What Are Your Financial Goals?
People Driven Credit Union Account Options
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Member Perks
Join a cooperative that puts your financial well-being over profits. Discover membership perks now.
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24/7 Banking
Simplify your finances with secure, cutting-edge digital banking. Discover how it works
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Safe and Sound
Advanced safeguards protect your information and block fraud. See how we defend your privacy
People Driven Credit Union’s roots in Detroit date back to 1928 when it was founded as a safe harbor during a time of financial crisis. Today, we remain committed to providing a secure and supportive experience to our members throughout Michigan. As we look towards our second century of doing business, we plan to grow right along with you, your family, and your small business!
Account Options
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Savings Accounts
Your $5 deposit gives you a share in the credit union and allows you to used all of our great services.
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Checking Accounts
Opening a checking account with PDCU is the first step towards simplifying your banking experience.
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Money Market
Grow your savings without sacrificing access to your funds.
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Investment Accounts
A safe and reliable way to grow your savings.
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Youth Accounts
Empower your children with smart money habits from an early age by opening a PDCU Youth Account.
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CDs
Build your savings with a Certificate of Deposit—lock in a fixed rate for a set term and let your money do the work.
PDCUpay Powered by Payrailz
Send Money Fast—Right From the MyPDCU App
Say hello to PDCUpay, our new way to move money with ease. It’s designed to make sending money simple and secure—whether you’re paying a friend back, splitting a bill, or sending funds to family.
Get the details on how PDCUpay works, what you’ll need to get started, and how to begin using it inside the MyPDCU app.
Save to Win® + Round Up to Win
Build Your Savings (and Get Chances to Win Cash Prizes)
Saving money is a good habit. It’s also… not exactly a thrill ride. Save to Win® rewards the habit of saving with chances to win cash prizes—without putting your savings at risk.
When you build your balance in qualifying increments, you earn entries into monthly, quarterly, and annual prize drawings. For the Save to Win® Savings Account, entries are earned for every $25 increase in your balance (up to 100 entries per month).
And yes—your savings are still your savings. There’s no fee to participate, and your money isn’t “spent” to enter.
What Our Members Say
About Our Financial Services
“We are very grateful for the service that was provided as members of People Driven Credit Union!”
“We recently had a death in the family, The Team at PDCU was kind, caring and emphatic.”
“Staff are friendly and helpful, not just at one branch, but ALL branches.”
People Driven Credit Union Loan Options
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Rates
Check our current rates and see how PDCU can make borrowing easy and affordable.
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Loan Rate Discount¹
¹Take advantage of a 0.25% discount when you enroll in autopay.
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PD Quick Cash
Members who qualify can apply and receive up to $2,000 in minutes.
The money you need, when you need it.
Life’s financial needs are diverse and ever-changing. Whether you’re planning a home renovation, consolidating debt, purchasing a vehicle, or building your credit, we offer a variety of loan options tailored to meet your unique needs. Our commitment to competitive rates, flexible terms, and personalized service ensures you have the support and resources you need to achieve your financial goals.
Loan Options
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Personal Loans
Secured and unsecured, debt consolidation, personal lines of credit, credit cards, and PD Quick Cash loans.
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Vehicle Loans
Financing options for cars, trucks, SUVs, motorcycles, boats, RVs, motor homes, campers, ATVs and snowmobiles.
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Home Equity Loans
Use the equity in your home to capitalize on a lower rate. Explore Fixed-Term Home Equity Loans and HELOCs.
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Mortgage Loans
Personalized service, competitive rates, and flexible financing options tailored to your needs.
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Rewards Credit Card
Earn points with every dollar you spend, and reward yourself with great merchandise, travel, and cash back!
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PD Quick Cash
Handle life’s “right now” expenses with PD Quick Cash—an easy way to access funds in minutes.
2026 Auto Loan Special
Lock In a Rate as Low as 5.24% APR* for up to 72 Months
Shopping for a new or used vehicle? The 2026 Auto Loan Special can help you finance with confidence—plus keep more of your money where it belongs (in your account, not disappearing into “mystery fees” and high interest).
Explore the details, see what you may qualify for, and take the next step toward a smoother car-buying experience.
View the 2026 Auto Loan Special
Valentine’s Day Loan Special
Valentine’s Day is sweet. The price tag? Sometimes not.
From January 30–February 28, 2026, PDCU offers Valentine’s Day Loan options up to $2,000.
Qualifying members in good standing may be eligible for the PD Quick Cash Valentine’s Day Loan Special with $1,000+ in monthly direct deposits for the past 6 months. Not eligible? You can still apply for our standard Valentine’s Day Loan option.
