COVID-19 Update 3/30

Q&A with Renee DeMarco CEO

Question: We have had a few calls about the safety of our member’s money, Can you tell me how the member’s deposits are insured?

Renee: People Driven Credit Union was started over 90 years ago and is recognized as a strongly capitalized financial institution. We are proud to be an essential business and offer a safe place for member’s deposits. The NCUA (National Credit Union Administration) federally insures funds up to $250,000 and backed by the full faith & credit of the United States government.

Question: What do members need to know about federal payments usually made on the first and third of the month?

Renee: Most of our lobby transactions normally happen between the first and fifth. While our lobbies are now closed, we are providing enhanced service through:

Drive-thru (to save time Print your deposit slip at home)
Phone (248)263-4100
Mobile banking and other online services

The majority of transactions we are seeing are deposits and withdrawals. We know many members request checks and money orders to pay their bills. While this is a service we don’t usually offer in our drive-thru’s we will be making an exception while our lobbies are closed. Members WILL be able to get checks and money orders through the drive-thru.

We expect the drive-thru wait times to be longer than usual, I would like to ask that our members have patience as we work to serve all of our member’s needs.

Here are 3 things that you can do to help:

Have your transaction slips filled out before getting to the window. (Download)
Avoid the drive-thru completely by using our ATM for deposits, withdrawals and balance inquiries.
Or use our online banking and mobile app. Remember you can deposit checks through our mobile app.

Question: What are we doing to promote the safety of our staff and members.

Renee: People Driven Credit Union takes the safety of our staff and our members very seriously and was on top of this issue long before the state mandates. We are equipped with the supplies recommended for minimizing the risk of spreading the virus. (More from the CDC)

Staff regularly disinfects surfaces throughout the day
Actively following strong social distancing practices
Educating staff, urging them to stay safe always

COVID-19 Update 3/23

What the Michigan shelter in place order means for our membership.

Dear People Driven Credit Union Family,

We find ourselves in extraordinary circumstances, coming together to ensure the health and safety of our families, neighbors, and members as the COVID-19 pandemic continues to escalate. The health and safety of our team and our members is our top priority.

The governor recently issued orders directing all non-essential businesses to close in an attempt to slow down the spread of the coronavirus. Being a financial institution, People Driven Credit Union is considered an essential business. As such we will remain open to service our membership during this crisis. We are considered an essential business and will remain open, we will continue to follow guidelines and recommendations from the CDC.

We will maintain normal drive-thru hours:

Monday – Thursday: 9:00 a.m. to 5:00 p.m.

Friday: 9:00 a.m to 6:00 p.m.

Saturday 9:30 am – 1:00 pm

Remember to use all of our digital options, including:

Speak with us via phone (248) 263-4100
Use one of nearly 30,000 CO-OP ATM’s nation-wide free of charge
Use your debit and credit cards as usual
Log in 24/7 to your account via personal computer or smartphone
Deposit checks via remote deposit capture on your smartphone (Video)

Along with our regular services, I want to remind you that your People Driven Credit Union funds are Federally insured by the National Credit Union Administration (NCUA).

We will keep you posted on any new developments.

As always; Stay calm, stay safe, and most importantly, please stay home as much as you can!

Renee DeMarco

CEO & President

Lobbies Closed & Regular Drive-Thru Hours

Monday – Thursday 9 am – 5 pm

Friday 9 am – 6 pm

Saturday 9:30 am – 1 pm

What you can do online:

Disputes
Wire Transfers
Loan Applications
Membership Applications
Transfer Money
Transaction History
View Past Statements
Mobile Deposits

Additional Drive-Thru Services:

Money Orders
Loan Checks
Make Loan Payments
Corporate Drafts
Cash withdrawal limits $2,500

COVID-19 Update 3/17

A message from the Board of Directors of People Driven Credit Union

March 17, 2020

Dear Valued Members,

This is an unprecedented time for all of us and we wanted to share with you the measures we are taking regarding the Coronavirus (COVID-19).

Your health and safety are our top priorities and at the heart of every decision, we make. We believe it’s critical to do our part to help reduce the transmission of COVID-19. Here are some of the steps we are taking to protect everyone in this ever-evolving situation.

