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%

Additional Savings Accounts

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.

2 Dividend rate is effective as of March 15, 2021. All rates are subject to change, after account opening, without notice. $5.00 Membership Account required.

3 Dividend rate is effective as of March 15, 2021. All rates are subject to change, after account opening, without notice. $5.00 Membership Account required.

4 $5.00 Membership Account is required for membership in Jeanne D’Arc Credit Union. No additional deposits are allowed.

Savings Type

Statement1

Min. to Open

$5.00

Dividend Rate

0.050%

APY*

0.05%

Savings Type

M3 Money Club1

Min. to Open

$5.00

Dividend Rate

0.050%

APY*

0.05%

Savings Type

WinStrong Savings Account2

Min. to Open

$5.00

Dividend Rate

0.050%

APY*

0.05%

Savings Type

Retirement IRA Statement3

Min. to Open

$5.00

Dividend Rate

0.399%

APY*

0.40%

Savings Type

Membership Account4

Min. to Open

$5.00

Dividend Rate

1.00%

APY*

1.00%

Open a Savings Account

Certificates of Deposit

Term

Min. to Open

Interest Rate

APY*

* APY = Annual Percentage Yield. Rates are effective as of November 22, 2022. A penalty may be imposed for early withdrawal. A $250.00 minimum balance and $5.00 membership account are required to open a Certificate of Deposit. Upon maturity, certificate may automatically roll into another term. Please check with a Member Service Representative for additional information.

**APY = Annual Percentage Yield. The rate is effective as of November 22, 2022. 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.

***This certificate is available with a one-time bump-up option.

 

 

Term

6 Months

Min. to Open

$250.00

Interest Rate

0.747%

APY*

0.75%

Term

12 Months

Min. to Open

$250.00

Interest Rate

0.995%

APY*

1.00%

Term

17 Months**- SPECIAL OFFER

Min. to Open

$250.00

Interest Rate

4.314%

APY*

4.40%

Term

18 Months

Min. to Open

$250.00

Interest Rate

1.243%

APY*

1.25%

Term

24 Months***

Min. to Open

$250.00

Interest Rate

1.342%

APY*

1.35%

Term

29 Months**- SPECIAL OFFER

Min. to Open

$250.00

Interest Rate

4.458%

APY*

4.55%

Term

36 Months

Min. to Open

$250.00

Interest Rate

1.490%

APY*

1.50%

Term

42 Months***

Min. to Open

$250.00

Interest Rate

1.588

APY*

1.60%

Term

48 Months

Min. to Open

$250.00

Interest Rate

1.638%

APY*

1.65%

Term

60 Months

Min. to Open

$250.00

Interest Rate

1.736%

APY*

1.75%

Open Now

Money Market Savings Rates

Dividend Rate

APY*

*APY= Annual Percentage Yield. Rates are effective as of November 22, 2022, and are subject to change, after account opening, without notice. Requires a $1,000 minimum balance to open the account and you must maintain a minimum daily balance of $1,000 in your account each day to obtain the disclosed APY. Fees could reduce earnings on the account. A $5.00 Membership Account Required.

$1,000 – $9,999.99

Dividend Rate

0.399%

APY*

0.40%

$10,000 – $24,999.99

Dividend Rate

0.449%

APY*

0.45%

$25,000 - $49,999.99

Dividend Rate

0.449%

APY*

0.45%

$50,000 - $99,999.99

Dividend Rate

0.499%

APY*

0.50%

$100,000 and over

Dividend Rate

0.549%

APY*

0.55%

Open Now

Mortgages

Rates**

APR

Payment per $1,000*

*Up to 80% Total Loan To Value. Other rates and terms available. Pmt Per $1,000 does not include taxes and insurance if applicable. The actual obligation will be greater than the payment shown.

** Rates are effective December 5, 2022, and are subject to change at any time. Conforming Purchase loan sizes up to $647,200 on one-unit properties. Conforming rates and APR based on $647,200.00 Purchase loan amount with FICO credit scores of 740 and loan to value no greater than 75%. Jumbo rates and APR based on a $647,200.01 Purchase loan amount with FICO credit scores of 740 and loan to value no greater than 75%. For adjustable-rate mortgages, rate may increase after consummation.