Membership/eligibility requirements apply. Loans subject to approval. Terms may vary.
Financial Help Is Here
People Driven Credit Union Membership
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Member Services
A diverse array of resources to help you achieve your financial goals.
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Member Rewards
Access to exclusive Member Rewards designed to save you money.
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About PDCU
Everything you need to know about People Driven Credit Union.
From financial planning and insurance solutions to debt and credit counseling, financial calculators, credit card assistance, and the convenient PD Quick Cash program, we offer a diverse array of resources to help you achieve your financial goals. Whether you’re seeking guidance on managing debt, planning for the future, or navigating unexpected financial challenges, our team is here to provide expert support and guidance every step of the way. Explore our Member Services today and discover how People Driven Credit Union can help you thrive financially.
Learn More About Our Services
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Digital Banking
The MyPDCU app and online banking portal are the tools to bank anytime, anywhere.
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Security Center
PDCU is dedicated to helping our members safeguard against banking fraud.
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Financial Planning
Exclusive access to professional financial planning services through Osaic FA.
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Debt Counseling
Free financial counseling, guidance, and educational resources.
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Insurance Services
Coverage options that help protect what matters most—auto, home, and more—through trusted partners.
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Tax Prep Services
Save on trusted tax prep tools and expert help with exclusive member discounts through our partner offers.
New Interactive Teller Machines (ITMs)
More Than an ATM—Get Teller Help Without Stepping Inside
Meet the next step in convenient banking: our new Interactive Teller Machines (ITMs). With an ITM, you can handle everyday transactions and still talk to a live teller when you need help—right on the screen.
It’s the best of both worlds: the speed of self-service with the comfort of real, human support (because some things should never be “press 9 and hope for the best”).
Financial Lessons from Black Leaders
Timeless Money Wisdom Worth Keeping (and Using Today)
Great financial advice doesn’t expire—it gets passed down. In our “Financial Lessons from Black Leaders” blog post, you’ll find practical takeaways on building wealth, staying disciplined, and making money decisions with purpose.
Whether you’re starting from scratch or tightening up your plan, these lessons can help you think long-term, spend smarter, and keep your goals front and center—without the gimmicks.
Why Join People Driven Credit Union?
At PDCU, we pride ourselves on our personalized customer service and community-oriented focus. Unlike at a traditional bank, you have a voice in our organization’s decisions, which means you have a say in how PDCU is run. We offer lower interest rates on loans and higher interest rates on savings accounts for our members, ensuring you get more value for your money.
What Carla Loves About PDCU
How People Driven Credit Union raised my credit score 48 points in less than a month.
Hi, I’m Carla, a proud member of People Driven Credit Union and an accounting clerk here. Recently, I embarked on a journey to purchase my first home. I knew my credit score needed some improvement, so I reached out to Julia from our loan team for guidance. With her advice, I consolidated my credit card debt and high-interest loans through a……Read More
News and Information Members Can Use
Financial Lessons from Black Leaders
Building wealth isn’t just about earning more; it’s about building something that still stands a......Read More
2026 Auto Loan Special
Car shopping is exciting… right up until you start talking financing. That’s where we come......Read More
5 Ways to Save Money Every Month
Saving money every month doesn’t require a spreadsheet obsession or a “no fun allowed” lifestyle.......Read More
Need a Little Extra for Valentine’s Day? Here Are Your Options
Valentine’s Day is supposed to be sweet, not a surprise attack on your checking account.......Read More
Disclosures
Savings Rate Disclosures
People Driven Credit Union savings are federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government. Rates are effective as of today and are subject to change at any time. Penalties apply for early withdrawal. View our Privacy Policy and read our disclaimer regarding links to other sites.
²APY = Annual Percentage Yield. APY is a standardized measure of the total interest earned on a deposit account over one year, based on the interest rate and the frequency of compounding. APY assumes that interest remains on deposit until maturity. Early withdrawals and applicable fees may reduce earnings. Rates are effective as of 12/12/2025 and are subject to change at any time without notice.
Loan Rate Disclosures
¹Special Loan Rate Discount: You can benefit from a 0.25% rate reduction simply by enrolling in our AutoPay service. This discount is already reflected in the “as low as” rate we advertise. To qualify, you must have Direct Deposit (from payroll, Social Security, or retirement income) and AutoPay set up from a People Driven Credit Union checking or savings account.
*APR = Annual Percentage Rate. Your actual APR and loan terms depend on credit approval and may vary based on creditworthiness, loan amount, and collateral type, value, age, and condition, if applicable. All rates are current as of today but are subject to change without notice.
Payment Example: Borrowing $1,000 at 6.55% APR for 60 months would result in monthly payments of approximately $20.00.