Branch lobbies have been closed until further notice. Contact center and drive-thru hours have been expanded to ensure we are available to assist you when you need us.
We have developed loan and payment assistance programs. You may be experiencing financial hardship, we are here to help. Our team is ready to create a plan with solutions to fit your situation.
We are diligently following guidelines and best practices from the Center for Disease Control and Prevention (CDC).
Across all of our branches, we have increased our daily cleaning routines, including more frequent hand washing, and sanitation of equipment.

For a number of weeks now, People Driven Credit Union has been following our business continuity plan to ensure that access to funds and services remains certain. We have secure systems in place to allow essential functions to be performed remotely in order to avoid interruption to member services. Your deposits are insured through the National Credit Union Administration (NCUA); you can be confident that your money will always be here for you when you need it.

While the environment around us is uncertain, we take comfort in the fact that we have an exceptional team and a strong supportive community. We remain prepared to serve and hope that our website, apps and social channels can be a source of support and solutions for you. As always, we value your credit union membership and look forward to serving all of your financial needs.

Regards,

Renee DeMarco

President/CEO

Claudia Hunter

Board Chairperson

We are continuing to implement measures as recommended by the Centers for Disease Control and Prevention (CDC) in addition to our own health and hygiene protocols.
Renee DeMarco CEO of People Driven Credit Union

Centers for Disease Control

Occupational Safety & Health Administration (OSHA)

State of Michigan

Scam information

World Health Organization (WHO)

Occupational Safety & Health Administration (OSHA)

People Driven Credit Union will continue to employ rigorous sanitation standards including:

Ongoing training for associates on maintaining a safe workplace
Specified intervals for disinfection of important areas
Accessible hand washing and sanitized work stations

People Driven Credit Union members have access to many remote services available 24/7 including:

If you have been impacted by COVID-19 and find yourself facing financial difficulties, we encourage you to reach out to us to discuss how we might be of assistance.
248-263-4100

COVID-19 Update 3/13

People Driven Credit Union’s Continuity Measures

For a number of weeks now, People Driven Credit Union has been following our continuity plan to ensure that the access to funds and services remains certain. Member’s deposits remain guaranteed by the NCUA and full faith of the United States of America.

People Driven Credit Union has secure systems in place to allow essential functions to be performed remotely in order to avoid interruption to member services.

The National Credit Union Administration (NCUA) requires continuity plans to be practiced consistently for this type of challenge by all credit unions. We have been following this plan from the beginning and will continue to do so moving forward.

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Calculator Disclaimer Vehicle Loan Rate

The monthly payment at 3.240% APR for a term vehicle loan of 60 months would require payments of approximately $18.08/month, per $1,000 borrowed, based on 30 days to first payment. APR=Annual Percentage Rate, subject to change. Rate is based on individual credit worthiness and term of loan. 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.

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However, I have voluntarily agreed that such reports can be released to creditor so that it will consider my credit application, extension of credit, or with respect to any extension or modification of existing credit.

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I hereby release creditor, including its employees, agents or representatives from any and all liability for furnishing such information. I also release creditor from any and all liability for conducting such an investigation. A photocopy, scan or facsimile copy of this Authorization and Release be treated as though it were the original.
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- Boat Loan
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- Certificate of Deposit or Money Market
Loan Amount Requested (if applicable)
Name
First Last
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Street Address Address Line 2 City State ZIP Country
Email
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I agree to the privacy policy listed on this website
Please fill out the fields in the form below. One of our representatives will contact you within one business day to complete the process.

This form supports the maximum level of encryption technology your browser allows, up to 256-bit SSL encryption to protect your personal information while it is in transit. Please view our Privacy Policy for more information.

AUTHORIZATION AND RELEASE TO
OBTAIN PERSONAL CREDIT INFORMATION
By checking accept you hereby authorizes People Driven Credit Union to obtain “consumer reports” and/or “investigative consumer reports” about me from any consumer reporting agency and/or bureaus, including commercial credit agencies or bureaus, that creditor may
chose to use and to consider such reports when making any credit decisions regarding my credit application, extension of credit, or with respect to any extension or modification of existing credit.

I acknowledge that as an individual there are various Federal and/or State laws such as the “Fair Credit Reporting Act” that control the issuance or use of “consumer reports” and/or “investigative consumer reports” by creditor. I understand that I am not obligated to provide creditor this
authorization to review such “consumer reports” and/or “investigative consumer reports”.

However, I have voluntarily agreed that such reports can be released to creditor so that it will consider my credit application, extension of credit, or with respect to any extension or modification of existing credit.

