Certificates
Certificates of Deposit
With generous rates and compounding dividends, a Certificate of Deposit is the ideal way to build your savings over a term that suits your goals.
Advantages of Opening a Certificate of Deposit Account
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Competitive Rates and Dividends
Generous rates rise with the terms plus you earn compounding dividends each month.
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No Hidden Fees or Surprises
Pay no monthly fee and enjoy watching your savings grow until your CD reaches maturity.
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Just $250 to Open an Account
A CD is designed to secure your future with safeguards to prevent you from making withdrawals.
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Terms to Suit Your Goals
Put some savings aside for just six months or make a true investment for as long as 60 months.
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Term |
Min. to Open |
Interest Rate |
APY* |
|---|---|---|---|
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* APY = Annual Percentage Yield. Rates are effective as of March 11, 2026. 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 3.445% |
APY* 3.50% |
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Term 12 Months |
Min. to Open $250.00 |
Interest Rate 1.490% |
APY* 1.50% |
|
Term 18 Months - SPECIAL OFFER |
Min. to Open $250.00 |
Interest Rate 3.445% |
APY* 3.50% |
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Term 24 Months** - SPECIAL OFFER |
Min. to Open $250.00 |
Interest Rate 3.687% |
APY* 3.75% |
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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 - SPECIAL OFFER |
Min. to Open $250.00 |
Interest Rate 3.687% |
APY* 3.75% |
|
Term 42 Months** |
Min. to Open $250.00 |
Interest Rate 2.227% |
APY* 2.25% |
|
Term 48 Months |
Min. to Open $250.00 |
Interest Rate 2.227% |
APY* 2.25% |
|
Term 60 Months |
Min. to Open $250.00 |
Interest Rate 2.472% |
APY* 2.50% |
Certificate of Deposit Calculator
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Everything You Need to Know about Certificates of Deposit (CDs)
- You can open a CD with just $250.
- There are no monthly fees.
- Terms range from 6 months to 60 months.
- The annual percentage yield (APY) goes up as the terms increase – so the longer you save, the more you’ll earn.
- Your dividends are compounded and credited to your account each month.
- To help you achieve your savings goals, there’s a small penalty fee if you withdraw funds before your maturity date.
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Take Advantage of These Certificate of Deposit Features
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Flexible Terms
Choose from 6 months up to 60 months depending on your financial ambitions.
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Generous Rates
Watch your savings bloom with rates that reward you for saving over longer periods.
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Compounding Dividends
Each month, you’ll earn interest on both the money you’ve saved and the interest you’ve earned.
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Bump Up Your APY
With 24 or 42-month terms, you get a chance to change your APY to match market rates.
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Federally Insured
Relax knowing your savings are secure no matter how high your balance grows.
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Online and Mobile Banking
Check your CD balance anytime you like from your preferred device.
Opening a Certificate of Deposit Account Is Simple
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Step 1
Collect Your Details Gather your personal information and documents.
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Step Apply Online Complete a quick application online or visit your local branch.
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Step 3
Make a Deposit Start with as little as $250 then stay on track for great savings results.
Molly S.The Westford Jeanne D’Arc branch is wonderful. Grade A customer service, all employees are so friendly and helpful. 10/10 would recommend!
FAQs about Certificates of Deposit (CDs)
No, none of the Jeanne D’Arc Credit Union savings and CD accounts have an annual or monthly fee. We want to give your money the best chance to grow!
The rates you get will depend on which term you choose.
CDs earn compound interest, which means you earn interest on your deposited funds then you also earn interest on the interest you’ve earned. Interest on Jeanne D’Arc CDs are compounded and credited monthly.
- The interest rate is how much you’ll earn on your balance.
- The annual percentage yield (APY) is the total amount you may earn in a year, including your compounded interest.