MoneyStrong – Second Chance Accounts
At Jeanne D’Arc Credit Union, we believe your money should work as hard as you do. That’s why we created the MoneyStrong* family of accounts — a powerful set of loans, credit cards, and checking options designed to help you reach your financial goals faster.
The Benefits of a MoneyStrong Account
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No Hidden Fees
Enjoy low or no monthly fees and no minimum balance requirements on select accounts
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Smart Money Management
Digital banking, mobile deposits, and automatic savings tools help you stay in control.
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Flexible & Individual Options
Whether you’re building credit from scratch or rebuilding after past financial challenges, there’s a MoneyStrong account for you.
MoneyStrong Products
MoneyStrong Checking: A Fresh Start for Your Finances
At Jeanne D’Arc Credit Union, we believe everyone deserves access to secure and reliable banking. MoneyStrong Checking is designed for members who may not qualify for a traditional checking account due to past financial challenges. This account provides a second chance to rebuild your financial standing while offering essential banking features.
Why Choose MoneyStrong Checking?
- Great option for those who don’t pass EFunds screening
- Access to essential checking account features, including direct deposit and online banking
- Opportunity to upgrade — after 12 months of positive account activity, your account automatically converts to Fee-Free Checking, eliminating the $10 monthly service charge
- A pathway to stronger financial health with responsible banking
Take control of your finances today. Open a MoneyStrong Checking Account and start fresh!
Visit a Branch to Open a MoneyStrong Checking Account
MoneyStrong Personal Loan: Build or Rebuild Your Credit with Confidence
Your credit score shouldn’t hold you back from financial opportunities. Whether you’re starting from scratch or working to improve your credit history, the MoneyStrong Personal Loan is designed to help you take control of your financial future.
Build or Rebuild — Tailored to Your Needs
- Build Loan: For members looking to establish a strong credit history (Loan Amount: Up to $750)
- Rebuild Loan: For members aiming to repair and improve their credit (Loan Amount: Up to $1,500)
Designed for Success
- Available to members with a credit score of 0-639
- Interest rate reduction of 0.50% every 12 consecutive months of on-time payments
- Automatic payments required from your Jeanne D’Arc Credit Union account
- Must be a Jeanne D’Arc member for at least 3 months before applying
Start building a stronger financial future today. Apply for a MoneyStrong Personal Loan now!
Apply for a MoneyStrong Personal LoanMoneyStrong Auto Loan: Build or Rebuild Your Credit While Getting on the Road
At Jeanne D’Arc Credit Union, we believe owning a vehicle shouldn’t be out of reach, no matter where your credit stands. Whether you’re building credit for the first time or working to repair and improve your score, the MoneyStrong Auto Loan allows you to finance a reliable car while improving your financial future.
Financing That Helps You Move Forward
- Build Auto Loan: For members establishing credit (Loan Amount: Up to $10,000)
- Rebuild Auto Loan: For members working to improve their credit (Loan Amount: Up to $15,000)
Designed for Success
- Available for members with a credit score of 0-619
- Various terms available
- Interest rate reduction of 0.50% every 12 consecutive months of on-time payments
- Automatic payments required from your Jeanne D’Arc Credit Union account
- Must be a Jeanne D’Arc member for at least 3 months before applying
Drive toward a better financial future today. Apply for a MoneyStrong Auto Loan now!
Apply for a MoneyStrong Auto Loan
MoneyStrong Visa® Credit Card: Build or Rebuild Your Credit with Confidence
Having a solid credit history is essential for achieving your financial goals. The MoneyStrong Build and Rebuild Visa® Credit Card from Jeanne D’Arc Credit Union is specifically designed to help you establish or strengthen your credit profile while providing the convenience and security of a Visa® credit card.
Key Features:
- Build Visa® Credit Card: Start with a $250 credit limit to begin your credit journey with a manageable limit. Then enjoy an automatic credit limit increase to $500 after 6 months of good payment history.
- Rebuild Visa® Credit Card: Start with a credit limit up to $1,500 while having the opportunity to improve your credit score.
- Upgrade Opportunities:After one year of responsible use, you may qualify to upgrade to our Visa® Rewards or Visa® Rate Credit Cards.
- No Annual Fee:Focus on building credit without the burden of annual fees.
- Contactless Technology:Experience the convenience of tap-and-go payments.
Why Choose MoneyStrong Build Visa®?
