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All Jeanne D’Arc Credit Union locations will be closed on Friday, January 1st in observance of New Year’s Day.

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All Jeanne D’Arc Credit Union locations will be closing at 2PM on Thursday, December 24th in observance of Christmas Eve and will remain closed on Friday, December 25th in observance of Christmas Day. ... Read more

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All Jeanne D’Arc Credit Union locations will be closed on Thursday, November 26th in observance of Thanksgiving.

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All Jeanne D’Arc Credit Union locations will be closed on Wednesday, November 11th in observance of Veterans Day.

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All Jeanne D’Arc Credit Union locations will be closed on Monday, October 12th in observance of Columbus Day.

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All Jeanne D’Arc Credit Union locations will be closed on Monday, September 7th in observance of Labor Day.

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All Jeanne D’Arc Credit Union locations will be closed on Saturday, July 4th in observance of Independence Day.

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All Jeanne D’Arc Credit Union locations will be closed on Friday, June 19th in observance of Juneteenth.

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Due to scheduled system maintenance, Online & Mobile Banking, ATMs, and our Call24 automated phone system will be temporarily unavailable from Saturday, June 13, at 10PM, until Sunday, June 14, at 4AM.  We apologize for any inconvenience this may cause.

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Please be advised that the parking lot at our Dracut–Lakeview Ave branch will undergo scheduled construction and maintenance beginning Friday, June 19 through Sunday, June 21. For the safety of our members and staff, the branch will be closed during this time. The branch will reopen on Monday, June 22 during regular business hours. We appreciate your patience and understanding as we complete these improvements to better serve you.

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Yesterday, we became aware of offensive comments posted on TikTok by an individual who was employed by Jeanne D’Arc Credit Union at the time of the post. This conduct is inconsistent with Jeanne D’Arc’s policies, Code of Ethics, and core values. Jeanne D’Arc does not support or condone this behavior, or any conduct by an employee that violates our policies, values, and commitment to those we serve. Although Jeanne D’Arc does not comment on personnel matters, we can confirm that the individual is no longer employed by Jeanne D’Arc.
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All Jeanne D’Arc Credit Union locations will be closed on Monday, May 25th in observance of Memorial Day.

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We are currently experiencing intermittent disruptions affecting Online and Mobile Banking services. This issue is impacting multiple financial institutions, and we are actively working with our vendor to restore full functionality as quickly as possible. If you need immediate assistance with your account, please contact our Member Contact Center at 978-452-5001. We appreciate your patience and apologize for any inconvenience this may cause you.

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For the safety of our employees and members, all Jeanne D’Arc branches will be open at 9 a.m. on Friday, March 6th. Our Member Contact Center will remain open during its regular business hours – if you need account assistance, please call us at 978-452-5001. You can also access your accounts using Online and Mobile Banking, as well as our ATMs. We appreciate your understanding and apologize for any inconvenience this may cause.

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All Jeanne D’Arc Credit Union locations will be closed on Monday, February 16th in observance of Presidents’ Day.

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Our Member Contact Center will be closing at 4:30PM on Tuesday, February 3rd, due to a staff event. We apologize for any inconvenience this may cause.

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The 2026 MoneyStrong Scholarship is now open. Don’t miss your chance – apply by Friday, April 3rd.

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All Jeanne D’Arc Credit Union locations will be closed on Monday, January 19th in observance of Martin Luther King Jr. Day.

Keith Micavich

Mortgage Origination Officer

Keith Micavich

“I put myself in the shoes of every member trying to obtain financing, which helps me understand my clients better. This allows me to provide the best customer service and help the member choose a product that works best for them.”

Apply with meBack to loan officers

Keith has been helping clients achieve their dreams of home ownership for the past 25 years. Prior to joining Jeanne D’Arc Credit Union, Keith ran his own mortgage company for more than six years.  This experience has provided Keith with a unique perspective on the lending industry along with in-depth knowledge of the programs and products offered industry wide. Customer service is, and always has been, Keith’s primary focus. He understands how confusing and overwhelming obtaining financing can be and his goal is to make the process as simple and as clear as possible for every member.

