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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.

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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.

Certificates of Deposit

Term

Min. to Open

Interest Rate

APY*

* APY = Annual Percentage Yield. Rates are effective as of November 22, 2022. 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.

**APY = Annual Percentage Yield. The rate is effective as of November 22, 2022. The minimum balance to open the certificate is $250.00. No maximum deposit. Limited time offer. Some restrictions apply. For the 17 and 29- Month Certificates offer is available to new and existing consumer and business members with new money. New money defined as funds not currently on deposit with Jeanne D’Arc Credit Union. Existing consumer members with direct deposit and funds currently at the Credit Union are eligible. Rates subject to change.

***This certificate is available with a one-time bump-up option.

 

 

Term

6 Months

Min. to Open

$250.00

Interest Rate

0.747%

APY*

0.75%

Term

12 Months

Min. to Open

$250.00

Interest Rate

0.995%

APY*

1.00%

Term

17 Months**- SPECIAL OFFER

Min. to Open

$250.00

Interest Rate

4.314%

APY*

4.40%

Term

18 Months

Min. to Open

$250.00

Interest Rate

1.243%

APY*

1.25%

Term

24 Months***

Min. to Open

$250.00

Interest Rate

1.342%

APY*

1.35%

Term

29 Months**- SPECIAL OFFER

Min. to Open

$250.00

Interest Rate

4.458%

APY*

4.55%

Term

36 Months

Min. to Open

$250.00

Interest Rate

1.490%

APY*

1.50%

Term

42 Months***

Min. to Open

$250.00

Interest Rate

1.588

APY*

1.60%

Term

48 Months

Min. to Open

$250.00

Interest Rate

1.638%

APY*

1.65%

Term

60 Months

Min. to Open

$250.00

Interest Rate

1.736%

APY*

1.75%

  • 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.

    Open an Account

  • A couple is happy to see the statement showing their growing balance in their Certificate of Deposit.

Take Advantage of These Certificate of Deposit Features

  • Flexible Terms

    Choose from 6 months up to 60 months depending on your financial ambitions.

  • Generous Rates

    Watch your savings bloom with rates that reward you for saving over longer periods.

  • Compounding Dividends

    Each month, you’ll earn interest on both the money you’ve saved and the interest you’ve earned.

  • Bump Up Your APY

    With 24 or 42-month terms, you get a chance to change your APY to match market rates.

  • Federally Insured

    Relax knowing your savings are secure no matter how high your balance grows.

  • Online and Mobile Banking

    Check your CD balance anytime you like from your preferred device.

Opening a Certificate of Deposit Account Is Simple

  • Step 

    1

    Collect Your Details

    Gather your personal information and documents.

  • Step 

    2

    Apply Online

    Complete a quick application online or visit your local branch.

  • Step 

    3

    Make a Deposit

    Start with as little as $250 then stay on track for great savings results.

The Westford Jeanne D’Arc branch is wonderful. Grade A customer service, all employees are so friendly and helpful. 10/10 would recommend!

Molly S.

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!

You can open a Certificate of Deposit account with just $250.

Withdrawals aren’t generally allowed. We want to help you achieve your savings goals as quickly as possible, so there’s a penalty if you make a withdrawal before your CD comes to term.

The rates you get will depend on which term you choose. The longer your term, the higher your annual percentage yield (APY) and dividend rate.

The dividends you earn on your certificate of deposit balance are compounded each month, which means you earn a dividend on your balance and you earn interest on the dividends, too. In this way, you earn more than simple interest on your initial deposit.

Your dividends will be compounded and credited to your account every month.