Rates
|
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. |
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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 0.10% |
APY* 0.10% |
|
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. |
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|
Overdraft Line of Credit |
APR* 18.00% |
|
Savings Type |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
1 APY = Annual Percentage Yield. 7.00% 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 7.00% APY and a $1,000.00 balance earning a 3.654% 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, 2020. 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 6.78% |
APY* 7.00% |
|
Savings Type M3 Money Club1 |
Min. to Open $5.00 |
Dividend Rate 6.78% |
APY* 7.00% |
|
Savings Type |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
1 APY=Annual Percentage Yield. 7.00% 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 7.00% APY and a $1,000.00 balance earning a 3.654% 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, 2020. All rates are subject to change, after account opening, without notice. 2 Dividend rate is effective as of December 23, 2020. All rates are subject to change, after account opening, without notice. $5.00 Membership Account required. 3 Dividend rate is effective as of July 15, 2015. 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. |
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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 0.50% |
APY* 0.50% |
|
Savings Type Membership Account4 |
Min. to Open $5.00 |
Dividend Rate 1.00% |
APY* 1.00% |
|
Term |
Min. to Open |
Interest Rate |
APY* |
|---|---|---|---|
|
* APY = Annual Percentage Yield. Rates are effective as of February 1, 2021. A penalty may be imposed for early withdrawal. A $250.00 minimum balance is 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. |
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Term 6 Months |
Min. to Open $250.00 |
Interest Rate 0.250% |
APY* 0.25% |
|
Term 12 Months |
Min. to Open $250.00 |
Interest Rate 0.349% |
APY* 0.35% |
|
Term 18 Months |
Min. to Open $250.00 |
Interest Rate 0.399% |
APY* 0.40% |
|
Term 24 Months** |
Min. to Open $250.00 |
Interest Rate 0.449% |
APY* 0.45% |
|
Term 30 Months |
Min. to Open $250.00 |
Interest Rate 0.499% |
APY* 0.50% |
|
Term 36 Months |
Min. to Open $250.00 |
Interest Rate 0.549% |
APY* 0.55% |
|
Term 42 Months** |
Min. to Open $250.00 |
Interest Rate 0.598% |
APY* 0.60% |
|
Term 48 Months |
Min. to Open $250.00 |
Interest Rate 0.598% |
APY* 0.60% |
|
Term 60 Months |
Min. to Open $250.00 |
Interest Rate 0.648% |
APY* 0.65% |
|
Dividend Rate |
APY* |
|
|---|---|---|
|
*APY= Annual Percentage Yield. Rates are effective as of February 1, 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. |
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$1,000 – $9,999.99 |
Dividend Rate 0.200% |
APY* 0.20% |
|
$10,000 – $24,999.99 |
Dividend Rate 0.250% |
APY* 0.25% |
|
$25,000 - $49,999.99 |
Dividend Rate 0.250% |
APY* 0.25% |
|
$50,000 - $99,999.99 |
Dividend Rate 0.300% |
APY* 0.30% |
|
$100,000 and over |
Dividend Rate 0.349% |
APY* 0.35% |
|
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 February 1, 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. |
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|
Balance $10,000 – $24,999.99 |
Dividend Rate* 0.250% |
APY** 0.25% |
|
Balance $25,000 – $49,999.99 |
Dividend Rate* 0.250% |
APY** 0.25% |
|
Balance $50,000 – $99,999.99 |
Dividend Rate* 0.300% |
APY** 0.30% |
|
Balance $100,000 and over |
Dividend Rate* 0.349% |
APY** 0.35% |
|
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% |
|
Term |
Min. to Open |
Interest Rate |
APY* |
|---|---|---|---|
|
* APY = Annual Percentage Yield. Rates are effective as of February 1, 2021. A penalty may be imposed for early withdrawal. A $250.00 minimum balance is 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. |
