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Savings Rates
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Minimum Balance to Earn Dividend
Dividend Rate
APY²
$100 and over 0.010% 0.01% -
Term
Minimum Balance
Dividend Rate
APY²
CD Special - 9 mth $500 4.184% 4.25% CD Special - 16 mth $500 4.063% 4.13% 6 Month $500 2.624% 2.65% 6 Month Jumbo $25,000 2.673% 2.70% 1 Year $500 2.722% 2.75% 1 Year Jumbo $25,000 2.771% 2.80% 1 Yr SuperJumbo $100,000 2.820% 2.85% 1 Year Save to Win $25 2.673% 2.70% 1 Year Youth $25 4.426% 4.50% 2 Year $500 2.231% 2.25% 2 Year Jumbo $25,000 2.280% 2.30% 3 Year $500 2.231% 2.25% 3 Year Jumbo $25,000 2.280% 2.30% 4 Year $500 2.477% 2.50% 4 Year Jumbo $25,000 2.526% 2.55% 5 Year $500 2.477% 2.50% 5 Year Jumbo $25,000 2.526% 2.55% -
High Yield Money Market Account Rate
³New money required to qualify for this rate. Only new funds transferred from external sources to the credit union qualify for this promotion.
Minimum Deposit
Dividend/Interest Rate
APY²
$10,000 and above³ 3.953% 4.03% Money Market Plus & Escrow Savings Account Rates
³New money required to qualify for this rate. Only new funds transferred from external sources to the credit union qualify for this promotion.
Minimum Deposit
Dividend/Interest Rate
APY²
$1,000 to $2,499 0.349% 0.35% $2,500 to $9,999 0.499% 0.50% $10,000 to $24,999 0.598% 0.60% $25,000 to $49,999 1.094% 1.10% $50,000 to $99,999 1.144% 1.15% $100,000 to $249,999 1.243% 1.25% $250,000 and above 2.960% 3.00% -
³New money required to qualify for this rate. Only new funds transferred from external sources to the credit union qualify for this promotion.
Minimum Deposit
Dividend/Interest Rate
APY²
$1,000 to $4,999 0.349% 0.35% $5,000 to $24,999 0.499% 0.50% $25,000 and above 1.094% 1.10% -
³New money required to qualify for this rate. Only new funds transferred from external sources to the credit union qualify for this promotion.
Type
Minimum Deposit
Dividend/Interest Rate
APY²
Traditional $100 0.350% 0.35% Roth $100 0.350% 0.35% Educational $100 0.350% 0.35%
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Loan Rates
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Auto loan rates for new & 5 years or less used cars, trucks, SUVs, & vans:
Term
(Months)
≤36
37-48
49-60
61-72
APR*
as low as¹
5.64% 6.70% 6.70% 7.05% -
Auto loan rates for used cars, trucks, SUVs, & vans older than 5 years:
Term
(Months)
≤36
37-48
49-60
61-72
APR*
as low as¹
6.14% 7.15% 7.15% 7.50% Rebuilt & Salvage Title Auto Loan Rates: Add an additional 2% to the member’s qualifying rate for used vehicles above.
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For cars 26 Years or older. Must have appraisal by licensed appraiser.
Term
(Months)
≤36
37-48
49-60
61-72
APR*
as low as¹
8.14% 9.15% 9.15% 9.50% -
Loan and financing rates for motor homes, campers, boats, motorcycles, ATVs and snowmobiles. Add 1.00% to applicable rate on loans with collateral that is 11 to 15 years old. PDCU may consider doing a loan with collateral that is older than 15 years (on an exception basis only), in which case 2.00% would be added to applicable rate.
Term
(Months)
≤60
61-84
85-120
121-180
APR*
as low as¹
7.59% 8.70% 9.00% 9.55% -
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For 2nd homes add 2%, for investment properties add 2.5%
LTV <80% Term
(Months)
≤60
61-120
121-180
181-240
APR*
as low as¹
7.14% 7.55% 8.05% 8.30% LTV >80-90% Term
(Months)
≤60
61-120
121-180
181-240
APR*
as low as¹
7.64% 8.05% 8.55% 8.80% LTV >90-100% Term
(Months)
≤60
61-120
121-180
181-240
APR*
as low as¹
8.14% 8.55% 9.05% 9.30% -
For 2nd homes add 2%, for investment properties add 2.5%
LTV
(Months)
≤80%
>80-90%
>90-100%
APR*
as low as¹
7.50% 8.25% 9.00% Closing Fee
$275 $275 $275 Processing Fee
$200 $200 $200 Payment
Interest Only Interest Only Interest Only Minimum
$50 $50 $50 -
Term
(Months)
≤36
37-60
61-72
73-84
APR*
as low as¹
11.19% 13.20% 14.25% 15.25% -
Type
Minimum Payment
(Months)
APR*
(ODLOC)
Line of Credit/Overdraft Protection3% of Balance, $30 Mininum 14.20% -
Secured Loan
Max Term
(Months)
APR*
as low as
Share Covered 84 5.25% Credit Builder Loan (Max $2,000) 18 13.00% CD Secured Loan (No Money Market, IRA, or Club Accounts) 84 APY + 3.50% -
Card Type
Visa Rewards Driven Credit Card Minimum Payment
3% of Balance, $30 Minimum Term Rate (APR*)
as low as¹
13.75% Intro Rate (APR*)
First 6 Months
3.99%
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Savings & Loan Rates
Rates are effective as of today and are subject to change.
Disclosures
¹Special Loan Rate Discount: Benefit from a 0.25% reduction when enrolling in our AutoPay service and is included in the “as low as” rate advertised. The discount is available to those with Direct Deposit of payroll, social security, or retirement and AutoPay setup from a People Driven Credit Union checking or savings account.
²APY=Annual Percentage Yield. APY is based on the assumption that interest will remain in the account until maturity. Withdrawals and fees may reduce earnings. It may be discontinued or changed at any time. Early Withdrawal Penalty for fixed term certificates (CDs) and IRAs: Loss of 30 days interest for CDs with a term of 6 months or less. Loss of 90 days interest for CDs with a term greater than six months or equal to 12 months. Loss of 180 days interest for CDs with a term greater than 12 months.
The minimum to open six month CD is $500, maximum is $250,000. The minimum to open a Jumbo CD is $25,000.
³Only new funds transferred from external sources to the credit union qualify for this promotion.
*APR = Annual Percentage Rate: The actual APR and loan term is subject to approval and may be determined upon the borrower’s creditworthiness, the amount borrowed, and the type, value, age, and condition of the collateral offered to secure the loan (when applicable). Rates are effective as of today and are subject to change.
Payment Example: Monthly payments of $20.00 for each $1,000 borrowed at 6.55% APR for 60 months.
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. APR = Annual Percentage Rate. Rates effective as of today and may change at any time. Penalties apply for early withdrawal. View our Privacy Policy and read our disclaimer regarding links to other sites.
People Driven Credit Union is an Equal Housing Opportunity Lender NMLS #776727
All other trademarks are the property of their respective owners.
