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 Michael Dubuque 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 Interest 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 With currency conversion – 1.00% of the amount of your transaction in U.S. Dollars Without currency conversion – 0.8% of the amount of your transaction in U.S. Dollars |
| Penalty Fees | Late Payment $27 Returned Payment $27 |
Kara Doyle
VP – Commercial Lending
OFFICE: (978) 323-3242
MOBILE: (978) 479-7150
Kara.Doyle@jdcu.com
Michael Dubuque
VP – Market Development
OFFICE: (978) 323-3230
MOBILE: (617) 839-7750
EMAIL: Michael.Dubuque@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 December 18, 2015 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, 658 Merrimack Street, Lowell, MA 01854.