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Term 6 Months |
Min. to Open $250.00 |
Interest Rate 0.250% |
APY* 0.25% |
|
Term 12 Months |
Min. to Open $250.00 |
Interest Rate 0.349% |
APY* 0.35% |
|
Term 18 Months |
Min. to Open $250.00 |
Interest Rate 0.399% |
APY* 0.40% |
|
Term 24 Months** |
Min. to Open $250.00 |
Interest Rate 0.449% |
APY* 0.45% |
|
Term 30 Months |
Min. to Open $250.00 |
Interest Rate 0.499% |
APY* 0.50% |
|
Term 36 Months |
Min. to Open $250.00 |
Interest Rate 0.549% |
APY* 0.55% |
|
Term 42 Months** |
Min. to Open $250.00 |
Interest Rate 0.598% |
APY* 0.60% |
|
Term 48 Months |
Min. to Open $250.00 |
Interest Rate 0.598% |
APY* 0.60% |
|
Term 60 Months |
Min. to Open $250.00 |
Interest Rate 0.648% |
APY* 0.65% |
|
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 payment shown. ** Rates are effective February 8, 2021 and are subject to change at any time. Conforming Purchase loan sizes up to $548,250 on one unit properties. Conforming rates and APR based on $548,250.00 Purchase loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $548,250.01 Purchase loan amount with FICO credit scores of 780 and loan to value no greater than 75%. For adjustable rate mortgages, rate may increase after consummation. |
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30 Year Fixed Conforming |
Rates** 3.250% |
APR 3.371% |
Payment per $1,000* $4.35 |
|
15 Year Fixed Conforming |
Rates** 3.125% |
APR 3.341% |
Payment per $1,000* $6.97 |
|
30 Year Fixed Jumbo |
Rates** 3.625% |
APR 3.753% |
Payment per $1,000* $4.56 |
|
10/1 ARM |
Rates** 3.500% |
APR 3.349% |
Payment per $1,000* $4.49 |
|
7/1 ARM |
Rates** 3.250% |
APR 3.138% |
Payment per $1,000* $4.35 |
|
5/1 ARM |
Rates** 2.990% |
APR 3.003% |
Payment per $1,000* $4.21 |
|
3/1 ARM |
Rates** 2.990% |
APR 2.990% |
Payment per $1,000* $4.21 |
|
Rates** |
APR1 |
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 January 15, 2021 and are subject to change at any time. Conforming Purchase loan sizes up to $548,250 on one unit properties. Conforming rates and APR based on $548,250.00 Purchase loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $548,250.01 Purchase loan amount with FICO credit scores of 780 and loan to value no greater than 75%. For adjustable rate mortgages, rate may increase after consummation. 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. Home Equity Lines of Credit are only available in the states of Massachusetts and New Hampshire. |
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20 Year |
Rates** 3.25% |
APR1 3.25% |
Payment per $1,000* $5.67 |
|
Rates** |
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 January 15, 2021 and are subject to change at any time. Conforming Purchase loan sizes up to $548,250 on one unit properties. Conforming rates and APR based on $548,250.00 Purchase loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $548,250.01 Purchase loan amount with FICO credit scores of 780 and loan to value no greater than 75%. For adjustable rate mortgages, rate may increase after consummation. 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 New Hampshire. Rates as of January 09, 2019 and are subject to change without notice. $5.00 Membership Account Required. |
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10 Year |
Rates** 4.49% |
APR2 4.49% |
Payment per $1,000* $10.36 |
|
15 Year |
Rates** 4.49% |
APR2 4.49% |
Payment per $1,000* $7.64 |
|
20 Year |
Rates** 5.49% |
APR2 5.49% |
Payment per $1,000* $6.87 |
|
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. |
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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 |
|
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. |
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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 |
|
