven Credit Union. Any insurance required as a condition of an extension of credit by People Driven Credit Union need not be purchased from the People Driven Credit Union’s insurance agency. Insurance may be purchased from a licensed insurance company of your choice.