Personal Savings Accounts
Save for the future you’ve always wanted
You work hard for your money, and we help you grow it
We all have hopes and dreams. A savings account is the first step in your financial journey.
Find the savings account that works for you
Our savings account options have no minimum monthly balance, a $5 minimum to open the account, and dividends compounded and credited monthly.
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Statement Savings
Looking to start your savings off strong? How about a 8.00% APY2 kickstart on your first $500?
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StartStrong Savings
Designed for members ages 13-18 to help build healthy money habits. Jumpstart your savings with 8.00% APY2 on your first $500.
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M3 Money Club Savings
The M3 Money Club is for young members (12 and under) eager to build their savings. Start building.
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WinStrong Savings
WinStrong offers prize drawing entries in return for each $25 deposit made per month. The more you save the more chances you have to win!1 Start winning.
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StartStrong Goal Account
Pair your StartStrong Savings or Checking with a StartStrong Goal Account and save your way. Reach your long-term and short-term goals by earning 1.00% APY3.
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Best for:
Best for:
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APY
APY
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Minimum to open
Minimum to open
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Minimum monthly balance
Minimum monthly balance
- Apply today
Statement Savings
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Best for:
Members who want to benefit from high dividends on their first $500
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APY
8.00% 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
- Apply today
StartStrong Savings
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Best for:
Members who are ages 13 -18 and want to build healthy money habits
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APY
8.00% 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
- Apply today
M3 Money Club Savings
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Best for:
Members who are 12 and under and want to start building their savings
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APY
8.00% 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
- Apply today
WinStrong Savings
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Best for:
Members who want a little incentive to make monthly savings deposits of $25 or more
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APY
0.05% APY
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Minimum to open
$5.00
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Minimum monthly balance
None
- Apply today
All of our savings accounts are loaded with great features
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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.4
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Early ACH Credits
Payday just around the corner, but short on cash? Receive ACH credits, including Direct Deposits, up to one (1) business day early.
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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.
You’ll love our great rates
Savings Type |
Min. to Open |
Dividend Rate |
APY* |
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*APY=Annual Percentage Yield. 8.00% 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 8.00% APY and a $1,000.00 balance earning a 4.193% 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. The M3™ Money Club Savings is available to children Newborn to age 12. Dividend rates are effective as of November 1, 2024. All rates are subject to change, after account opening, without notice. |
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Savings Type Statement1 |
Min. to Open $5.00 |
Dividend Rate 7.721% |
APY* 8.00% |
Savings Type Senior Statement Savings1 |
Min. to Open $5.00 |
Dividend Rate 7.721% |
APY* 8.00% |
Savings Type M3 Money Club1 |
Min. to Open $5.00 |
Dividend Rate 7.721% |
APY* 8.00% |
Savings Type StartStrong Savings1 |
Min. to Open $5.00 |
Dividend Rate 7.721% |
APY* 8.00% |
Savings FAQs
We offer savings accounts for people of all ages, including: M3 Money Club (for those 12 years and under), StartStrong Savings (for those ages 13-18), 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.
There are no annual fees on any of your Jeanne D’Arc savings accounts.
M3 Money Club, Statement Savings, Senior Statement Savings, and StartStrong Savings Accounts earn a 8.00% 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.
Banking with us makes an impact
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In 2022, we raised,$110,000
for more than 141 local charities through our We Share a Common Thread Foundation 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.
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Ready to change your financial future?
Disclosures
1WinStrong 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.
2APY=Annual Percentage Yield. 8.00% 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 8.00% APY and a $1,000.00 balance earning a 4.193% 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. The M3™ Money Club Savings is available to children Newborn to age 12. Dividend rates are effective as of November 1, 2024. All rates are subject to change, after account opening, without notice.
3APY=Annual Percentage Yield. All rates are subject to change, after account opening, without notice. Fees could reduce earnings on the account. Requires a $5.00 minimum balance to open the account and earn APY. Members must have StartStrong Savings Account or StartStrong Checking Account in order to open a StartStrong Goal Account. Dividend rates are effective as of May 1, 2024.
4For business members, Members Perks is free with a Build Checking or BuildStrong Checking Account, and is $5.99 per month with a Community Checking account. For individuals, Member Perks is free for the first 90 days and then $5.99 per month, beginning on the first of the month after the 90-day free trial period has ended. Eligible consumer accounts include Fee Free Checking, Premier Checking, Senior Fee Free Checking, Senior Premier Checking, Statement Savings, Passbook Savings, Senior Statement Savings, Senior Passbook Savings and Money Market Savings.