10 Year Fixed Conforming

Rates**

6.125%

APR

6.189%

Payment per $1,000*

$11.16

15 Year Fixed Conforming

Rates**

5.875%

APR

5.920%

Payment per $1,000*

$8.37

30 Year Fixed Conforming

Rates**

6.250%

APR

6.277%

Payment per $1,000*

$6.16

30 Year Fixed Jumbo

Rates**

6.250%

APR

6.277%

Payment per $1,000*

$6.16

5/1 ARM

Rates**

5.750%

APR

6.825%

Payment per $1,000*

$5.84

Home Equity Line of Credit

Rates**

APR1

Payment per $1,000*

*Up to 80% Total Loan To Value on Primary Residences. Up to 70% Total Loan To Value on Secondary Residences. Other rates and terms available. Pmt Per $1,000 does not include taxes and insurance if applicable. The actual obligation will be greater than payment shown.

**Rates are effective December1, 2022, and are subject to change at any time. Home Owners Insurance is required. Minimum line amount $10,000 and maximum line amount $250,000.

1 APR = Annual Percentage Rate. For all Home Equity Line of Credit, terms see Important Terms of our HELOC. $5.00 Membership Account Required. Up to 80% loan to value. Other rates and terms available. Home Equity Lines of Credit are only available on Primary Residence and Second Homes (70% Total Loan to Value). Home Equity Lines of Credit are only available in the states of Massachusetts and parts of New Hampshire.

20 Year

Rates**

7.000%

APR1

7.000%

Payment per $1,000*

$7.75

Home Equity Loans

Rates As Low As**

APR2

Payment per $1,000*

*Up to 80% Total Loan To Value. Other rates and terms available. Pmt Per $1,000 does not include taxes and insurance if applicable. The actual obligation will be greater than payment shown.

**Rates are effective November 14, 2022, and are subject to change at any time. Rates are determined by creditworthiness and combined loan-to-value (CLTV), so your rate could be higher. Rates shown are based on FICO credit scores of 740 or greater and a combined loan-to-value no greater than 80% for a Primary Residence.

2 APR = Annual Percentage Rate. Other rates and terms up to 20 years available. Borrow up to 95% (75% for Second Homes) of your home’s current value less any secure debt secured by your home with a minimum of $10,000 and a maximum of $250,000. Home Equity Loans are only available on Primary Residence and Second Homes. Home Equity Loans are only available in the states of Massachusetts and parts of New Hampshire. $5.00 Membership Account Required.

10 Year

Rates As Low As**

5.99%

APR2

5.99%

Payment per $1,000*

$11.10

15 Year

Rates As Low As**

5.99%

APR2

5.99%

Payment per $1,000*

$8.43

20 Year

Rates As Low As**

6.74%

APR2

6.74%

Payment per $1,000*

$7.60

 

Apply Now

Personal Checking

Checking Type

Min. to Open

Dividend Rate

APY*

* APY = Annual Percentage Yield. All rates are subject to change, after account opening, without notice. Fees could reduce earnings on the account. View Jeanne D’Arc Credit Union’s Truth In Savings Disclosure for additional terms and conditions.

Checking Type

Fee Free

Min. to Open

$5

Dividend Rate

N/A

APY*

N/A

Checking Type

Premier Checking

Min. to Open

$25

Dividend Rate

0.050%

APY*

0.05%

Open Now

Overdraft Line of Credit

APR*

* APR= Annual Percentage Rate. APR is determined by Credit Score and actual rates may vary. All rates/APRs listed are accurate as of the effective date and are subject to change without notice. Please contact a Jeanne D’Arc Credit Union Member Service Representative for more information about applicable fees and terms.

Overdraft Line of Credit

APR*

18.00%

Business BuildStrong Checking

Balance

Dividend Rate*

APY**

First check order is free for standard checks or $50 rebate for business checks.

* Dividends are calculated using the daily balance method which applies a periodic rate to the daily balance in the account for that period.

** APY = Annual Percentage Yield. Rates are effective as of March 15, 2021, and are subject to change, after account opening, without notice. Requires a $1,000 minimum balance to open the account and you must maintain a minimum daily balance of $1,000 in your account each day to obtain the disclosed APY. Fees could reduce earnings on the account. A $5.00 Membership Account Required.

Balance

$10,000 – $24,999.99

Dividend Rate*

0.150%

APY**

0.15%

Balance

$25,000 – $49,999.99

Dividend Rate*

0.150%

APY**

0.15%

Balance

$50,000 – $99,999.99

Dividend Rate*

0.200%

APY**

0.20%

Balance

$100,000 and over

Dividend Rate*

0.250%

APY**

0.25%

Apply Now

Business Savings Account

Balance

Dividend Rate

APY*

Min Average Daily Balance to Earn

Balance

Any

Dividend Rate

0.05%

APY*

0.05%

Min Average Daily Balance to Earn

0.05%

Business Certificates of Deposit

Term

Min. to Open

Interest Rate

APY*

* APY = Annual Percentage Yield. Rates are effective as of November 16, 2022. A penalty may be imposed for early withdrawal. A $250.00 minimum balance and $5.00 membership account are required to open a Certificate of Deposit. Upon maturity, certificate may automatically roll into another term. Please check with a Member Service Representative for additional information.

