Effective July 1, 2025, we are making changes to our Funds Availability Policy for checks deposited to your account. For complete details and to learn more, click here.

Routing #211383846

Routing #211383846

Rates

Primary Savings Account
Savings Type	Min. to Open	Dividend Rate	APY*
^*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.
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%

Additional Savings Accounts
Savings Type	Min. to Open	Dividend Rate	APY*
¹ APY=Annual Percentage Yield. A dividend rate of 0.05% will be paid on the balance in your account. Requires a $5.00 minimum balance to open the account. Fees could reduce earnings. The M3™ Money Club Savings is available to children Newborn through age 12. Dividend rates are effective as of March 15, 2021. All rates are subject to change, after account opening, without notice. ² 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. 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. ⁴Dividend rate is effective as of March 15, 2021. All rates are subject to change, after account opening, without notice. $5.00 Membership Account required. ⁵ $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 StartStrong Goal Account²	Min. to Open $5.00	Dividend Rate 0.995%	APY* 1.00%
Savings Type WinStrong Savings Account³	Min. to Open $5.00	Dividend Rate 0.050%	APY* 0.05%
Savings Type Retirement IRA Statement⁴	Min. to Open $5.00	Dividend Rate 0.399%	APY* 0.40%
Savings Type Membership Account⁵	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 March 31, 2025. 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. **This certificate is available with a one-time bump-up option.
Term 6 Months - SPECIAL OFFER	Min. to Open $250.00	Interest Rate 3.928%	APY* 4.00%
Term 12 Months	Min. to Open $250.00	Interest Rate 1.490%	APY* 1.50%
Term 14 Months-SPECIAL OFFER	Min. to Open $250.00	Interest Rate 3.928%	APY* 4.00%
Term 18 Months	Min. to Open $250.00	Interest Rate 1.736%	APY* 1.75%
Term 24 Months**	Min. to Open $250.00	Interest Rate 1.834%	APY* 1.85%
Term 30 Months	Min. to Open $250.00	Interest Rate 1.982%	APY* 2.00%
Term 36 Months	Min. to Open $250.00	Interest Rate 1.982%	APY* 2.00%
Term 42 Months**	Min. to Open $250.00	Interest Rate 2.227%	APY* 2.25%
Term 48 Months	Min. to Open $250.00	Interest Rate 2.227%	APY* 2.25%
Term 60 Months	Min. to Open $250.00	Interest Rate 2.472%	APY* 2.50%

Money Market Savings Rates
	Dividend Rate	APY*
*APY= Annual Percentage Yield. Rates are effective as of March 31, 2023, 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 0.499%	APY* 0.50%
$10,000 – $24,999.99	Dividend Rate 0.549%	APY* 0.55%
$25,000 - $49,999.99	Dividend Rate 0.549%	APY* 0.55%
$50,000 - $99,999.99	Dividend Rate 0.598%	APY* 0.60%
$100,000 and over	Dividend Rate 0.648%	APY* 0.65%

Adjustable Rate Mortgages (ARM)
Program	Months	Points	Rates	APR**	Initial/Annual/Lifetime Rate Caps	Margin/index	Pmt Per $1,000
^Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time. Rates are effective July 16, 2025 and are subject to change at any time, and may increase. Rates apply to loans up to $806,500.00 (also known as “conforming mortgages”). *APR – Annual Percentage Rate. Please note that APR may increase after consummation. Conforming rates and APR based on $806,500.00 loan amount with FICO credit scores of 740 and loan to value no greater than 75%. Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan. Since the index in the future is unknown, the first adjustment payments displayed are based on the current index plus the margin (fully indexed rate) as of the effective date above.
Program 10/1 ARM	Months -	Points -	Rates Call for quote	APR** -	Initial/Annual/Lifetime Rate Caps -	Margin/index -	Pmt Per $1,000 -
Program 7/1 ARM	Months First 84 Next 276	Points 0%	Rates 5.990% 6.875%	APR** 6.442%	Initial/Annual/Lifetime Rate Caps 2% / 2% / 5%	Margin/index 2.75% / 4.08%	Pmt Per $1,000 $5.99 $6.47
Program 5/1 ARM	Months First 60 Next 300	Points 0%	Rates 5.750% 6.875%	APR** 6.453%	Initial/Annual/Lifetime Rate Caps 2% / 2% / 5%	Margin/index 2.75% / 4.08%	Pmt Per $1,000 $5.84 $6.48
Program 3/1 ARM	Months -	Points -	Rates Call for quote	APR** -	Initial/Annual/Lifetime Rate Caps -	Margin/index -	Pmt Per $1,000 -

