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Personal Savings Accounts

Save for the future you’ve always wanted

Open a savings account

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.

  • daughter-mother-laughing-mcti1

    Statement Savings

    Looking to start your savings off strong? How about a 5.00% APY2 kickstart 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 start building their savings.

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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!Start winning.

  • Best for:

    Best for:

  • APY

    APY

  • Minimum to open

    Minimum to open

  • Minimum monthly balance

    Minimum monthly balance

  • Apply today

Statement Savings

  • Best for:

    Members who want to benefit from high dividends on their first $500

  • APY

    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

  • Apply today

M3 Money Club Savings

  • Best for:

    Members who are 12 and under and want to start building their savings

  • APY

    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

  • Apply today

WinStrong Savings

  • Best for:

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

  • APY

    0.05% APY

  • Minimum to open

    $5.00

  • Minimum monthly balance

    None

  • Apply today

All of our savings accounts are loaded with great features

  • 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.

  • 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).

  • No Monthly Fees

    All of our savings accounts are free of monthly fees and minimum balances to ensure that your money keeps growing.

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.

You’ll love our great rates

Primary Savings Account

Savings Type

Min. to Open

Dividend Rate

APY*

1 APY = Annual Percentage Yield. 5.00% 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. The M3™ Money Club Savings is available to children Newborn to age 12. Dividend rates are effective as of April 1, 2021. All rates are subject to change, after account opening, without notice.

Savings Type

Statement1

Min. to Open

$5.00

Dividend Rate

4.889%

APY*

5.00%

Savings Type

M3 Money Club1

Min. to Open

$5.00

Dividend Rate

4.889%

APY*

5.00%

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.

There are no annual fees on any of your Jeanne D’Arc savings accounts.

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.

Banking with us makes an impact

  • In 2020, we raised,
    80k

    for more than 105 local charities through our We Share a Common Thread virtual fundraiser.

  • In 2020, we offered
    $17k

    in scholarships to 21 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

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. 5.00% 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. The M3™ Money Club Savings is available to children Newborn to age 12. Dividend rates are effective as of April 1, 2021. All rates are subject to change, after account opening, without notice.

3For 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.