**APY = Annual Percentage Yield. The rate is effective as of November 22, 2022. 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.

*** This certificate is available with a one-time bump-up option.

 

Term

6 Months

Min. to Open

$250.00

Interest Rate

0.747%

APY*

0.75%

Term

12 Months

Min. to Open

$250.00

Interest Rate

0.995%

APY*

1.00%

Term

17 Months**- SPECIAL OFFER

Min. to Open

$250.00

Interest Rate

4.314%

APY*

4.40%

Term

18 Months

Min. to Open

$250.00

Interest Rate

1.243%

APY*

1.25%

Term

24 Months***

Min. to Open

$250.00

Interest Rate

1.342%

APY*

1.35%

Term

29 Months**- SPECIAL OFFER

Min. to Open

$250.00

Interest Rate

4.458%

APY*

4.55%

Term

36 Months

Min. to Open

$250.00

Interest Rate

1.490%

APY*

1.50%

Term

42 Months***

Min. to Open

$250.00

Interest Rate

1.588%

APY*

1.60%

Term

48 Months

Min. to Open

$250.00

Interest Rate

1.638%

APY*

1.65%

Term

60 Months

Min. to Open

$250.00

Interest Rate

1.736%

APY*

1.75%

Open Now

VISA® Credit Cards

Credit Card

Introductory APR*

APR

* 1.99% introductory APR for the first 6 months after account opening, based on your program and creditworthiness. After that, your APR will be 7.99% to 15.99%, based on your program and creditworthiness.

Credit Card

VISA® Credit Card

Introductory APR*

1.99% on purchases, cash advance, balance transfers

APR

7.99% – 15.99% on purchases, cash advance, balance transfers

Apply Now

Business VISA® Credit Cards

Credit Card

Introductory APR*

APR

* 1.99% introductory APR for the first 6 months after account opening, based on your program and creditworthiness. After that, your APR will be 7.99% to 15.99%, based on your program and creditworthiness.

Credit Card

Business VISA® Credit Card

Introductory APR*

1.99% on purchases, cash advance, balance transfers

APR

9.99% – 15.99% on purchases, cash advance, balance transfers

Apply Now

New and Used Auto Loans

Model Year

Maximum Term

APR as low as*

Payment per $1000 borrowed

*APR = Annual Percentage Rate. 4.99% APR for up to a 65-month term and is based on your personal credit history. Other rates and terms available. 4.99% APR is for the purchase of a 2020, 2021 and 2022 model automobile. Payments reflect principal and interest only. A 65-month rate is payable in 65 monthly payments of $17.59 per $1,000.00 borrowed. Stated rates are .50% higher without automatic payment. Rates as of 11/15/2022 and are subject to change without notice. All auto loans will include an additional $41 VSI charge and a $5.00 Membership Account is required.

Model Year

2020 – 2022

Maximum Term

36 months

APR as low as*

4.99%

Payment per $1000 borrowed

$29.97

Model Year

2020 - 2022

Maximum Term

48 Months

APR as low as*

4.99%

Payment per $1000 borrowed

$23.02

Model Year

2020 - 2022

Maximum Term

65 Months

APR as low as*

4.99%

Payment per $1000 borrowed

$17.59

Model Year

2020 - 2022

Maximum Term

75 Months

APR as low as*

5.74%

Payment per $1000 borrowed

$15.90

Model Year

2020 - 2022

Maximum Term

84 Months

APR as low as*

6.49%

Payment per $1000 borrowed

$14.84

Model Year

2017 - 2019

Maximum Term

48 Months

APR as low as*

4.99%

Payment per $1000 borrowed

$23.02

Model Year

2017 - 2019

Maximum Term

65 Months

APR as low as*

4.99%

Payment per $1000 borrowed

$17.59

Model Year

2017 - 2019

Maximum Term

75 Months

APR as low as*

6.24%

Payment per $1000 borrowed

$16.14

Model Year

2012 - 2016

Maximum Term

65 Months

APR as low as*

5.74%

Payment per $1000 borrowed

$17.94

Apply Now

Motorcycle Loan Rates

Model Year

Maximum Term

APR as low as**

Payment per $1000 borrowed

Stated rates are 0.50% higher without automatic payment of loan.

