Rates
|
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. |
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|
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 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. |
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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 0.399% |
APY* 0.40% |
|
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 March 31, 2023. 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 January 23, 2023. 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.
|
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|
Term 6 Months |
Min. to Open $250.00 |
Interest Rate 0.995% |
APY* 1.00% |
|
Term 12 Months |
Min. to Open $250.00 |
Interest Rate 1.490% |
APY* 1.50% |
|
Term 17 Months**- SPECIAL OFFER |
Min. to Open $250.00 |
Interest Rate 4.169% |
APY* 4.25% |
|
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 29 Months**- SPECIAL OFFER |
Min. to Open $250.00 |
Interest Rate 4.266% |
APY* 4.35% |
|
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% |
|
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. |
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|
$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% |
|
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 June 1, 2023 and are subject to change at any time. Conforming Purchase loan sizes up to $726,200.00 on one-unit properties. Conforming rates and APR based on $726,200.00 Purchase loan amount with FICO credit scores of 740 and loan to value no greater than 75%. Jumbo rates and APR based on a $726,200.01 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. |
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|
10 Year Fixed Conforming |
Rates** 6.500% |
APR 6.564% |
Payment per $1,000* $11.35 |
|
15 Year Fixed Conforming |
Rates** 6.375% |
APR 6.421% |
Payment per $1,000* $8.64 |
|
30 Year Fixed Conforming |
Rates** 7.375% |
APR 7.404% |
Payment per $1,000* $6.91 |
|
30 Year Fixed Jumbo |
Rates** 7.375% |
APR 7.404% |
Payment per $1,000* $6.91 |
|
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 June 1, 2023 and are subject to change at any time, and may increase. Rates apply to loans up to $726,200.00 (also known as “conforming mortgages”). **APR – Annual Percentage Rate. Please note that APR may increase after consummation. Conforming rates and APR based on $726,200.00 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. |
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|
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 - |
Points |
Rates Call for quote |
APR** - |
Initial/Annual/Lifetime Rate Caps |
Margin/index - |
Pmt Per $1,000 - |
|
Program 5/1 ARM |
Months First 60 Next 300 |
Points 0% |
Rates 6.875% 8.875% |
APR** 7.418% |
Initial/Annual/Lifetime Rate Caps 2% / 2% / 5% |
Margin/index 2.75% / 5.15% |
Pmt Per $1,000 $6.57 $7.81 |
|
Program 3/1 ARM |
Months - |
Points - |
Rates Call for quote |
APR** - |
Initial/Annual/Lifetime Rate Caps - |
Margin/index - |
Pmt Per $1,000 - |
|
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 June 1, 2023, 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. |
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|
20 Year |
Rates** 8.250% |
APR1 8.250% |
Payment per $1,000* $8.52 |
|
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 January 9, 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. |
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|
10 Year |
Rates As Low As** 6.24% |
APR2 6.24% |
Payment per $1,000* $11.22 |
|
15 Year |
Rates As Low As** 6.24% |
APR2 6.24% |
Payment per $1,000* $8.57 |
|
20 Year |
Rates As Low As** 6.74% |
APR2 6.74% |
Payment per $1,000* $7.60 |
|
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 0.050% |
APY* 0.05% |
|
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% |
|
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. |
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|
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% |
|
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 March 31, 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 January 23, 2023. 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.
