Young beautiful couple in the autumn garden at fall.

Savings & Special-Rate CDs

Set out on your savings journey - follow the path to a stronger financial future

Start Your Savings Journey

Tomorrow is your destination; let us help you get there

On any journey, an energy boost and a little encouragement can keep you on course. Match your path to your motivation, and we’ll provide that extra incentive you need to keep pace toward your tomorrow goals.

Find the savings path that points to your goals

With three tracks to follow, it’s easy to set out and stay on the right course for your goals. Discover what drives you – rates, rewards, or returns. Pick the path for you and take the first step on your savings journey today.

  • family running in the fall

    The Rate Path: Statement Savings

    High dividends offer a beginning boost; steady rates keep you going. Start off strong and set your journey in motion with 5.00% APY.1 on your first $5002. Start your journey; open a Statement Savings Account.

     

     

  • couple holding hands

    The Reward path: WinStrong Savings

    Maintain your motivation to save with monthly prize drawings. The more often you save, the more chances you have to win big rewards!3 Start your journey; open a WinStrong Savings Account.

     

  • couple walking

    The Return Path: 17& 29-Month CDs

    Enjoy greater gains on your climb with fixed rates and steeper returns than a savings account. Limited time only: 17-Month CD at 4.40% APY* and 29-Month CD at 4.55% APY*. Start your journey with special rates on CDs.

     

     

     

     

  • Best for:

    Best for:

  • APY1

    APY1

  • Minimum to open

    Minimum to open

  • Minimum monthly balance

    Minimum monthly balance

  • Rates

    Rates

  • Apply today

Statement Savings

  • Best for:

    Members who want to start out strong and earn high dividends on their first $500

  • APY1

    5.00% APY up to the first $500.00. A dividend rate of 0.05% will be paid on the remaining balance in your account that exceeds $500.00.

  • Minimum to open

    $5.00

  • Minimum monthly balance

    None

  • Rates

  • Apply today

WinStrong Savings

  • Best for:

    Members who benefit from a little incentive to make monthly savings deposits of $25 or more

  • APY1

    0.05% APY

  • Minimum to open

    $5.00

  • Minimum monthly balance

    None

  • Rates

  • Apply today

17 & 29-Month CDs

  • Best for:

    Members who are ready to make a single deposit and receive a guaranteed rate of return over a set term

  • APY1

    4.40% APY* on 17-Month CDs and 4.55% APY* on 29-Month CDs

  • Minimum to open

    $250

  • Minimum monthly balance

    $250

  • Rates

  • Apply today

Enjoy great features on every savings path for happy trails and safe travels

I’ve been a member of Jeanne D’arc since I was a young adult and in fact it was first bank account… I also love that as a member of the Lowell community they continuously support charities and nonprofits in Lowell.

Sachie G.

Savings FAQs

We offer savings accounts for people of all ages, including: M3 Money Club (for those 12 years and under), Statement Savings, Senior Statement Account (for those 65 years and older), Money Market, Retirement Savings, and Certificates of Deposit (CD).

There are no withdrawal fees on all of our savings account with the exception of a Certificate of Deposit, which can only be withdrawn without fees during the grace period. See the consumer fees and service charge schedule for details.

M3 Money Club, Statement Savings, and Senior Statement Savings Account earn a 5.00% APY on balances up to the first $500. A Certificate of Deposit (CD) has a fixed rate. A list of additional savings rates can be found here.

Our WinStrong Savings Account comes with an annual percentage yield (APY) of 0.05%.

A minimum deposit of $250 is required to open your Certificate of Deposit (CD). Your CD must have a minimum balance of $250 to stay open.

The money inside your CD cannot be withdrawn without a penalty until the account has reached its maturity date. You will have a grace period of 10 calendar days after the maturity date to withdraw funds from your account.

Banking with us makes an impact

  • In 2022, we raised,
    110k

    for more than 125 local charities through our We Share a Common Thread fundraiser.

  • In 2022, we offered
    $19,500

    in scholarships to 26 students, through our MoneyStrong and Employee scholarships.

  • We donate
    $1,500

    every quarter to local non-profits, through our Give-A-Click program.

Ready to change your financial future?

Open a savings account online
Apply today
Come swing by
Find a location near you
Call or email
Get in touch today

Disclosures

*APY = Annual Percentage Yield. The rate is effective as of November 16, 2022. The minimum balance to open the certificate is $250.00. No maximum deposit. Limited time offer. Some restrictions apply. For the 10, 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. A penalty may be imposed for early withdrawal. Upon maturity, certificate may automatically roll into another term. Existing consumer members with direct deposit and funds currently at the Credit Union are eligible. Rates subject to change.

1APY=Annual Percentage Yield.

25.00% APY will be paid on the balance in your account up to the first $500.00. A dividend rate of 0.05% will be paid on the remaining balance in your account that exceeds $500.00 with a $500.01 balance earning a 5.00% APY and a $1,000.00 balance earning a 2.591% APY, as examples. Requires a $5.00 minimum balance to open the account. Fees could reduce earnings. All new Jeanne D’Arc Credit Union members will have one of their consumer savings accounts (except retirement statement savings) automatically designated as their primary savings account to receive these special terms. Additional savings accounts established under the same member name, and related tax identification number, are not eligible for these special terms.  All rates are subject to change, after account opening, without notice.

3WinStrong is available for Massachusetts residents only and is limited to one WinStrong savings account per person. $25 deposit per entry, maximum 4 entries per month, per account.