**APR = Annual Percentage Rate. 5.49% APR for up to a 65-month term and is based on your personal credit history. Other rates and terms available. 5.49% APR is for the purchase of a 2017, 2018, 2019, 2020, 2021 and 2022 model motorcycle. Payments reflect principal and interest only. A 65-month rate is payable in 65 monthly payments of $17.82 per $1,000.00 borrowed. Stated rates are .50% higher without automatic payment. Rates as of 1/1/2022 and are subject to change without notice. All auto loans will include an additional $41 VSI charge and a $5.00 Membership Account is required.

Model Year

2017 - 2022

Maximum Term

36 months

APR as low as**

5.49%

Payment per $1000 borrowed

$30.19

Model Year

2017 - 2022

Maximum Term

48 Months

APR as low as**

5.49%

Payment per $1000 borrowed

$23.25

Model Year

2017 - 2022

Maximum Term

65 Months

APR as low as**

5.49%

Payment per $1000 borrowed

$17.82

Model Year

2017 - 2022

Maximum Term

75 Months

APR as low as**

7.24%

Payment per $1000 borrowed

$16.62

Model Year

2014 - 2016

Maximum Term

36 Months

APR as low as**

6.49%

Payment per $1000 borrowed

$30.64

Model Year

2014 - 2016

Maximum Term

48 Months

APR as low as**

6.49%

Payment per $1000 borrowed

$23.71

Model Year

2014 - 2016

Maximum Term

65 Months

APR as low as**

8.49%

Payment per $1000 borrowed

$19.25

Apply Now

Boat & RV Loan Rates

Model Year

Maximum Term

APR as low as***

Payment per $1000 borrowed

***APR = Annual Percentage Rate. APR is determined based on applicant’s credit score. Actual rates may vary. Stated rates are .50% higher without automatic payment. All rates listed are effective as of 1/1/2022 and are subject to change without notice. $5.00 Membership Account is required. Please contact a Jeanne D’Arc Credit Union Member Services Representative for more information about applicable fees and terms.

Model Year

2020 – 2022

Maximum Term

3 Years

APR as low as***

6.99%

Payment per $1000 borrowed

$30.87

Model Year

2020 – 2022

Maximum Term

4 Years

APR as low as***

6.99%

Payment per $1000 borrowed

$23.94

Model Year

2020 – 2022

Maximum Term

5 Years

APR as low as***

7.99%

Payment per $1000 borrowed

$20.27

Model Year

2020 – 2022

Maximum Term

7 Years

APR as low as***

9.75%

Payment per $1000 borrowed

$16.47

Model Year

2020 – 2022

Maximum Term

15 Years

APR as low as***

10.50%

Payment per $1000 borrowed

$11.05

Model Year

2014 - 2019

Maximum Term

3 Years

APR as low as***

8.50%

Payment per $1000 borrowed

$31.57

Model Year

2014 - 2019

Maximum Term

4 Years

APR as low as***

9.50%

Payment per $1000 borrowed

$25.12

Model Year

2014 - 2019

Maximum Term

5 Years

APR as low as***

9.75%

Payment per $1000 borrowed

$21.12

Model Year

2014 - 2019

Maximum Term

7 Years

APR as low as***

10.75%

Payment per $1000 borrowed

$16.99

Model Year

2014 - 2019

Maximum Term

10 Years

APR as low as***

11.50%

Payment per $1000 borrowed

$14.06

Apply Now

Secured Loans

Type

Term

APR*

Type

Savings Secured

Term

Up to 5 Years

APR*

3% over Savings Rate

Type

Certificate of Deposit Secured

Term

Up to maturity date

APR*

3% over Certificate of Deposit Rate

Apply Now

Personal (Unsecured) Loans

Term

APR as low as*

Payment per $1,000 borrowed

Stated rates are 0.50% higher without automatic payment of loan.

* APR = Annual Percentage Rate. APR is determined by Credit Score and actual rates may vary. All rates/APRs listed are accurate as of the effective date and are subject to change without notice. Please contact a Jeanne D’Arc Credit Union Member Service Representative for more information about applicable fees and terms.

Term

1 Year

APR as low as*

9.00%

Payment per $1,000 borrowed

$87.45

Term

2 Years

APR as low as*

10.00%

Payment per $1,000 borrowed

$46.14

Term

3 Years

APR as low as*

11.00%

Payment per $1,000 borrowed

$32.74

Term

4 Years

APR as low as*

11.50%

Payment per $1,000 borrowed

$26.09

Apply Now