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Investment Savings

Grow your savings with an account at People Driven Credit Union.

Grow Your Savings with Investment Savings Accounts

People Driven Credit Union offers a range of investment-focused savings accounts designed to help you maximize your financial growth. Whether you’re looking for the steady returns of a 9-month CD Special, the flexibility of Money Market IRAs, or the winning potential of our Save to Win Share Certificates, each account offers an Annual Percentage Yield (APY²) to support your financial goals. From High-Yield Money Market Accounts to secure IRA options, our investment savings accounts provide accessible ways to grow wealth and achieve future goals.

Exclusive Financial Planning Services for PDCU Members

Osaic FA logo.As a People Driven Credit Union member, you gain exclusive access to professional financial planning services through our partnership with Osaic FA. Whether you’re navigating investment options, planning for retirement, or seeking a roadmap to secure your family’s financial future, our financial professionals offer expert guidance tailored to your goals.

Meet Mary Prebish, your dedicated financial professional from Osaic FA, who, alongside our team, is here to help you develop a strategy for success. With expertise in fund selection, asset allocation, tax-efficient strategies, and retirement income planning, Mary is committed to helping you build and protect your wealth. Osaic FA’s team will work with you to assess your needs, stay on track, and adapt your plan as life evolves—ensuring your financial strategy is designed to support you today and into the future.

Learn more about financial planning.

Disclosures

People Driven Credit Union Savings Accounts are Federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government.

²APY=Annual Percentage Yield. Rates effective as of today and may change at any time. Penalties apply for early withdrawal. 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.

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Save to Win®

The Save to Win® Savings Account, Save to Win® Certificate of Deposit, and Round Up To Win are available to People Driven Credit Union members who are at least 18 years old and reside in a state where prize-linked savings is permitted. Eligibility requirements may vary based on state law.

Winners are randomly selected from eligible entries in monthly, quarterly, and annual drawings. Entries are automatically earned based on qualifying deposits, with a maximum of 100 entries per month, 300 entries per quarter, and 1,200 entries per year. No additional actions are required to participate. All decisions regarding the raffle and prizes are final.

Please refer to the official Save to Win® Savings Account rules for full details.

Membership Requirement:

All accounts and loans require membership at People Driven Credit Union. Membership is available to individuals who live, work, worship, or attend school in the State of Michigan, as well as relatives of current members. To complete an application for any account or loan, you will need the following information:
  • A valid Driver's License, State ID, or Passport with your current address
  • Your Social Security Number
A Membership Share Savings Account is required to establish membership at People Driven Credit Union. Your $5 deposit into this account secures your share in the credit union, giving you access to our full range of services and benefits. The Annual Percentage Yield (APY) for this account is 0.01%, and the minimum deposit is $5.00.