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. 1.99% APR for up to a 36-month term and is based on your personal credit history. Other rates and terms available. 1.99% APR is for the purchase of a 2018, 2019 and 2020 model automobile. Payments reflect principal and interest only. A 36-month rate is payable in 36 monthly payments of $28.64 per $1,000.00 borrowed. Stated rates are .50% higher without automatic payment. Rates as of 3/10/2020 and are subject to change without notice. A $5.00 Membership Account is required. |
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Model Year 2019 – 2021 |
Maximum Term 36 months |
APR as low as* 1.99% |
Payment per $1000 borrowed $28.64 |
|
Model Year 2019 - 2021 |
Maximum Term 48 Months |
APR as low as* 2.20% |
Payment per $1000 borrowed $21.78 |
|
Model Year 2019 - 2021 |
Maximum Term 65 Months |
APR as low as* 2.20% |
Payment per $1000 borrowed $16.33 |
|
Model Year 2019 - 2021 |
Maximum Term 75 Months |
APR as low as* 2.99% |
Payment per $1000 borrowed $14.63 |
|
Model Year 2019 - 2021 |
Maximum Term 84 Months |
APR as low as* 3.74% |
Payment per $1000 borrowed $13.55 |
|
Model Year 2016 - 2018 |
Maximum Term 48 Months |
APR as low as* 2.20% |
Payment per $1000 borrowed $21.78 |
|
Model Year 2016 - 2018 |
Maximum Term 65 Months |
APR as low as* 2.49% |
Payment per $1000 borrowed $16.46 |
|
Model Year 2016 - 2018 |
Maximum Term 75 Months |
APR as low as* 3.74% |
Payment per $1000 borrowed $14.97 |
|
Model Year 2011 - 2015 |
Maximum Term 65 Months |
APR as low as* 2.95% |
Payment per $1000 borrowed $16.67 |
|
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 2015, 2016, 2017, 2018, 2019 and 2020 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 1/1/2020 and are subject to change without notice. A $5.00 Membership Account is required. |
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|
Model Year 2016 – 2021 |
Maximum Term 36 months |
APR as low as** 5.49% |
Payment per $1000 borrowed $30.19 |
|
Model Year 2016 - 2021 |
Maximum Term 48 Months |
APR as low as** 5.49% |
Payment per $1000 borrowed $23.25 |
|
Model Year 2016 - 2021 |
Maximum Term 65 Months |
APR as low as** 5.49% |
Payment per $1000 borrowed $17.82 |
|
Model Year 2016 - 2021 |
Maximum Term 75 Months |
APR as low as** 7.24% |
Payment per $1000 borrowed $16.62 |
|
Model Year 2013 - 2015 |
Maximum Term 36 Months |
APR as low as** 6.49% |
Payment per $1000 borrowed $30.64 |
|
Model Year 2013 - 2015 |
Maximum Term 48 Months |
APR as low as** 6.49% |
Payment per $1000 borrowed $23.71 |
|
Model Year 2013 - 2015 |
Maximum Term 65 Months |
APR as low as** 8.49% |
Payment per $1000 borrowed $19.25 |
|
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 1/1/2020 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. |
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|
Model Year 2019 – 2021 |
Maximum Term 3 Years |
APR as low as*** 6.99% |
Payment per $1000 borrowed $30.87 |
|
Model Year 2019 – 2021 |
Maximum Term 4 Years |
APR as low as*** 6.99% |
Payment per $1000 borrowed $23.94 |
|
Model Year 2019 – 2021 |
Maximum Term 5 Years |
APR as low as*** 7.99% |
Payment per $1000 borrowed $20.27 |
|
Model Year 2019 – 2021 |
Maximum Term 7 Years |
APR as low as*** 9.75% |
Payment per $1000 borrowed $16.47 |
|
Model Year 2019 – 2021 |
Maximum Term 15 Years |
APR as low as*** 10.50% |
Payment per $1000 borrowed $11.05 |
|
Model Year 2013 - 2018 |
Maximum Term 3 Years |
APR as low as*** 8.50% |
Payment per $1000 borrowed $31.57 |
|
Model Year 2013 - 2018 |
Maximum Term 4 Years |
APR as low as*** 9.50% |
Payment per $1000 borrowed $25.12 |
|
Model Year 2013 - 2018 |
Maximum Term 5 Years |
APR as low as*** 9.75% |
Payment per $1000 borrowed $21.12 |
|
Model Year 2013 - 2018 |
Maximum Term 7 Years |
APR as low as*** 10.75% |
Payment per $1000 borrowed $16.99 |
|
Model Year 2013 - 2018 |
Maximum Term 10 Years |
APR as low as*** 11.50% |
Payment per $1000 borrowed $14.06 |
|
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 |
|
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. |
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|
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 |