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Jeanne D Arc Credit Union Rates & Review September 2026

Jeanne D Arc Credit Union's 24 month - SPECIAL OFFER CD rates are at 4.25%, Business CDs of Deposit - 24 month rates are at 4.25%, CDs of Deposit - 24 month rates are at 4.25%, 17 month - SPECIAL OFFER CD rates are at 4.15%, Business CDs of Deposit - 17 month rates are at 4.15%. Jeanne D Arc Credit Union's savings rates are at 0.05%. Jeanne D Arc Credit Union's 10 Year Fixed rates are at 5.74%, 15 Year Fixed rates are at 6.00%, 7/1 ARM rates are at 5.88%, 5/1 ARM rates are at 5.62%, 30 Year Fixed rates are at 6.88%. Jeanne D Arc Credit Union's Auto Loan Rates are as low as 4.99%. Jeanne D Arc Credit Union's Credit Card Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Jeanne D Arc Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.67%. Rates last updated and verified on 09/22/2026.

Jeanne D Arc Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Jeanne D Arc Credit Union? Share your experience about Jeanne D Arc Credit Union by leaving a review below, or read customer reviews before you decide to use Jeanne D Arc Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.67%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Jeanne D Arc Credit Union
Main Office
581 Merrimack St
Lowell, MA 01854-3908
https://www.jdcu.com
Member NCUA

Jeanne D Arc Credit Union CD Rates

Product Rate APY Term View More
24 month - SPECIAL OFFER Certificate 4.17% 4.25% 24 Months
Min Deposit $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business Certificates of Deposit - 24 month 4.17% 4.25% 24 Months
Min Deposit $250
Min Balance $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Certificates of Deposit - 24 month 4.17% 4.25% 24 Months
Min Deposit $250
Min Balance $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
17 month - SPECIAL OFFER Certificate 4.07% 4.15% 17 Months
Min Deposit $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business Certificates of Deposit - 17 month 4.07% 4.15% 17 Months
Min Deposit $250
Min Balance $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Certificates of Deposit - 17 month 4.07% 4.15% 17 Months
Min Deposit $250
Min Balance $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
9 month - SPECIAL OFFER Certificate 3.93% 4.00% 9 Months
Min Deposit $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business Certificates of Deposit - 9 month 3.93% 4.00% 9 Months
Min Deposit $250
Min Balance $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Certificates of Deposit - 9 month 3.93% 4.00% 9 Months
Min Deposit $250
Min Balance $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
42 month Certificate 3.69% 3.75% 42 Months
Min Deposit $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business Certificates of Deposit - 42 month 3.69% 3.75% 42 Months
Min Deposit $250
Min Balance $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Certificates of Deposit - 42 month 3.69% 3.75% 42 Months
Min Deposit $250
Min Balance $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
36 month - SPECIAL OFFER Certificate 3.59% 3.65% 36 Months
Min Deposit $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business Certificates of Deposit - 36 month 3.59% 3.65% 36 Months
Min Deposit $250
Min Balance $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Certificates of Deposit - 36 month 3.59% 3.65% 36 Months
Min Deposit $250
Min Balance $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
18 month - SPECIAL OFFER Certificate 3.45% 3.50% 18 Months
Min Deposit $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
6 month - SPECIAL OFFER Certificate 3.45% 3.50% 6 Months
Min Deposit $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business Certificates of Deposit - 18 month 3.45% 3.50% 18 Months
Min Deposit $250
Min Balance $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business Certificates of Deposit - 6 month 3.45% 3.50% 6 Months
Min Deposit $250
Min Balance $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Certificates of Deposit - 18 month 3.45% 3.50% 18 Months
Min Deposit $250
Min Balance $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Certificates of Deposit - 6 month 3.45% 3.50% 6 Months
Min Deposit $250
Min Balance $250
Details SPECIAL OFFER
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
60 month Certificate 2.47% 2.50% 60 Months
Min Deposit $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business Certificates of Deposit - 60 month 2.47% 2.50% 60 Months
Min Deposit $250
Min Balance $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Certificates of Deposit - 60 month 2.47% 2.50% 60 Months
Min Deposit $250
Min Balance $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
48 month Certificate 2.23% 2.25% 48 Months
Min Deposit $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business Certificates of Deposit - 48 month 2.23% 2.25% 48 Months
Min Deposit $250
Min Balance $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Certificates of Deposit - 48 month 2.23% 2.25% 48 Months
Min Deposit $250
Min Balance $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
30 month Certificate 1.98% 2.00% 30 Months
Min Deposit $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business Certificates of Deposit - 30 month 1.98% 2.00% 30 Months
Min Deposit $250
Min Balance $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Certificates of Deposit - 30 month 1.98% 2.00% 30 Months
Min Deposit $250
Min Balance $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
12 month Certificate 1.49% 1.50% 12 Months
Min Deposit $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business Certificates of Deposit - 12 month 1.49% 1.50% 12 Months
Min Deposit $250
Min Balance $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Certificates of Deposit - 12 month 1.49% 1.50% 12 Months
Min Deposit $250
Min Balance $250
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%