- Designed for Credit Builders:Perfect for members starting their credit journey or looking to improve their credit score.
- Pathway to Premium Cards:Demonstrate good payment habits and access cards with more benefits.
- Comprehensive Account Management:Monitor your spending and payments easily through our online and mobile banking platforms.
Take the First Step Toward a Strong Financial Future. Apply for the MoneyStrong Build or Rebuild Visa® Credit Card today and start building your credit with a partner you can trust.
Apply for a MoneyStrong Credit CardFinancial Wellness Counseling
Jeanne D’Arc has partnered with GreenPath Financial Wellness to provide our members with FREE one-on-one counseling services. Simply call 1-877-337-3399 for a confidential financial workshop session.
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Financial Counseling
Free one-on-one debt management counseling delivered by certified and caring experts. They’ll work with you to understand your situation and make a plan to meet your goals.
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Credit Report Review
Understand your personal credit report and how to improve your score. These are confidential discussions with GreenPath’s experts.
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Make Housing Decisions
Take advantage of home buyer preparation assistance and mortgage coaching. GreenPath can help you make informed decisions about your housing choices.
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Student Loan Counseling
We explain the different student loan repayment options so you can weigh their pros and cons. You’ll be able to make informed decisions about the best strategies.
Why Choose Jeanne D’Arc Credit Union?
At Jeanne D’Arc Credit Union, your financial well-being is our top priority. Our members enjoy better rates, lower fees, and personalized service.
And our commitment doesn’t stop there! We’re dedicated to reinvesting in the Massachusetts and New Hampshire communities we serve.
Enjoy these benefits and more as a Jeanne D’Arc member:
- Member-owned: We return profits to our members through better rates and lower fees.
- Community-focused: Your membership supports local initiatives and strengthens the places we live and work.
- Financial education: Access tools and resources to improve financial wellness and make more informed decisions.
- Anytime banking: Manage your finances on your schedule with convenient digital banking options.
- Personalized service: We prioritize providing members with tailored financial guidance.
- Exclusive perks: Enjoy member-only discounts on everyday essentials and experiences.
- Trusted partner: We’re dedicated to your financial journey, offering support every step of the way.
Discover the difference of banking with a member-focused institution. Join Jeanne D’Arc Credit Union today and become part of a community focused on your financial success.
MoneyStrong Second Chance Account FAQs
MoneyStrong Checking is designed for members who do not pass EFunds screening for a regular checking account. It provides a second-chance banking option for those looking to rebuild their financial history.
To open a MoneyStrong account, you’ll need a valid ID, proof of address, and an initial deposit (if required).
After 12 months of positive account activity and maintaining a positive balance, your MoneyStrong Checking account will automatically convert to a Fee-Free Checking, eliminating the $10 monthly service charge.
- Build Auto Loan: For members looking to establish credit (Loan Amount: Up to $10,000).
- Rebuild Auto Loan: For members working to improve their credit (Loan Amount: Up to $15,000).
Both options offer rolling 12-month rate reviews, where your interest rate decreases by 0.50% every 12 months of on-time payments.
Yes! All MoneyStrong accounts come with free online and mobile banking, so you can manage your money anytime, anywhere.
To qualify, you must:
- Have a credit score between 0-619
- Be a Jeanne D’Arc Credit Union member for at least 3 months
- Set up automatic payments from a JDCU account
- Build Loan: Borrow up to $750 with a 1-year term
- Rebuild Loan: Borrow up to $1,500 with a 2-year term
Your interest rate will decrease by 0.50% every 12 months as long as you make on-time payments. This helps lower your overall loan cost while improving your credit.
The MoneyStrong Visa® Credit Card is designed to help members establish or repair their credit. It offers:
- A starting credit limit of $250 (Build) or up to $1,500 (Rebuild)
- Automatic credit limit increases for responsible usage
- No annual fees and contactless payment options
- A pathway to upgrade to a Visa® Rewards or Visa® Rate card after one year of on-time payments
To qualify, you must be a JDCU member, meet the credit requirements, and demonstrate responsible financial habits. Your approval and credit limit are based on your credit history and membership status.
Have more questions? Contact Jeanne D’Arc Credit Union or visit a branch to learn more about how MoneyStrong products can help you take control of your financial future!
Disclosures
*Programs, rates, and terms may change at any time. Please contact us for complete details on our current offerings.