Triple the Chances to Win Big!
At People Driven Credit Union, we believe saving money should be exciting and rewarding. For that reason, we offer three unique programs designed to help you build your savings while also giving you the chance to win fantastic cash prizes. Regardless you’re just starting out or ready to grow your savings faster, choose a Save To Win® Certificate, open a Save To Win® Savings Account, or enroll in Round Up To Win. Each option provides a fun and easy way to grow your savings and increase your chances to win. In fact, the more you save, the better your chances become!
1. Save To Win® Certificate
Save, Earn Interest, and Win!
With our Save To Win® Certificate, you can earn 2.70% APY² on your savings while entering for a chance to win monthly, quarterly, and annual cash prizes. Once you’ve saved $25 in your certificate of deposit, you earn one entry into the prize drawings. The more you save, the better your chances to win!
- APY: 2.70% APY²
- Minimum Deposit: $25
- Monthly, Quarterly, and Annual Prizes: $25, $50, $100, $1,000, and more!
2. Savings Account Save To Win®
Saving Made Simple and Fun
Our Save To Win® Savings Account allows you to save while earning 0.01% APY². When you add $25 to your account, you earn one entry for a chance to win. Additionally, with Round Up To Win, you can automatically round up your everyday debit card purchases. That extra change goes straight into your account, boosting your savings and giving you even more chances to win.
- APY: 0.01% APY²
- Minimum Deposit: $0
- Prizes: Monthly, Quarterly, and Annual drawings
3. Round Up To Win
Make Every Purchase Work for You
With Round Up To Win, saving has never been easier. Just link your debit card and automatically round up each purchase to the nearest dollar. As you spend, we round up your purchases and move the spare change into your Save To Win® Savings Account. As soon as your round-ups reach $25, you earn an entry into the prize drawings. It’s an effortless way to save and win!
- No effort required: Automatically round up every purchase.
- Earn entries for every $25 saved.
- Win prizes: Monthly, quarterly, and annual cash rewards.
Why Choose All Three?
When you combine the power of all three programs, you get the best of both worlds: high-interest savings, automatic round-ups, and the excitement of cash prize drawings. Here’s why you should consider joining all three programs:
- Maximize Your Savings: Not only does your money grow steadily with interest, but even better, you also earn chances to win big as you save.
Earn More Entries: From making deposits to saving regularly and even rounding up your purchases, every action increases your chances to win. - No Risk, All Reward: You can’t lose, just save and win!
Start Your Journey Today!
Ready to start saving and winning? You can easily enroll in all three programs today. Be it your first step or your next smart move toward saving more a Save To Win® Certificate, create a Save To Win® Savings Account, or sign up for Round Up To Win, it’s simple to get started.
Save To Win® Options
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Savings Accounts Save To Win®
Every increment of $25 deposited into a Save To Win® Savings Accounts earns an additional entry into monthly, quarterly, and yearly cash raffle drawings.
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Save To Win® CDs
Each $25 Save To Win® Certificate of Deposit opened, earns an additional entry into monthly, quarterly, and yearly cash raffle drawings.
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Round Up To Win
Round up your debit card purchases to add funds to your Save To Win® Savings Account automatically.
Compare Save to Win® options
Each Save to Win® option can help you save, but the best choice depends on how you want to build your balance.
| Option | Best For | How Entries Are Earned | Get Started |
|---|---|---|---|
| Save to Win® Savings Account | Flexible saving with access to your funds | Earn one entry for each qualifying $25 increase in your account balance | Learn about Save to Win® Savings |
| Save to Win® Certificate | Saving for a 1-year term with a low $25 minimum deposit | Earn one entry for each qualifying $25 increase in your certificate balance | Learn about Save to Win® Certificates |
| Round Up To Win | Saving automatically from everyday debit card purchases | Round-ups are deposited into your Save to Win® Savings Account. Each qualifying $25 saved can earn one entry. | Learn about Round Up To Win |
How Save to Win® works
Save to Win® rewards the habit of saving. As you add money to a qualifying Save to Win® account, eligible $25 balance increases can earn entries into cash prize drawings.
Round Up To Win can also help you save automatically by rounding up eligible debit card purchases and moving the extra change into your Save to Win® Savings Account. Once those round-ups reach $25, you can earn an entry, subject to the official rules.
- Earn one entry for each qualifying $25 increase
- Earn up to 100 entries per month
- Prize drawings may include monthly, quarterly, and annual drawings
- Winners are randomly selected from eligible entries
- No prize is guaranteed
Save to Win® Savings Account
A Save to Win® Savings Account is a flexible savings account that helps you build savings while earning entries into cash prize drawings. It can be opened with $0, and each qualifying $25 balance increase can earn one entry, subject to the official rules.