Jeanne D Arc Credit Union Savings Rates

Product Rate APY View More
M3 Money Club 7.72% 8.00%
Min Deposit $5
Details 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 M3TM 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Senior Statement Savings 7.72% 8.00%
Min Deposit $5
Details 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 M3TM 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
StartStrong Savings 7.72% 8.00%
Min Deposit $5
Details 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 M3TM 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business Savings Account 0.05% 0.05%
Min Balance $0
Details Balance: Any
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
M3 Money Club 0.05% 0.05%
Min Deposit $5
Details The M3TM 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
WinStrong Savings Account 0.05% 0.05%
Min Deposit $5
Details Dividend rate is effective as of March 15, 2021. All rates are subject to change, after account opening, without notice.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%

Jeanne D Arc Credit Union Checking Rates

Product Rate APY View More
Business BuildStrong Checking 0.25% 0.25%
Min Deposit $1,000
Min Balance $100,000
Details Balance: $100,000 and over; 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business BuildStrong Checking 0.20% 0.20%
Min Deposit $1,000
Min Balance $50,000
Details Balance: $50,000 - $99,999.99; 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business BuildStrong Checking 0.15% 0.15%
Min Deposit $1,000
Min Balance $10,000
Details Balance: $10,000 - $24,999.99; 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Business BuildStrong Checking 0.15% 0.15%
Min Deposit $1,000
Min Balance $25,000
Details Balance: $25,000 - $49,999.99; 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Premier Checking 0.05% 0.05%
Min Deposit $25
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%

Jeanne D Arc Credit Union Mortgage Rates

Product Rate Points APR Term View More
10 Year Fixed 5.74% - 5.79%
Details Rates are effective September 17, 2026 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%. 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
15 Year Fixed 6.00% - 6.04%
Details Rates are effective September 17, 2026 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%. 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
7/1 ARM 5.88% 0% 6.44% First 84 / Next 276
Details Rate Caps: 2% / 2% / 5%; Margin/index: 2.75% / 4.24%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
5/1 ARM 5.63% 0% 6.48% First 60 / Next 300
Details Rate Caps: 2% / 2% / 5%; Margin/index: 2.75% / 4.24%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
30 Year Fixed 6.88% - 6.90%
Details Rates are effective September 17, 2026 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%. 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%

