Jeanne D'Arc Credit Union

658 Merrimack Street
Lowell, MA 01854
978-452-5001
www.jdcu.com

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Jeanne D'Arc Credit Union is headquartered in Lowell and is the 7^th largest credit union in the state of Massachusetts. It is also the 198^th largest credit union in the nation. It was established in 1911 and as of December of 2011, it had grown to 157 employees and 57,639 members. Jeanne D'Arc Credit Union's savings rates are 13X the national average, and it boasts a 5-star health rating.

Special 13-Month CD Continues at Jeanne D'Arc Credit Union in MA & NH - Local Only - 10/19/2010

Jeanne D'Arc Credit Union is still offering a special 13-month CD. The rate has fallen since my last post. It's now 1.60% APY which is still very competitive for a term that's just over one year. As a ...

Special 13-Month CD at Jeanne D'Arc Credit Union in MA & NH - Local Only - 6/19/2010

Jeanne D'Arc Credit Union is offering a special 1.70% APY 13-month CD. Minimum deposit is $500. This rate is listed on the credit union's what's new page as of 6/19/2010 . It's a limited time special ...

2.05% 15-Month CD at Jeanne D'Arc Credit Union in MA and NH - Local Only - 11/22/2009

Jeanne D'Arc Credit Union is offering a special 2.05% APY 15-month CD. Minimum deposit is $500. This rate is listed on the credit union's front page as of 11/22/09.This certificate promotion has a one-time bump-up option which allows the member to...

2.10% 11-Month CD at Jeanne D'Arc Credit Union in MA & NH - Local Only - 9/15/2009

Jeanne D'Arc Credit Union is offering a special 2.10% APY 11-month CD. This rate is listed on the credit union's front page as of 9/15/09.The credit union also has some attractive savings accounts. The Primary Savings account has a rate of 7% APY on...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Jeanne D'Arc Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$25	-	Premier Checking

Jeanne D'Arc Credit Union Savings Account Rates

Apy	Min	Max	Product
7.00%	-	$500	Primary Savings
1.00%	-	-	Membership Account
0.50%	-	-	Retirement Statement
0.15%	-	-	Addirional Savings
0.15%	$100	-	Business Statement Savings

Jeanne D'Arc Credit Union Money Market Rates

Apy	Min	Max	Product
0.70%	$100k	-	Money Market Account
0.60%	$100k	-	Business Money Market

Jeanne D'Arc Credit Union CD Rates

Apy	Min	Max	Product
1.30%	$500	-	42 Month CD
1.30%	$250	-	42 Month Youth CD
1.25%	$500	-	36 Month CD
1.25%	$250	-	36 Month Youth CD
1.20%	$500	-	30 Month CD
1.20%	$250	-	30 Month Youth CD
1.10%	$500	-	24 Month CD
1.10%	$250	-	24 Month Youth CD
0.85%	$500	-	18 Month CD
0.85%	$250	-	18 Month Youth CD
0.70%	$500	-	12 Month CD
0.70%	$250	-	12 Month Youth CD
0.40%	$500	-	6 Month CD
0.40%	$250	-	6 Month Youth CD

Jeanne D'Arc Credit Union IRA Rates

Apy	Min	Max	Product
1.30%	$500	-	42 Month IRA
1.30%	$500	-	42 Month SEP IRA
1.30%	$500	-	42 Month CESA
1.30%	$500	-	42 Month Roth IRA
1.25%	$500	-	36 Month IRA
1.25%	$500	-	36 Month SEP IRA
1.25%	$500	-	36 Month CESA
1.25%	$500	-	36 Month Roth IRA
1.20%	$500	-	30 Month IRA
1.20%	$500	-	30 Month SEP IRA
1.20%	$500	-	30 Month CESA
1.20%	$500	-	30 Month Roth IRA
1.10%	$500	-	24 Month IRA
1.10%	$500	-	24 Month SEP IRA
1.10%	$500	-	24 Month CESA
1.10%	$500	-	24 Month Roth IRA
0.85%	$500	-	18 Month IRA
0.85%	$500	-	18 Month SEP IRA
0.85%	$500	-	18 Month CESA
0.85%	$500	-	18 Month Roth IRA
0.70%	$500	-	12 Month IRA
0.70%	$500	-	12 Month SEP IRA
0.70%	$500	-	12 Month CESA
0.70%	$500	-	12 Month Roth IRA
0.40%	$500	-	6 Month IRA
0.40%	$500	-	6 Month SEP IRA
0.40%	$500	-	6 Month CESA
0.40%	$500	-	6 Month Roth IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

JEANNE D'ARC
NCUA #	67352
BankRate Report	View
Year Chartered	1911
Employees	157
Primary Regulator
Assets and Liabilities
Assets	$922.22 million
Loans	$503.58 million
Deposits	$771.15 million
Equity Capital	$79.90 million
Loan Loss Allowance	$5.85 million
Unbacked Noncurrent Loans	$6.10 million
Real Estate Owned	$278,000
Historic Data - December 2010
Assets	$905.37 million
Equity Capital	$77.85 million
Loan Loss Allowance	$5.86 million
Unbacked Noncurrent Loans	$8.01 million
Profit Margin - Quarterly
Net Interest Margin	4.55%
Return on Assets	0.27%
Return on Equity	3.08%
Interest Income	$32.37 million
Non-Interest Income	$6.93 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Jeanne D'Arc Credit Union had $6.38 million in non-current loans and owned real-estate with $85.75 million in equity and loan loss allowances on hand to cover it. This gives Jeanne D'Arc Credit Union a Texas Ratio of 7.44% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Jeanne D'Arc Credit Union decreased slightly from 9.56% as of December 31, 2010 to 7.44% as of December 31, 2011, resulting in a positive change of 22.25%.This indicates that the balance sheet and financial strength for Jeanne D'Arc Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Jeanne D'Arc Credit Union has increased its total deposits by $28.36 million, resulting in 3.82% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Jeanne D'Arc Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Jeanne D'Arc Credit Union has $922.22 million in assets with $85.75 million in equity, resulting in a capitalization level of 9.30%, which is average.