- $0 minimum opening deposit
- Earns 0.01% APY
- Earn one entry for each qualifying $25 balance increase
- Monthly, quarterly, and annual prize drawings may apply
- Good for flexible savings and ongoing deposits
Save to Win® Certificate
A Save to Win® Certificate is a 1-year certificate of deposit that helps you set money aside while earning dividends and entries into cash prize drawings. It can be opened with as little as $25.
- 1-year certificate term
- $25 minimum opening deposit
- Current APY: 2.70%
- Earn one entry for each qualifying $25 balance increase
- Early withdrawal penalties may apply and may reduce earnings
Round Up To Win
Round Up To Win helps you save automatically when you use your PDCU debit card. Eligible purchases are rounded up to the nearest dollar, and the extra change is deposited into your Save to Win® Savings Account.
Once your round-ups reach a qualifying $25 increase, you can earn an entry into Save to Win® prize drawings, subject to the official rules.
- Automatically round up eligible debit card purchases
- Move the extra change into your Save to Win® Savings Account
- Earn entries when round-ups reach qualifying $25 increases
- Good for members who want to save without thinking about it
To enroll in Round Up To Win, call 844-700-7328 or visit a PDCU branch.
Which Save to Win® option should you choose?
The right option depends on how you prefer to save.
- Choose a Save to Win® Savings Account if you want flexible access and the ability to add money over time.
- Choose a Save to Win® Certificate if you want to set money aside for a 1-year term while earning dividends.
- Choose Round Up To Win if you want everyday debit card purchases to help build your savings automatically.
You can also use more than one Save to Win® option if it fits your savings goals and eligibility requirements.
Prize drawings and official rules
Save to Win® prize drawings may include monthly, quarterly, and annual cash prizes. Winners are randomly selected from eligible entries.
Prize amounts, entry limits, eligibility, drawing details, and account requirements are governed by the official Save to Win® rules. Review the official rules before participating.
Membership and account protection
Save to Win® options are available to qualifying People Driven Credit Union members who meet program eligibility requirements. Members must be at least 18 years old and reside in a state where prize-linked savings is permitted.
Membership is open to those who live, work, worship, or attend school in Michigan, plus relatives of current members. A $5 Membership Share Savings deposit establishes membership. Membership and eligibility requirements apply. Approval is subject to application.
Your savings are federally insured by the National Credit Union Administration, backed by the full faith and credit of the United States Government.
How to get started
Current PDCU members can open a Save to Win® Savings Account, open a Save to Win® Certificate, or enroll in Round Up To Win.
New to PDCU? You will need to become a member before opening a Save to Win® account or certificate. Membership and eligibility requirements apply.
Frequently asked questions
Save to Win® is a prize-linked savings program that helps eligible members build savings while earning entries into cash prize drawings through qualifying deposits.
People Driven Credit Union offers a Save to Win® Savings Account, a Save to Win® Certificate, and Round Up To Win.
You earn one entry for each qualifying $25 increase in your Save to Win® account or certificate balance. With Round Up To Win, eligible debit card purchase round-ups are deposited into your Save to Win® Savings Account, and each qualifying $25 saved can earn one entry.
Eligible members can earn up to 100 entries per month, subject to the official Save to Win® rules.
Yes. Eligible members may be able to use more than one Save to Win® option, such as opening a Save to Win® Savings Account, opening a Save to Win® Certificate, and enrolling in Round Up To Win.
The Save to Win® Savings Account is designed for flexible saving and ongoing deposits. The Save to Win® Certificate is a 1-year certificate with a $25 minimum opening deposit. Early withdrawal penalties may apply to certificates and may reduce earnings.
Round Up To Win rounds eligible PDCU debit card purchases to the nearest dollar and deposits the extra change into your Save to Win® Savings Account. Once the round-ups reach a qualifying $25 increase, you can earn an entry into prize drawings, subject to the official rules.
There is no fee to participate in the Save to Win® Savings Account program. Review the account terms, certificate terms, fee schedule, and official rules for full details.
No. Winners are randomly selected from eligible entries. Earning entries does not guarantee that you will win a prize.
Save to Win® is available to eligible PDCU 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. See the official rules for complete details.
Yes. People Driven Credit Union deposit accounts are federally insured by the National Credit Union Administration, backed by the full faith and credit of the United States Government.
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.