Jeanne D Arc Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit ADVANTAGE - - 5.75% 20 years
Details Term: 20 years (10-year draw/10-year repayment period); Prime - 1.00% variable rate; Rates are effective January 1, 2026 and are subject to change at any time. Advertised rate uses an index (Prime) and a margin of -1.00% (5.75%) and is based on an assumption of a credit score of 700 or higher. Minimum rate of 4.50% and maximum rate of 18.00%. Other rates and terms available based on creditworthiness and other factors. APR is variable and based on the Prime Rate (Prime) published in the Wall Street Journal. Prime minus 1.00% was recently 5.75% as of January 1, 2026 and may change at any time. For all Home Equity Line of Credit, terms see Important Terms of our HELOC. $5.00 Membership Account Required. Other rates and terms available. Home Equity Lines of Credit are only available on Primary Residence (80% Total Loan to Value) 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. Hom
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Home Equity Line of Credit 6.75% - 6.75% 20 Year
Details Term: 20 Year (10-year draw/10-year repayment period); Up to 80% Total Loan To Value on Primary Residences. Up to 70% Total Loan To Value on Secondary Residences. The actual obligation will be greater than payment shown. Rates are effective January 1, 2026 and are subject to change at any time. Advertised rate uses an index (Prime), currently 6.75%. There is maximum rate of 18.00%. Other rates and terms available based on creditworthiness and other factors. APR is variable and based on the Prime Rate (Prime) published in the Wall Street Journal. Prime was recently 6.75% as of January 1, 2026 and may change at any time. For all Home Equity Line of Credit, terms see Important Terms of our HELOC. $5.00 Membership Account Required. Other rates and terms available. Home Equity Lines of Credit are only available on Primary Residence (80% Total Loan to Value) and Second Homes (70% Total Loan to Value). Home Equity Lines of Credit are only available in the states of Massachusetts and
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Home Equity Loans - 10 Year 7.49% - 7.49% 10 Year
Details 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. 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. 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Home Equity Loans - 15 Year 7.74% - 7.74% 15 Year
Details 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. 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. 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Home Equity Loans - 20 Year 7.74% - 7.74% 20 Year
Details 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. 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. 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%

Jeanne D Arc Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New and Used Auto Loans - - 4.99% 36 months
Details Model Year: 2026 - 2022; APR as low as*
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
New and Used Auto Loans - - 4.99% 48 Months
Details Model Year: 2026 - 2022; APR as low as*
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
New and Used Auto Loans - - 4.99% 65 Months
Details Model Year: 2026 - 2022; APR as low as*
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
New and Used Auto Loans - - 5.49% 75 Months
Details Model Year: 2026 - 2022; APR as low as*
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
New and Used Auto Loans - - 5.75% up to 65 Months
Details Model Year: 2021-2016; APR as low as*
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
New and Used Auto Loans - - 5.99% 84 Months
Details Model Year: 2026 - 2022; APR as low as*
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%

Jeanne D Arc Credit Union Credit Card Rates

Product Rate APR View More
Business VISA Credit Card - 9.99%
Details Intro/promo APR: 1.99%; Introductory APR As low as 1.99% for the first twelve (12) months after new Account opening (Introductory Period). After the Introductory Period, your rate will increase and will vary with the market based on the highest U.S. Prime Rate published in the Money Rates section of the Wall Street Journal. Your APR following the Introductory Period will be determined by adding a margin to the Prime Rate, based on your credit history and program eligibility. Minimum APR 9.99%, Maximum APR 18.00%. Rates are accurate as of May 1, 2026 and are subject to change. Other fees and charges may include fees for Cash Advances, Balance Transfers, International Transactions, and Late or Returned Payments. See JDCU Business VISA Cardholder Agreement for current fees. Introductory rate is for new cards only. Balance transfers from existing Jeanne D'Arc Credit Union VISA Credit Cards are not eligible. A $5.00 Membership Account is required. Regular APR: 9.99% - 18.00% on pu
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
VISA Credit Card - 9.99%
Details Intro/promo APR: 1.99%; Intro rate expires: 12 months; Regular APR: 9.99% - 18.00% on purchases, cash advance, balance transfers
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%

