
Savings & Special-Rate CDs
Set out on your savings journey - follow the path to a stronger financial future
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.
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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.
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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.
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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 4.25% APY* and 29-Month CD at 4.35% APY*. Start your journey with special rates on CDs.
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Best for:
Best for:
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APY1
APY1
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Minimum to open
Minimum to open
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Minimum monthly balance
Minimum monthly balance
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Rates
Rates
- Apply today
Statement Savings
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Best for:
Members who want to start out strong and earn high dividends on their first $500
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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.
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Minimum to open
$5.00
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Minimum monthly balance
None
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Rates
- Apply today
WinStrong Savings
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Best for:
Members who benefit from a little incentive to make monthly savings deposits of $25 or more
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APY1
0.05% APY
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Minimum to open
$5.00
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Minimum monthly balance
None
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Rates
- Apply today
17 & 29-Month CDs
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Best for:
Members who are ready to make a single deposit and receive a guaranteed rate of return over a set term
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APY1
4.25% APY* on 17-Month CDs and 4.35% APY* on 29-Month CDs
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Minimum to open
$250
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Minimum monthly balance
$250
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Rates
- Apply today
Enjoy great features on every savings path for happy trails and safe travels
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Online and Mobile Banking
Easy access to your account, wherever you are, with online and mobile banking.
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Deposit Anywhere
Safely, easily, and securely deposit your checks, from your mobile app or computer, with Deposit Anywhere.
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Member Perks
Beyond the great rates and convenient features, our members receive travel, security, retail, entertainment, dining, and cashback perks.3
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Customer Service
Online account opening, Eight convenient branch locations, and a Member Contact Center. We make it easy to do business with us.
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Deposit Insurance
Your deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA). Shares and deposits in excess of $250,000 are insured by the Massachusetts Share Insurance Corporation (MSIC).
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No Monthly Fees
All of our savings accounts are free of monthly fees and minimum balances to ensure that your money keeps growing.
Sachie G.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.
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
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In 2022, we raised,110k
for more than 125 local charities through our We Share a Common Thread fundraiser.
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In 2022, we offered$19,500
in scholarships to 26 students, through our MoneyStrong and Employee scholarships.
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We donate$1,500
every quarter to local non-profits, through our Give-A-Click program.

A message from Jeanne D’Arc’s CEO
Dear Valued Member, With the unfortunate events that transpired this past weekend surrounding the banking industry, we wanted to take … Continue reading

Jeanne D’Arc Credit Union Announces 13th Annual We Share A Common Thread Foundation Fundraiser
LOWELL, MA– Jeanne D’Arc Credit Union is excited to announce its thirteenth annual We Share A Common Thread Foundation Fundraiser … Continue reading

Protecting Your Loved Ones from Elder Fraud
By GreenPath Financial Wellness In 2022, Phyllis Wiseberg, a 90-year-old widow lost $20,000 when cybercriminals withdrew the money from her account. Her … Continue reading
Ready to change your financial future?
Disclosures
*APY = Annual Percentage Yield. The rate is effective as of January 23, 2023. 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.
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.