|
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|
Term 6 Months |
Min. to Open $250.00 |
Interest Rate 0.995% |
APY* 1.00% |
|
Term 12 Months |
Min. to Open $250.00 |
Interest Rate 1.490% |
APY* 1.50% |
|
Term 17 Months**- SPECIAL OFFER |
Min. to Open $250.00 |
Interest Rate 4.169% |
APY* 4.25% |
|
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 29 Months**- SPECIAL OFFER |
Min. to Open $250.00 |
Interest Rate 4.266% |
APY* 4.35% |
|
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% |
|
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 |
|---|---|---|---|
|
*APR = Annual Percentage Rate. 5.74% APR for up to a 65-month term and is based on your personal credit history. Other rates and terms available. 5.74% APR is for the purchase of a 2021, 2022 and 2023 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 3/8/2023 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. |
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|
Model Year 2023 – 2021 |
Maximum Term 36 months |
APR as low as* 5.74% |
Payment per $1000 borrowed $30.30 |
|
Model Year 2023 – 2021 |
Maximum Term 48 Months |
APR as low as* 5.74% |
Payment per $1000 borrowed $23.37 |
|
Model Year 2023 – 2021 |
Maximum Term 65 Months |
APR as low as* 5.74% |
Payment per $1000 borrowed $17.94 |
|
Model Year 2023 – 2021 |
Maximum Term 75 Months |
APR as low as* 6.74% |
Payment per $1000 borrowed $16.38 |
|
Model Year 2023 – 2021 |
Maximum Term 84 Months |
APR as low as* 7.49% |
Payment per $1000 borrowed $15.33 |
|
Model Year 2020-2018 |
Maximum Term 48 Months |
APR as low as* 5.74% |
Payment per $1000 borrowed $23.37 |
|
Model Year 2020-2018 |
Maximum Term 65 Months |
APR as low as* 5.74% |
Payment per $1000 borrowed $17.94 |
|
Model Year 2020-2018 |
Maximum Term 75 Months |
APR as low as* 7.24% |
Payment per $1000 borrowed $16.62 |
|
Model Year 2017-2013 |
Maximum Term 65 Months |
APR as low as* 6.49% |
Payment per $1000 borrowed $18.29 |
|
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. 6.24% APR for up to a 65-month term and is based on your personal credit history. Other rates and terms available. 6.24% APR is for the purchase of a 2018, 2019, 2020, 2021, 2022 and 2023 model motorcycle. Payments reflect principal and interest only. A 65-month rate is payable in 65 monthly payments of $18.17 per $1,000.00 borrowed. Stated rates are .50% higher without automatic payment. Rates as of 3/8/2023 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. |
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|
Model Year 2023 - 2018 |
Maximum Term 36 months |
APR as low as** 6.24% |
Payment per $1000 borrowed $30.53 |
|
Model Year 2023 - 2018 |
Maximum Term 48 Months |
APR as low as** 6.24% |
Payment per $1000 borrowed $23.60 |
|
Model Year 2023 - 2018 |
Maximum Term 65 Months |
APR as low as** 6.24% |
Payment per $1000 borrowed $18.17 |
|
Model Year 2023 - 2018 |
Maximum Term 75 Months |
APR as low as** 8.24% |
Payment per $1000 borrowed $17.10 |
|
Model Year 2017 - 2015 |
Maximum Term 36 Months |
APR as low as** 7.24% |
Payment per $1000 borrowed $30.99 |
|
Model Year 2017 - 2015 |
Maximum Term 48 Months |
APR as low as** 7.24% |
Payment per $1000 borrowed $24.06 |
|
Model Year 2017 - 2015 |
Maximum Term 65 Months |
APR as low as** 9.24% |
Payment per $1000 borrowed $19.61 |
|
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 3/8/2023 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 2023 - 2021 |
Maximum Term 3 Years |
APR as low as*** 7.74% |
Payment per $1000 borrowed $31.22 |
|
Model Year 2023 - 2021 |
Maximum Term 4 Years |
APR as low as*** 7.74% |
Payment per $1000 borrowed $24.29 |
|
Model Year 2023 - 2021 |
Maximum Term 5 Years |
APR as low as*** 8.74% |
Payment per $1000 borrowed $20.63 |
|
Model Year 2023 - 2021 |
Maximum Term 7 Years |
APR as low as*** 10.75% |
Payment per $1000 borrowed $16.99 |
|
Model Year 2023 - 2021 |
Maximum Term 15 Years |
APR as low as*** 11.50% |
Payment per $1000 borrowed $11.68 |
|
Model Year 2020 - 2015 |
Maximum Term 3 Years |
APR as low as*** 9.25% |
Payment per $1000 borrowed $31.92 |
|
Model Year 2020 - 2015 |
Maximum Term 4 Years |
APR as low as*** 10.25% |
Payment per $1000 borrowed $25.48 |
|
Model Year 2020 - 2015 |
Maximum Term 5 Years |
APR as low as*** 10.50% |
Payment per $1000 borrowed $21.49 |
|
Model Year 2020 - 2015 |
Maximum Term 7 Years |
APR as low as*** 11.75% |
Payment per $1000 borrowed $17.52 |
|
Model Year 2020 - 2015 |
Maximum Term 10 Years |
APR as low as*** 12.50% |
Payment per $1000 borrowed $14.64 |
|
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 |