Jeanne D Arc Credit Union Other Rates

Product Rate Points APY/APR Term View More
Membership Account 1.00% - 1.00%
Min Deposit $5
Details No additional deposits are allowed. $5.00 Membership Account is required for membership in Jeanne D'Arc Credit Union.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Retirement IRA Statement 0.40% - 0.40%
Min Deposit $5
Details Dividend rate is effective as of March 15, 2021. All rates are subject to change, after account opening, without notice.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
StartStrong Goal Account 1.00% - 1.00%
Min Deposit $5
Details 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. All rates are subject to changes, after account opening, without notice. Fees could reduce earnings on the account.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Statement 7.72% - 8.00%
Min Deposit $5
Details 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. 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 M3TM 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%
Statement 0.05% - 0.05%
Min Deposit $5
Details Fees could reduce earnings. The dividend rate is effective as of March 15, 2021. All rates are subject to change, after account opening, without notice.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.67%

Financial Health History

Jeanne D Arc Credit Union’s Texas Ratio fell from 2.36% in Q2 2023 to 1.67% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.3% 2.0★ 2.6% 3.0★ 3.9% 4.0★ 5.2% 5.0★ Healthy zone – entire history below the 15% limit 2.36% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 1.67% A+ Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$2.2B1.67%5.0A+
December 31, 2025$2.2B1.83%5.0A+
September 30, 2025$2.2B1.73%5.0A+
June 30, 2025$2.3B2.61%5.0A+
March 31, 2025$2.3B1.34%5.0A+
December 31, 2024$2.2B2.18%5.0A+
September 30, 2024$2.2B2.56%5.0A+
June 30, 2024$2.2B2.27%5.0A+
March 31, 2024$2.2B2.06%5.0A+
December 31, 2023$2.1B3.88%5.0A+
September 30, 2023$2.1B2.60%5.0A+
June 30, 2023$2.1B2.36%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Jeanne D Arc Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Jeanne D Arc Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Jeanne D Arc Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Jeanne D Arc Credit Union
Address 581 Merrimack St, Lowell, MA 01854-3908
Phone 978-452-5001
Fax
President Naomi Prendergast
CEO Larissa Thurston
Full-Time Employees 241
Part-Time Employees 35
Branch Locations 11
ATM Locations 11
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.67%
Return on Assets (ROA)
0.0915%
Return on Equity (ROE)
1.0157%
Non-Performing Loans Ratio (NPL)
0.19%
Total Assets
2,187,621,018
Total Amount of Shares and Deposits
1,725,289,458
Total Shares and Deposits < 1 Year
1,658,331,475
Total Shares and Deposits 1 3 Years
52,407,504
Total Shares and Deposits > 3 Years
14,550,479
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
158,494,883
Total Uninsured Shares and Deposits > $250K (F+J)
158,494,883
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,566,794,575
Total Interest Expense (Sum of items 6 8)
10,323,286
Share Certificates
13,942
Number of Accounts for Share Drafts
55,761
IRA KEOGH Accounts
4,001
Number of Accounts for Regular Shares
79,852
Non Member Deposits
8
Money Market Shares
9,398
Net Income (unless the amount is already included in Undivided Earnings)
2,002,609
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
148,522,638
Total Liabilities
2,015,522,660
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Jeanne D Arc Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Jeanne D Arc Credit Union

How many branches does Jeanne D Arc Credit Union operate?

Jeanne D Arc Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Jeanne D Arc Credit Union?

Yes, to access services at Jeanne D Arc Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Jeanne D Arc Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Jeanne D Arc Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Jeanne D Arc Credit Union offer online and mobile banking?

Most modern institutions like Jeanne D Arc Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.jdcu.com.

Current Jeanne D Arc Credit Union Rates

  • 12-Month CD1.50%
  • 18-Month CD3.50%
  • 24-Month CD4.25%
  • 60-Month CD2.50%
  • Savings0.05%
Retrieved from our database of financial products. Rates subject to change.