We Share A Common Thread

Business Loans & Credit Card Rates

Contact Kara Doyle to discuss your specific needs and current rates for the following types of loans:

  • Term Loans
  • SBA Loans
  • Commercial Real Estate Loans

Contact Robert Boley to discuss your specific needs and current rates for the following types of loans or products:

  • Overdraft Lines of Credit
  • Vehicle Loans
  • VISA® Credit Card
Business VISA® Credit Card Interest Rates and Charges
Annual Percentage Rate (APR) for Purchases 1.99% introductory APR for the first 6 months after account opening, based on your program and creditworthiness.
After that, your APR will be 9.99% to 15.99%, based on your program and creditworthiness.
Annual Percentage Rate (APR) for Balance Transfers 1.99% introductory APR for the first 6 months after account opening, based on your program and creditworthiness.
After that, your APR will be 9.99% to 15.99%, based on your program and creditworthiness.
Annual Percentage Rate (APR) for Cash Advances 1.99% introductory APR for the first 6 months after account opening, based on your program and creditworthiness.
After that, your APR will be 9.99% to 15.99%, based on your program and creditworthiness.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Cash Advances and Balance Transfers are always subject to interest charges from the date they are posted to your account.
Minimum Interest Charge If you are charged interest, the charge will be no less than $.50
Fees
Annual Fee None
Maintenance Fee None
Transaction Fees Balance Transfer None
Cash Advance 2.00% of transaction or $5 minimum; $50 maximum
International Transaction
1.00% of the amount of your transaction in U.S. Dollars
Penalty Fees Late Payment $27
Returned Payment $27
To apply for loans, open accounts or to schedule a meeting to discuss your business, contact:

Kara Doyle
VP – Commercial Lending
OFFICE: (978) 323-3242
MOBILE: (978) 479-7150
EMAIL: Kara.Doyle@jdcu.com
Jeffrey Turcotte
VP – Commercial Loan Officer
OFFICE: (978) 323-4710
MOBILE: (978) 888-3090
EMAIL: Jeffrey.Turcotte@jdcu.com
Robert Boley
AT – Business Services Advisor
OFFICE: (978) 703-7982
MOBILE: (978) 421-4644
EMAIL: Robert.Boley@jdcu.com

How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases).”

*

The information on this form is accurate as of August 28, 2019 and is subject to change. To find out if any of this information has changed since that date, call us at 1-877-604-5328 or write to Jeanne D’Arc Credit Union, 581 Merrimack St., Lowell, MA 01854.