PEOPLE DRIVEN

24333 LAHSER RD
Southfield, MI 48033

Notable Rates APY Vs.Others
Savings 0.03% 2.25% →
1-Year CD 0.75% 2.25% →
2-Year CD 1.20% 2.50% →
5-Year CD 1.85% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

People Driven is an NCUA insured institution located in Southfield, MI. It was founded in 1928 and has approximately $270.33 millions in assets.

Who can join?

Membership in Peoples Trust Credit Union is open to the following:

U.S. Government
Employees and pensioners of agencies of the U.S. who live or work in the State of Michigan, or who report to a federal agency headquarters located in the State of Michigan.

Any Government Employee in Macomb, Oakland or Wayne county
All state of Michigan, county, township, city and public school district employees in Wayne, Oakland and Macomb Counties are eligible to become members.

Anyone Who Lives, Works or Worships in Most of Wayne, Oakland, or Macomb Counties

Excluded are areas of southwestern Wayne, northern and western Oakland, and northern Macomb counties. These specific communities of each county are eligible for PTCU membership:

Wayne County
Allen Park, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Detroit, Ecorse, Flat Rock, Garden City, Gibraltar, Grosse Ile, Grosse Pointe, Grosse Pointe Farms, Grosse Pointe Park, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Harper Woods, Highland Park, Inkster, Lincoln Park, Livonia, Melvindale, Northville, Northville Township, Plymouth, Plymouth Township, Redford Township, River Rouge, Riverview, Romulus, Southgate, Taylor, Trenton, Wayne, Westland, Woodhaven, and Wyandotte.

Oakland County
Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Hills, Bloomfield Township, Commerce Township, Clawson, Drayton Plains, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Huntington Woods, Keego Harbor, Lake Angelus, Lathrup Village, Madison Heights, Northville, Novi, Oak Park, Orchard Lake, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Royal Oak Township, Southfield, Southfield Township, Sylvan Lake, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom, and Wolverine Lake.

Macomb County
Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Mt. Clemens, New Baltimore, Roseville, St. Clair Shores, Shelby Township, Sterling Heights, Utica, and Warren.

Sinai-Grace Hospital
Employees of Sinai-Grace Hospital, Detroit, Michigan, and its satellite facilities.

North Rosedale Park Civic Association
Residents of the North Rosedale Park neighborhood of Detroit. The area boundaries are: W. McNichols Ave, Southfield Freeway, Grand River Ave, and Evergreen Rd.

Evergreen-Lahser/7-8 Mile Community Council
Residents of Detroit within these boundaries: Evergreen Rd, 7 Mile Rd, Lahser Rd and Eight Mile Rd.

Select Employer Group members

Family Membership
Anyone related to a PTCU member by blood or marriage, regardless of where they live or work in the U.S. The signature of the PTCU member is required to establish the validity of the relationship.

Retirees
Anyone over age 55 (or younger, if on disability retirement) who receives a retirement annuity, pension, social security, or other retirement payment from private or government sources and lives in, or belongs to, a retirement organization located in Wayne, Oakland, Macomb, St. Clair, Lapeer, Genesee, Livingston or Washtenaw counties.

NCUA Insured Yes
Charter Number # # 61068
Date Established 1928
Assets $270.33 million
Loans $178.23 million
Deposits $240.56 million
Capital $26.70 million
 

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Lapeer, Genesee, Livingston, Macomb, Oakland, St. Clair, Washtenaw and Wayne Counties in Michigan; anyone over the age of 55 who receives retirement or pension and live in or are a member of a retirement organization in Michigan; employees of Ford Motor Company, Visteon Corporation, Automotive Components Holdings, L.L.C. or Faurecia, or other companies in Michigan.

Deposit Rates - December 13, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.75% $500 $24,999 Learn MoreShow Less
Special: 18 Mo FIRA
1.80% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.45% $500 $24,999 Learn MoreShow Less
12 Mo CD
0.75% $500 $24,999 Learn MoreShow Less
Special: 18 Mo CD
1.80% $500 - Learn MoreShow Less
1.80% $500 $24,999 Learn MoreShow Less
24 Mo CD
1.20% $500 $24,999 Learn MoreShow Less
36 Mo CD
1.35% $500 $24,999 Learn MoreShow Less
48 Mo CD
1.60% $500 $24,999 Learn MoreShow Less
60 Mo CD
1.85% $500 $24,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 - Learn MoreShow Less

Loan Rates - December 13, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for PEOPLE DRIVEN

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.625% 3.625% -0.13 ($222) $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info

Note to PEOPLE DRIVEN
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are People Driven branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


People Driven Locations


Financial Details

People Driven Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of People Driven. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
People Driven U.S. Average
7.16% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, People Driven had $1,898,107 in non-current loans and $95,607 in owned assets. To cover these potential losses it had $26,701,528 in net worth and $1,147,117 in loans loss reserves. That gives it a Texas Ratio of 7.16%.

Net Worth
People Driven U.S. Average
10.06% 13.65%

People Driven FCU has a net worth of 10.06% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About People Driven

Branches and Savings

What is People Driven?

A federal credit union, registered with the NCUA under certificate #61068.
Learn more about credit unions here.

Is People Driven FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join People Driven?

Please see Field of Membership information above for information on who is eligible to join.

What are People Driven's share account and share certificate rates?

People Driven's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is People Driven?

People Driven has total capital of $26.70 million. Full information on People Driven's financial position is located above.

Who owns People Driven?

Credit Unions are owned by their members.

Where are People Driven branches located?

See branch locations nearby.

Are People Driven ATMs Open 24/7?

Do People Driven ATMs accept cash deposits?

Can People Driven customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does People Driven have a mobile app?

Does People Driven have mobile deposit?

Does People Driven have quick pay?

How can People Driven transfer money to other banks or credit unions?

Does People Driven report to credit bureaus?

Does People Driven use Chexsystems?

Does People Driven use Equifax?

What is People Driven's toll free phone number?

What is People Driven's ACH Routing Number?

What is People Driven's SWIFT code?

Where can I find People Driven's wire transfer form?

What is the People Driven address for deposits?

What Products Does People Driven Offer

Does People Driven offer mortgages?

Compare mortgage rates here.

Does People Driven offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does People Driven offer auto and RV loans?

Compare auto loan rates here.

Does People Driven offer student loans or personal loans?

Compare personal loan rates here.

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