A diverse group of teens sits outside on the grass in the summertime. A girl is laughing playfully and looking at the camera, while her friends smile and look into the distance.

Saving and Spending for Members Ages 13-18

StartStrong - Teen Accounts

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Building healthy money habits that will keep your finances on the right track.

StartStrong Experience

Featuring competitive rates, complimentary perks, reduced fees, and financial education resources.

  • Teen girl looking at selfie on phone with family

    StartStrong Savings

    Designed for members ages 13-18 to help build healthy money habits. Jumpstart your savings with 10.00% APY* on your first $500.

  • Teenagers at a fire pit eating pizza

    StartStrong Checking

    Learn to navigate hurdles and everyday spending with an optional VISA® Rewards Debit Card and budgeting tools like Money Compass.

  • Teen girls driving bumper cars at an amusement park.

    StartStrong Goal Acocunt

    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% APY**.

  • Best for:

    Best for:

  • APY

    APY

  • Minimum to open

    Minimum to open

  • Minimum monthly balance

    Minimum monthly balance

StartStrong Savings

  • Best for:

    Members who want to build healthy saving habits and benefits from high dividends on their first $500

  • APY

    10.00% 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

StartStrong Checking

  • Best for:

    Members who want develop smart spending habits. Manage your money with no minimum or monthly balance and reduced fees. 

  • APY

    N/A

  • Minimum to open

    $5.00

  • Minimum monthly balance

    None

StartStrong Goal Account

  • Best for:

    Members who want to save for a specific long-term or short-term goal

  • APY

    1.00% APY** compounded and credited monthly

  • Minimum to open

    $5.00

  • Minimum monthly balance

    None

The right tools for every age and stage

  • Online and Mobile Banking

    Access your account anytime, anywhere on a phone or other device.

  • Save Anywhere, Anytime

    You can deposit any amount of money anytime you like, online or in person.

  • Member Perks

    With Member Perks, save with discounted movie, sports, and entertainment tickets, plus Cash Back Rewards.

  • Money Compass

    A personal finance management tool, within Online Banking, that allows you to view and manage accounts you may have with financial institutions outside of Jeanne D’Arc.

  • Financial Education

    Financial Education resources available to give you the tools and know-how to take control of your finances.

  • Deposit Insurance

    Deposits are federally insured up to $250,000. Beyond that, deposits are insured by the Massachusetts Share Insurance Corporation (MSIC).

StartStrong FAQs

No, none of the Jeanne D’Arc Credit Union savings accounts have an annual fee. We want to give your money the best chance to grow!

The minimum amount to open a StartStrong Savings Account is just $5.00.

Jeanne D’Arc Credit Union StartStrong Savings Accounts earn 10.00% APY for the first $500 in your account and 0.05% for balances exceeding $500.

When opening a StartStrong Goal Account you will choose a disbursement date of February 1st, May 1st, August 1st, or November 1st. While we encourage sticking with your savings goals, you will not be charged with an early withdrawal fee if you need the funds before the chosen disbursement date.

Disclosures

*APY=Annual Percentage Yield. 10.00% 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 10.00% APY and a $1,000.00 balance earning a 5.287% 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.

**APY=Annual Percentage Yield. All rates are subject to changes, 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.