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. *APR = Annual Percentage Rate. Rates are effective July 16, 2025 and are subject to change at any time. Rates apply to Conforming mortgages and must meet secondary market guidelines. Conforming Purchase loan sizes up to $806,500.00 on one-unit properties. Conforming rates and APR based on $806,500.00 Purchase loan amount with FICO credit scores of 740 and loan to value no greater than 75%. Jumbo rates and APR based on a $806,500.01 Purchase loan amount with FICO credit scores of 760 and loan to value no greater than 75%. Sample Rates are shown. Rates are based on certain factors including loan amount, creditworthiness, loan-to-value (LTV), loan purpose, etc., and your rate may be higher. Additional loan programs are available.
30 Year Fixed	Rates** 6.625%	APR 6.649%	Payment per $1,000* $6.40
30 Year Fixed Jumbo	Rates** 6.625%	APR 6.649%	Payment per $1,000* $6.40
15 Year Fixed	Rates** 6.125%	APR 6.163%	Payment per $1,000* $8.51
10 Year Fixed	Rates** 6.000%	APR 6.054%	Payment per $1,000* $11.10

Home Equity Line of Credit*
	Rates**	APR¹
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. The actual obligation will be greater than payment shown. *Rates are effective January 1, 2025, 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. HELOC Consumer Guide
20 Year	Rates** 7.500%	APR¹ 7.500%

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 as of October 4, 2024 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** 7.49%	APR² 7.49%	Payment per $1,000* $11.86
15 Year	Rates As Low As** 7.74%	APR² 7.74%	Payment per $1,000* $9.41
20 Year	Rates As Low As** 7.74%	APR² 7.74%	Payment per $1,000* $8.20

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%

Overdraft Line of Credit
	APR*
* APR= Annual Percentage Rate. 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. $5.00 Membership Account is Required.
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%

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 March 31, 2025. 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. **This certificate is available with a one-time bump-up option.
Term 6 Months- SPECIAL OFFER	Min. to Open $250.00	Interest Rate 3.928%	APY* 4.00%
Term 12 Months	Min. to Open $250.00	Interest Rate 1.490%	APY* 1.50%
Term 14 Months- SPECIAL OFFER	Min. to Open $250.00	Interest Rate 3.928%	APY* 4.00%
Term 18 Months	Min. to Open $250.00	Interest Rate 1.736%	APY* 1.75%
Term 24 Months**	Min. to Open $250.00	Interest Rate 1.834%	APY* 1.85%
Term 30 Months	Min. to Open $250.00	Interest Rate 1.982%	APY* 2.00%
Term 36 Months	Min. to Open $250.00	Interest Rate 1.982%	APY* 2.00%
Term 42 Months**	Min. to Open $250.00	Interest Rate 2.227%	APY* 2.25%
Term 48 Months	Min. to Open $250.00	Interest Rate 2.227%	APY* 2.25%
Term 60 Months	Min. to Open $250.00	Interest Rate 2.472%	APY* 2.50%

Business Money Market Demand Rates
	Dividend Rate	APY*
*APY= Annual Percentage Yield. Rates are effective as of June 30, 2025, 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 0.499%	APY* 0.50%
$10,000 – $24,999.99	Dividend Rate 0.747%	APY* 0.75%
$25,000 - $49,999.99	Dividend Rate 1.243%	APY* 1.25%
$50,000 - $99,999.99	Dividend Rate 1.736%	APY* 1.75%
$100,000 and over	Dividend Rate 2.716%	APY* 2.75%

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

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 9.99% 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

