Business Savings
Smart savings solutions to protect and build your business.
Savings that work on your terms
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No Minimum Balance
Save excess cash when you’ve got it and access your money when you need it. Our Business Savings Account has no minimum balance.
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Anytime, Anywhere Access
Manage your business savings your way with easy online and mobile banking, Bill Pay1, eDocuments, and Deposit Anywhere2.
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Early ACH Credits
Got money heading your way? Why wait longer? Receive ACH credits, including regular Direct Deposits, up to one (1) business day earlier.
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Overdraft Line of Credit
Avoid insufficient funds fees with an Overdraft Line of Credit. We’ll cover overdrafts up to your approved limit of $10,0003.
Compare Business Savings Account Options
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Best for members who:
Best for members who:
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Opening Balance
Opening Balance
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Minimum Balance Requirements
Minimum Balance Requirements
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Dividends
Dividends
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Monthly Fees
Monthly Fees
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Other Features
Other Features
Business Savings
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Best for members who:
Want a great savings account that you can access as needed.
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Opening Balance
$25
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Minimum Balance Requirements
$0
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Dividends
The same dividend rate is applied to entire account balance. See rates.
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Monthly Fees
None
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Other Features
Can link this account to Business Checking as overdraft protection.
Business Certificates of Deposit
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Best for members who:
Want to earn higher dividends by saving for the longer-term.
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Opening Balance
$250
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Minimum Balance Requirements
$250
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Dividends
Compounded and credited monthly. See rates.
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Monthly Fees
None
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Other Features
Terms from 6 to 60 Months. Penalties for early withdrawal may apply. “Bump Up” option available on certain terms.
Business Savings
Starting out can be tough. Manage the uncertainties of running a small business by setting aside the funds you need for major purchases, unforeseen expenses, staff bonuses, and emergencies.
Jeanne D’Arc Credit Union’s Business Savings account combines affordable saving with the peace of mind of knowing your money is instantly available should you need it.
Learn More
Business Certificates of Deposit
Ready to take your business savings up a notch? Start building the resources you need for long-term growth with a Jeanne D’Arc Business Certificate of Deposit.
Pick how much you want to invest ($250 minimum) and for how long, then sit back and let your money go to work. Cash out your funds when the certificate matures or roll it into another term to keep earning.
Learn More
Our Business Savings rates
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Balance |
Dividend Rate |
APY* |
Min Average Daily Balance to Earn |
|---|---|---|---|
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Balance Any |
Dividend Rate 0.05% |
APY* 0.05% |
Min Average Daily Balance to Earn 0.05% |
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Term |
Min. to Open |
Interest Rate |
APY* |
|---|---|---|---|
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* APY = Annual Percentage Yield. Rates are effective as of December 5, 2025. A penalty may be imposed for early withdrawal. A $250.00 minimum balance and $5.00 membership account are required to open a Certificate of Deposit. Upon maturity, certificate may automatically roll into another term. Please check with a Member Service Representative for additional information. **This certificate is available with a one-time bump-up option.
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Term 6 Months- SPECIAL OFFER |
Min. to Open $250.00 |
Interest Rate 3.566% |
APY* 3.625% |
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Term 12 Months |
Min. to Open $250.00 |
Interest Rate 1.490% |
APY* 1.50% |
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Term 13 Months- SPECIAL OFFER |
Min. to Open $250.00 |
Interest Rate 3.445% |
APY* 3.50% |
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Term 18 Months |
Min. to Open $250.00 |
Interest Rate 1.736% |
APY* 1.75% |
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Term 24 Months** |
Min. to Open $250.00 |
Interest Rate 1.834% |
APY* 1.85% |
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Term 30 Months |
Min. to Open $250.00 |
Interest Rate 1.982% |
APY* 2.00% |
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Term 36 Months |
Min. to Open $250.00 |
Interest Rate 1.982% |
APY* 2.00% |
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Term 42 Months** |
Min. to Open $250.00 |
Interest Rate 2.227% |
APY* 2.25% |
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Term 48 Months |
Min. to Open $250.00 |
Interest Rate 2.227% |
APY* 2.25% |
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Term 60 Months |
Min. to Open $250.00 |
Interest Rate 2.472% |
APY* 2.50% |
D.J.Awesome, conveniently located credit union. Employees are super-friendly and helpful. Great CD rates and interest on kids’ savings accounts. Glad to be a member!
Ready to get started?
To apply for loans, open accounts or to schedule a meeting to discuss your business, contact:
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Kara Doyle
VP – Commercial LendingOffice: (978) 323-3242
Mobile: (978) 479-7150
Email: [email protected] -
Robert Boley
VP – Business Services AdvisorOffice: (978) 703-7982
Mobile: (978) 421-4644
Email: [email protected]
FAQ about Credit Union Business Savings Accounts
Once opened, there is no minimum balance requirement on your Business Savings Account.
Yes. You are required to make an initial deposit of $25 when opening your Jeanne D’Arc Business savings Account.
Business Certificates of Deposit offer higher interest rates than Business Savings Accounts but require you to deposit money for a fixed period or term. You choose your certificate term and annual percentage yield (APY) when you invest. Your money is not available until the certificate matures at the end of the term, when it can be withdrawn together with your earnings or reinvested for another term. Certificates of Deposit allow you to invest your money and earn interest in a safe, predictable way with guaranteed returns.
You need to make a minimum account opening deposit of $250 for a Business Certificate of Deposit
Money held in a Business Savings Account may be withdrawn or transferred at any time, either in person or via online access, subject to applicable transaction limits. Money invested in a Business Certificate of Deposit can be withdrawn without penalty only when the certificate matures at the end of its term.
Yes, funds deposited in a Jeanne D’Arc Business Savings Account are insured to at least $250,000 by the National Credit Union Administration (NCUA). Shares and deposits in excess of $250,000 are insured by the Massachusetts Share Insurance Corporation (MSIC).
You are eligible for business membership if you meet the following requirements:
- Any business (fraternal organization, voluntary association, sole proprietorship, partnership, limited partnership, corporation, limited liability company, or limited liability partnership) composed principally of individuals who are themselves eligible for consumer membership at Jeanne D’Arc Credit Union may become a business member.
- Membership is limited to those individuals who live, work, or attend school in Middlesex or Essex counties, the cities or towns of Fitchburg, Leominster, Harvard, Lunenburg, or Lancaster, or the New Hampshire counties of Hillsborough or Rockingham, and their immediate families.
- Be able to describe their business activities and provide certain supporting documentation.
- A $5.00 Membership Account is required.
Disclosures
1All remote check deposit enrollees are subject to approval by the Credit Union. Enrollment may take up to two (2) business days.
* APY = Annual Percentage Yield. Rates are effective as of July 3, 2023. A penalty may be imposed for early withdrawal. A $250.00 minimum balance and $5.00 membership account are required to open a Certificate of Deposit. Upon maturity, certificate may automatically roll into another term. Please check with a Member Service Representative for additional information.