I hereby authorizes People Drivne Credi Union to procure an
investigation, or cause an investigation to be procured, for credit evaluation purposes, whether or not subject to the Fair Credit Reporting Act. I authorize, without reservation, any person or entity contacted by creditor or anyone acting on its behalf, to furnish information regarding verification of my social security number, education, military record, motor vehicle reports, credit history, financial account balance and history, professional licensures, public records, criminal record and/or employment references.

I hereby release creditor, including its employees, agents or representatives from any and all liability for furnishing such information. I also release creditor from any and all liability for conducting such an investigation. A photocopy, scan or facsimile copy of this Authorization and Release be treated as though it were the original.
Name
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Quick Inquiry Membership

I'm Interested in...*
- New Checking / Savings Account
- Rewards Credit Card
- Auto Loan
- Personal Loan
- RV / Motorcycle
- Boat Loan
- Mortgage
- Certificate of Deposit or Money Market
Loan Amount Requested (if applicable)
Name
First Last
Address
Street Address Address Line 2 City State ZIP Country
Email
Phone
Are you a Member of People Driven Credit Union?*
Notes*
Full Demonstrable Consent*
I agree to the privacy policy listed on this website
Please fill out the fields in the form below. One of our representatives will contact you within one business day to complete the process.

This form supports the maximum level of encryption technology your browser allows, up to 256-bit SSL encryption to protect your personal information while it is in transit. Please view our Privacy Policy for more information.

AUTHORIZATION AND RELEASE TO
OBTAIN PERSONAL CREDIT INFORMATION
By checking accept you hereby authorizes People Driven Credit Union to obtain “consumer reports” and/or “investigative consumer reports” about me from any consumer reporting agency and/or bureaus, including commercial credit agencies or bureaus, that creditor may
chose to use and to consider such reports when making any credit decisions regarding my credit application, extension of credit, or with respect to any extension or modification of existing credit.

I acknowledge that as an individual there are various Federal and/or State laws such as the “Fair Credit Reporting Act” that control the issuance or use of “consumer reports” and/or “investigative consumer reports” by creditor. I understand that I am not obligated to provide creditor this
authorization to review such “consumer reports” and/or “investigative consumer reports”.

However, I have voluntarily agreed that such reports can be released to creditor so that it will consider my credit application, extension of credit, or with respect to any extension or modification of existing credit.

I hereby authorizes People Drivne Credi Union to procure an
investigation, or cause an investigation to be procured, for credit evaluation purposes, whether or not subject to the Fair Credit Reporting Act. I authorize, without reservation, any person or entity contacted by creditor or anyone acting on its behalf, to furnish information regarding verification of my social security number, education, military record, motor vehicle reports, credit history, financial account balance and history, professional licensures, public records, criminal record and/or employment references.

I hereby release creditor, including its employees, agents or representatives from any and all liability for furnishing such information. I also release creditor from any and all liability for conducting such an investigation. A photocopy, scan or facsimile copy of this Authorization and Release be treated as though it were the original.
Email
This field is for validation purposes and should be left unchanged.

Calculator Disclaimer Personal Loan Rate

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.

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Coronavirus Action Plan

COVID-19 Update 3/30

Q&A with Renee DeMarco CEO

COVID-19 Update 3/23

What the Michigan shelter in place order means for our membership.

Lobbies Closed & Regular Drive-Thru Hours

Monday – Thursday 9 am – 5 pm

Friday 9 am – 6 pm

Saturday 9:30 am – 1 pm

What you can do online:

Additional Drive-Thru Services:

COVID-19 Update 3/17

A message from the Board of Directors of People Driven Credit Union

We are continuing to implement measures as recommended by the Centers for Disease Control and Prevention (CDC) in addition to our own health and hygiene protocols.

Centers for Disease Control

Occupational Safety & Health Administration (OSHA)

State of Michigan

State of Michigan

Scam information

World Health Organization (WHO)

Occupational Safety & Health Administration (OSHA)

People Driven Credit Union will continue to employ rigorous sanitation standards including:

People Driven Credit Union members have access to many remote services available 24/7 including:

If you have been impacted by COVID-19 and find yourself facing financial difficulties, we encourage you to reach out to us to discuss how we might be of assistance.

COVID-19 Update 3/13

People Driven Credit Union’s Continuity Measures

Locations

Find a Branch or ATM

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Drive-Thru Hours

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