New and Used Auto Loans
Model Year	Maximum Term	APR as low as*	Payment per $1000 borrowed
*APR = Annual Percentage Rate. 5.75% APR for up to a 65-month term and is based on your personal credit history. Other rates and terms available. 5.75% APR is for the purchase of a 2023, 2024 and 2025 model automobile. Payments reflect principal and interest only. A 65-month rate is payable in 65 monthly payments of $17.94 per $1,000.00 borrowed. Stated rates are .50% higher without automatic payment. Rates as of 1/17/2025 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 2025 – 2023	Maximum Term 36 months	APR as low as* 5.75%	Payment per $1000 borrowed $30.31
Model Year 2025 – 2023	Maximum Term 48 Months	APR as low as* 5.75%	Payment per $1000 borrowed $23.37
Model Year 2025 – 2023	Maximum Term 65 Months	APR as low as* 5.75%	Payment per $1000 borrowed $17.94
Model Year 2025 – 2023	Maximum Term 75 Months	APR as low as* 6.24%	Payment per $1000 borrowed $16.14
Model Year 2025 – 2023	Maximum Term 84 Months	APR as low as* 6.99%	Payment per $1000 borrowed $15.09
Model Year 2022-2020	Maximum Term 48 Months	APR as low as* 5.75%	Payment per $1000 borrowed $23.37
Model Year 2022-2020	Maximum Term 65 Months	APR as low as* 5.75%	Payment per $1000 borrowed $17.94
Model Year 2022-2020	Maximum Term 75 Months	APR as low as* 6.74%	Payment per $1000 borrowed $16.38
Model Year 2019-2015	Maximum Term 65 Months	APR as low as* 6.25%	Payment per $1000 borrowed $18.18

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. 6.25% APR for up to a 65-month term and is based on your personal credit history. Other rates and terms available. 6.25% APR is for the purchase of a 2020, 2021, 2022, 2023, 2024 and 2025 model motorcycle. Payments reflect principal and interest only. A 65-month rate is payable in 65 monthly payments of $18.18 per $1,000.00 borrowed. Stated rates are .50% higher without automatic payment. Rates as of 1/17/2025 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 2025 - 2020	Maximum Term 36 months	APR as low as** 6.25%	Payment per $1000 borrowed $30.54
Model Year 2025 - 2020	Maximum Term 48 Months	APR as low as** 6.25%	Payment per $1000 borrowed $23.60
Model Year 2025 - 2020	Maximum Term 65 Months	APR as low as** 6.25%	Payment per $1000 borrowed $18.18
Model Year 2025 - 2020	Maximum Term 75 Months	APR as low as** 7.74%	Payment per $1000 borrowed $16.86
Model Year 2019 - 2017	Maximum Term 36 Months	APR as low as** 6.99%	Payment per $1000 borrowed $30.87
Model Year 2019 - 2017	Maximum Term 48 Months	APR as low as** 6.99%	Payment per $1000 borrowed $23.94
Model Year 2019 - 2017	Maximum Term 65 Months	APR as low as** 8.99%	Payment per $1000 borrowed $19.49

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 1/17/2025 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 2025 - 2023	Maximum Term 3 Years	APR as low as*** 7.75%	Payment per $1000 borrowed $31.22
Model Year 2025 - 2023	Maximum Term 4 Years	APR as low as*** 7.75%	Payment per $1000 borrowed $24.30
Model Year 2025 - 2023	Maximum Term 5 Years	APR as low as*** 8.75%	Payment per $1000 borrowed $20.64
Model Year 2025 - 2023	Maximum Term 7 Years	APR as low as*** 10.25%	Payment per $1000 borrowed $16.73
Model Year 2025 - 2023	Maximum Term 15 Years	APR as low as*** 11.00%	Payment per $1000 borrowed $11.37
Model Year 2022 - 2017	Maximum Term 3 Years	APR as low as*** 9.25%	Payment per $1000 borrowed $31.92
Model Year 2022 - 2017	Maximum Term 4 Years	APR as low as*** 10.25%	Payment per $1000 borrowed $25.48
Model Year 2022 - 2017	Maximum Term 5 Years	APR as low as*** 10.50%	Payment per $1000 borrowed $21.49
Model Year 2022 - 2017	Maximum Term 7 Years	APR as low as*** 11.25%	Payment per $1000 borrowed $17.25
Model Year 2022 - 2017	Maximum Term 10 Years	APR as low as*** 12.00%	Payment per $1000 borrowed $14.35

Secured Loans
Type	Term	APR*
* APR = Annual Percentage Rate. APR is determined by Credit Score and actual rates may vary. All rates/APRs listed are accurate as of January 1, 2025 and are subject to change without notice. $5.00 Membership Account is required. Please contact a Jeanne D’Arc Credit Union Member Service Representative for more information about applicable fees and terms.
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

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 January 1, 2025 and are subject to change without notice. $5.00 Membership Account is required. 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* 9.99%	Payment per $1,000 borrowed $87.91
Term 2 Years	APR as low as* 10.99%	Payment per $1,000 borrowed $46.60
Term 3 Years	APR as low as* 11.99%	Payment per $1,000 borrowed $33.21
Term 4 Years	APR as low as* 12.99%	Payment per $1,000 borrowed $26.82