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The best things in life are free, we’re here for the other stuff.

People need money for home repairs, honeymoons, holiday gifts, travel, teacher supplies, or tuition. Hot water tanks, furnaces and furniture, doctor bills, and debt consolidation. Whatever the financial needs of your Michigan family, People Driven Credit Union has a low-cost personal loan that can make your life easy. Start Now! 

Frequently Asked Questions

In an effort to assist our members during the COVID-19 crisis, People Driven Credit Union is providing a Skip-a-Pay option to our Visa credit cardholders.   The skip-a-pay will apply to the member’s May and June payment.  If you are eligible, the following message will appear on the member statements that will be mailed in April:

YOU MAY SKIP THIS MONTH’S MINIMUM PAYMENT ON YOUR ACCOUNT, FINANCE CHARGES WILL CONTINUE TO ACCRUE.

Members that have been 30 days late 2 times in the last 12 months or 60 days late 1 time in the last 12 months, will not be eligible.

 
To request a skip-a-pay on a People Driven Credit Union mortgage, please contact your mortgage processor that is currently servicing the mortgage payments.  If your mortgage application was processed by:
  • Member First Mortgage call (866) 898-1818 OR contact a Payment Solution Specialist (248) 263-4100
  • TowneMortgage (formerly known as Americu) call (888) 778-9700
  • Mortgage Center call (800) 353-4449
Who do I contact about signing a loan that is in process? If you are already working with a Lending Specialist, they will be able to walk you through the process of signing your documents electronically. This can be done from within online banking. You can also reach out to us at (248)263-4100 and one of our specialists will be able to assist you.
 
Can I still apply for a loan? Yes. While we have made some adjustments to how we serve you, you can still apply for a loan or credit card online through our website.
I’m financially impacted by the Coronavirus and afraid I may not be able to make my next loan payment(s). What should I do? Rest assured, we’re in this together and we’re here for you. We will be here to provide the financial assistance you need. For starters, we’ve waived the fee on our Skip-A-Payment program, which allows members with eligible loans to skip up to two monthly loan payments so they can keep up with other financial responsibilities. You can complete our Skip-A-Payment form, complete the application in online banking under the services tab or by giving us a call at (248) 263-4100. Again, if you or your family are experiencing financial hardship because of the current public health situation, we can help, tell us what you need.

Will my online bill payment be posted as scheduled?
Yes. All online bill payments will be processed as scheduled.

Do I still have access to my funds if they come in through direct deposit? Yes. Your funds will be deposited as expected. You can access your funds via online banking, and the People Driven Credit Union app. You can withdraw cash at ATMs and through drive-thru service at local branch centers.
Who do I contact about card disputes and fraud?

Please call our Member Center and speak with a member of our team to dispute any charges or report fraudulent activity.

How do I get a replacement debit or credit card?
Give us a call at (248) 263-4100 and a member of our team will work with you to get a replacement card sent directly to you.

We have recently added debit card controls inside our phone app.  
How do I enroll in online banking?

Enrolling in online banking is a breeze. To get started, all you need is your member number and social security number. To enroll, click here.

Will my online bill payment be posted as scheduled?

Yes. All online bill payments will be processed as normal.
Is my money safe?

Yes! Your deposits are safe. Your deposits are insured through the National Credit Union Administration (NCUA), which means you can keep your money here with full confidence that it will always be here when you need it.

I need to withdraw cash. What are my options?

Rest assured, just because our branch lobbies are closed, does not mean you do not have access to your money. Your cash may be withdrawn via drive-thru lanes during our normal business hours and by ATM 24/7.  To find a surcharge-free ATM near you, click here.

How do I deposit cash?

You can make cash deposits via drive-thru lanes during our normal business hours and at the vast majority ATMs.

How do I deposit a check?

You can make check deposits via drive-thru lanes during our normal business hours, at ATMs and most conveniently via the mobile deposit feature of our mobile app. To learn more about a mobile deposit, click here.
Are People Driven Credit Union Branches staying open?

We will remain open to serve you by drive-thru only during normal business hours. You can call us with any questions at (248) 263-4100. (Our McNamara Branch is Temporarily closed)

When will People Driven Credit Union re-open branch lobbies?

As a community partner, we want to do our part to take care of our members. We plan to follow CDC guidelines and best practices as further information is available to us. At this time, we do not have an estimated date to re-open our lobbies. We’ll be sure to communicate this date/time as soon as we can!

Can I still open an account?

Absolutely. While we have made some adjustments to how we serve you at our branches, you can open an account at any time online.

 

 

 

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*Disclosures

Personal Loans offered by People Driven Credit Union. Your actual rate depends upon credit score, loan amount, loan term, and credit history. The APR ranges from 5.49% to 35.89%. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99.

The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The origination fee ranges from 1% to 6%; the average origination fee is 5.2% (as of 9/5/20 YTD). There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.PeopleDrivencu.org website.

Please review all our policy and disclosures page for more information

Put yourself in the driver’s seat with help from People Driven Credit Union.  Enjoy the added convenience of making your payments with Direct Deposit. * Use of a calculator tool is not a guarantee of credit. 

APR= Annual Percentage Rate