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Want $500 towards your closing costs?

Are you a first-time homebuyer? Schedule an appointment with a qualified loan officer.

Sign-up now

Take advantage of:

  • No Cost, No Obligation Pre-Approvals
  • Our First-Time Home Buyer Programs
  • Unique Construction Mortgage Loans
  • No Closing Cost Mortgage Options
  • Refinancing Your Mortgage To A Lower Rate, Shorter Term Or To Take Cash Out
  • Loans For Members With Less Than Perfect Credit
  • Avoiding Private Mortgage Insurance (PMI) With Less Than 20% Down

You'll love our great rates

Adjustable Rate Mortgages (ARM)

Program

Months

Points

Rates

APR**

Initial/Annual/Lifetime Rate Caps

Margin/index

Pmt Per $1,000

^Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time.

*Rates are effective July 1, 2026 and are subject to change at any time, and may increase. Rates apply to loans up to $806,500.00 (also known as “conforming mortgages”).

**APR – Annual Percentage Rate. Please note that APR may increase after consummation.

Conforming rates and APR based on $806,500.00 loan amount with FICO credit scores of 740 and loan to value no greater than 75%.

Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan. Since the index in the future is unknown, the first adjustment payments displayed are based on the current index plus the margin (fully indexed rate) as of the effective date above.

Program

10/1 ARM

Months

-

Points

-

Rates

Call for quote

APR**

-

Initial/Annual/Lifetime Rate Caps

-

Margin/index

-

Pmt Per $1,000

-

Program

7/1 ARM

Months

First 84

Next 276

Points

0%

Rates

5.625%

6.500%

APR**

6.078%

Initial/Annual/Lifetime Rate Caps

2% / 2% / 5%

Margin/index

2.75% / 3.80%

Pmt Per $1,000

$5.76

$6.22

Program

5/1 ARM

Months

First 60

Next 300

Points

0%

Rates

5.250%

6.500%

APR**

6.036%

Initial/Annual/Lifetime Rate Caps

2% / 2% / 5%

Margin/index

2.75% / 3.80%

Pmt Per $1,000

$5.52

$6.22

Program

3/1 ARM

Months

-

Points

-

Rates

Call for quote

APR**

-

Initial/Annual/Lifetime Rate Caps

-

Margin/index

-

Pmt Per $1,000

-

 

Mortgages

Rates**

APR

Payment per $1,000*

*Up to 80% Total Loan To Value. Other rates and terms available. Pmt Per $1,000 does not include taxes and insurance if applicable. The actual obligation will be greater than the payment shown.

**APR = Annual Percentage Rate. Rates are effective June 30, 2026 and are subject to change at any time. Rates apply to Conforming mortgages and must meet secondary market guidelines. Conforming Purchase loan sizes up to $806,500.00 on one-unit properties. Conforming rates and APR based on $806,500.00 Purchase loan amount with FICO credit scores of 740 and loan to value no greater than 75%. Jumbo rates and APR based on a $806,500.01 Purchase loan amount with FICO credit scores of 760 and loan to value no greater than 75%. Sample Rates are shown. Rates are based on certain factors including loan amount, creditworthiness, loan-to-value (LTV), loan purpose, etc., and your rate may be higher. Additional loan programs are available.

30 Year Fixed

Rates**

6.375%

APR

6.398%

Payment per $1,000*

$6.24

30 Year Fixed Jumbo

Rates**

6.375%

APR

6.398%

Payment per $1,000*

$6.24

15 Year Fixed

Rates**

5.750%

APR

5.788%

Payment per $1,000*

$8.30

10 Year Fixed

Rates**

5.490%

APR

5.543%

Payment per $1,000*

$10.85

Get in touch with Keith

Phone: 978-726-9551

Email: [email protected]

NMLS ID: 7282