--- title: "People Driven Credit Union Rates: CDs to 4.25%, Vehicle 5.74%" description: "People Driven Credit Union rates today: mortgage 2.85% APR, vehicle loans from 5.74% APR, savings & CDs up to 4.25% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join People Driven Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/people-driven" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # People Driven Credit Union Rates: CDs to 4.25%, Vehicle 5.74% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **1 Yr SuperJumbo** other | 2.850% APR | 2.820% | — | Standard | People Driven Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Auto Loan** auto_any_36mo | — APR | 4.740% | 36 mo | Standard | | **36-Month Auto Loan** auto_any_36mo | 5.740% APR | 4.740% | 36 mo | Standard | | **See what fits: compare auto loan rates & terms (APR* as low as¹)** auto | — APR | 5.740% | — | Standard | | **Auto Loan** auto | — APR | 6.750% | — | Standard | | **Auto Loan** auto | — APR | 8.740% | — | Standard | | **RV Loan** rv | — APR | 8.940% | — | Standard | People Driven Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 4.740% | — | Standard | | **Home Equity Loan** heloc | — APR | 6.750% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.750% | — | Standard | | **2026 Home Equity Special (APR* as low as)** heloc | — APR | 7.800% | — | Standard | | **See what fits: compare home equity loan rates & terms (APR* as low as)** heloc_fixed | — APR | 7.800% | — | Standard | People Driven Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 4.740% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 12.040% | — | Standard | People Driven Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 24 offers | Product | Published | Rate | Term / condition | Status | | **$100 And Over** savings | — APY | 0.01% | — | Standard | | **36-Month Certificate** cd_36mo | 2.25% APY | 2.23% | 36 mo | Standard | | **24-Month Certificate** cd_24mo | 2.25% APY | 2.23% | 24 mo | Standard | | **2 Year Jumbo** cd_24mo | 2.30% APY | 2.28% | 24 mo | Standard | | **3 Year Jumbo** cd_36mo | 2.30% APY | 2.28% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 2.48% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 2.50% APY | 2.48% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | 2.50% APY | 2.48% | 60 mo | Standard | | **4 Year Jumbo** cd_48mo | 2.55% APY | 2.53% | 48 mo | Standard | | **5 Year Jumbo** cd_60mo | 2.55% APY | 2.53% | 60 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 2.62% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | 2.65% APY | 2.62% | 6 mo | Standard | | **6 Month Jumbo** cd_6mo | 2.70% APY | 2.67% | 6 mo | Standard | | **1 Year Save to Win** cd_12mo | 2.70% APY | 2.67% | 12 mo | Standard | | **1 Year Youth (> $10,000)** cd_12mo | 2.75% APY | 2.72% | 12 mo | Eligibility restricted | | **12-Month Certificate** cd_12mo | 2.75% APY | 2.72% | 12 mo | Standard | | **1 Year Jumbo** cd_12mo | 2.80% APY | 2.77% | 12 mo | Standard | | **$10,000 And Above³** savings | — APY | 3.25% | — | Standard | | **Money Market** money_market | — APY | 3.25% | — | Standard | | **CDs** savings | — APY | 4.15% | — | Standard | | **CD Special - 9 mth** cd_9mo | 4.15% APY | 4.09% | 9 mo | Standard | | **CD Special - 16 mth** cd_16mo | 4.25% APY | 4.18% | 16 mo | Standard | | **1 Year Youth ( $10,000)** cd_12mo | 4.50% APY | 4.43% | 12 mo | Eligibility restricted | | **Savings & Loan Rates ($100 and over)** other | — APY | 0.01% | — | Standard | People Driven Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **APR* as low as¹** other | 5.740% % | 5.740% | — | Standard | | **APR* as low as** other | — % | 7.800% | — | Standard | People Driven Credit Union other rates as of November 12, 2026 As of November 12, 2026, People Driven Credit Union offers mortgage rates from 2.85% APR. Vehicle loans available from 5.74% APR for 36 months. Savings and certificate yields up to 4.25% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/people-driven) , verified from [People Driven Credit Union's official website](https://www.peopledrivencu.org/) Loading branch locator… ## About People Driven Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 25.2K Assets $514.8M Founded 1928 Locations reported 5 NCUA charter 61068 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Georgetown Kraft** Vital Records Site · Southfield · MI · 48034 About 2.5 miles away](https://rateapi.dev/credit-unions/south-carolina/georgetown-kraft) [**Vibe** Southfield · Southfield · MI · 48076 About 3.2 miles away](https://rateapi.dev/credit-unions/michigan/vibe) [**Community Financial** Detroit - Grand River · Detroit · MI · 48219-3147 About 3.3 miles away](https://rateapi.dev/credit-unions/michigan/community-financial) [**Credit Union One** CUO-Farmington · Farmington · MI · 48336-4236 About 3.4 miles away](https://rateapi.dev/credit-unions/michigan/credit-union-one) [**Construction** Main office · Bingham Farms · MI · 48025 About 3.7 miles away](https://rateapi.dev/credit-unions/michigan/construction) [**Zeal** Zeal Credit Union · Southfield · MI · 48075 About 3.8 miles away](https://rateapi.dev/credit-unions/michigan/zeal) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join People Driven Credit Union Membership eligibility from People Driven Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on People Driven Credit Union's website. Check the membership page below to confirm whether you qualify. - Location MI - Employer State, county, or local government, Tower Automotive, Ford Utica Trim Plant, U.S. federal government agencies, Ford Motor Company, Visteon Corporation - Association Red Carpet Club Verified from [People Driven Credit Union's membership page](https://www.peopledrivencu.org/about/membership/) . Final membership determination is always made by the credit union. ## Membership rules for People Driven Credit Union Geography 4 · Employers 11 · Associations · Family 5 21 published paths to membership, last verified August 27, 2026, quoted from People Driven Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - MI “People Driven Credit Union membership is open to everyone who lives in Michigan.” > [source ↗](https://www.peopledrivencu.org/about/membership/) ### Employers 11 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of State, county, or local government “State, county, or local government employees or retirees , including those working for political subdivisions based in Wayne, Oakland, or Macomb counties” > [source ↗](https://www.peopledrivencu.org/) - Employee of State, county, or local government - Employee of Tower Automotive “Tower Automotive employees in Plymouth, MI, and retirees from the Ford Utica Trim Plant” > [source ↗](https://www.peopledrivencu.org/) - Employee of Tower Automotive - Retired employee of Ford Utica Trim Plant “Tower Automotive employees in Plymouth, MI, and retirees from the Ford Utica Trim Plant” > [source ↗](https://www.peopledrivencu.org/) - Retiree of Ford Utica Trim Plant - Employee of U.S. federal government agencies - Works in state:MI “Employees or retirees of U.S. federal government agencies who reside, work, or report to an agency headquartered in Michigan” > [source ↗](https://www.peopledrivencu.org/) - Employee of U.S. federal government agencies and Works in MI - Employee of Ford Motor Company - Works in city:MI:wixom “Ford Motor Company and Visteon Corporation employees or retirees working in Rawsonville or Wixom, MI” > [source ↗](https://www.peopledrivencu.org/) - Employee of Ford Motor Company and Works in Wixom, MI - Employee of Visteon Corporation - Works in city:MI:wixom “Ford Motor Company and Visteon Corporation employees or retirees working in Rawsonville or Wixom, MI” > [source ↗](https://www.peopledrivencu.org/) - Employee of Visteon Corporation and Works in Wixom, MI - Employee of Ford Motor Company - Works in state:MI “Additionally, membership includes those previously employed at these Michigan companies and locations: Ford Motor Company” > [source ↗](https://www.peopledrivencu.org/) - Employee of Ford Motor Company and Works in MI - Retired employee of Ford Motor Company - Works in city:MI:wixom “Ford Motor Company and Visteon Corporation employees or retirees working in Rawsonville or Wixom, MI” > [source ↗](https://www.peopledrivencu.org/about/membership/) - Retiree of Ford Motor Company and Works in Wixom, MI - Retired employee of Visteon Corporation - Works in city:MI:wixom “Ford Motor Company and Visteon Corporation employees or retirees working in Rawsonville or Wixom, MI” > [source ↗](https://www.peopledrivencu.org/about/membership/) - Retiree of Visteon Corporation and Works in Wixom, MI - Employee of Ford Motor Company “Ford Motor Company” > [source ↗](https://www.peopledrivencu.org/about/membership/) - Employee of Ford Motor Company - Employee of Visteon Corporation “Visteon Corporation” > [source ↗](https://www.peopledrivencu.org/about/membership/) - Employee of Visteon Corporation ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Red Carpet Club “Members of the Red Carpet Club , a retirees’ association within Washtenaw, Oakland, Macomb, Monroe, or Wayne counties” > [source ↗](https://www.peopledrivencu.org/) - Member of Red Carpet Club ### Family 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse “Spouses of deceased members (provided they joined prior to remarriage)” > [source ↗](https://www.peopledrivencu.org/) - Family member (spouse) of a member - Family of a member relative “as well as relatives of current members.” > [source ↗](https://www.peopledrivencu.org/) - Family member (relative) of a member - Family of a member immediate family member “Immediate family members of eligible or current members” > [source ↗](https://www.peopledrivencu.org/) - Family member (immediate family member) of a member - Family of a member immediate family “Immediate family members of eligible or current members” > [source ↗](https://www.peopledrivencu.org/about/membership/) - Family member (immediate family) of a member - Family Of Deceased surviving spouse “Spouses of deceased members (provided they joined prior to remarriage)” > [source ↗](https://www.peopledrivencu.org/about/membership/) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for People Driven Credit Union? Yes No ## Work at People Driven Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where People Driven Credit Union ranks against Michigan peers. - See which AI assistants fetched People Driven Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=people-driven&state=michigan&code=MI&name=People%20Driven%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does People Driven Credit Union offer? People Driven Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are People Driven Credit Union rates updated? RateAPI verifies People Driven Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get People Driven Credit Union's rate data? Rate data is collected directly from People Driven Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is People Driven Credit Union's mortgage rate? As of November 12, 2026, People Driven Credit Union offers mortgage rates from 2.85% APR. ### What are People Driven Credit Union's auto & rv loan rates? As of November 12, 2026, People Driven Credit Union offers vehicle loans from 5.74% APR. ### What is People Driven Credit Union's best CD rate? As of November 12, 2026, People Driven Credit Union offers savings and certificate (CD) yields up to 4.25% APY. ### Who can join People Driven Credit Union? People Driven Credit Union publishes its membership criteria on its own website. RateAPI tracks 21 published membership paths covering 4 geographic areas, 11 employers and 1 association for People Driven Credit Union, each quoted from People Driven Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare People Driven Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.peopledrivencu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track People Driven Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for People Driven Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /people-driven " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## People Driven Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/people-driven Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp