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Overview / Commentary
978-452-5001
658 Merrimack St
Lowell, MA 01854

Jeanne D'Arc Credit Union is headquartered in LOWELL and is the 7th largest credit union in the state of Massachusetts. It is also the 207th largest credit union in the nation. It was established in 1911 and as of December of 2013, it had grown to 171 employees and 61,930 members. Jeanne D'Arc Credit Union's savings rates are 13X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Jeanne D'Arc Credit Union Membership is available to anyone who lives, works, or attends school in Middlesex or Essex counties, the cities or towns of Fitchburg, Leominster, Harvard, Lunenburg or Lancaster, or the New Hampshire counties of Hillsborough or Rockingham. - See Details

Related Posts

Special 30-Month CD at Jeanne D'Arc Credit Union in MA & NH - 1/16/2014

Jeanne D'Arc Credit Union has a new CD promotion with a competitive rate. The special is a 30-month CD with a 1.65% APY. It's also available for IRAs and SEPs. Minimum deposit is $250. This rate is li ...



Reviews (1)

Customer Service

Had a dispute with this credit union when a co-trustee who complained to this credit union about a non-existent dispute involving a non-existent investment plan that we two trustees differed on. He requested that the credit union side with him and freeze the money, which they did, failing to notify me until I attempted to use the account. Fifteen months later, there are eleven other heirs wondering where their money is.



Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

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, 2013 Jeanne D'Arc Credit Union had $4.63 million in non-current loans and owned real-estate with $86.06 million in equity and loan loss allowances on hand to cover it. This gives Jeanne D'Arc Credit Union a Texas Ratio of 5.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Jeanne D'Arc Credit Union experienced no significant changes from 5.56% as of December 31, 2012 to 5.38% as of December 31, 2013, resulting in a positive change of 3.33%.This indicates that the balance sheet and financial strength for Jeanne D'Arc Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Jeanne D'Arc Credit Union has increased its total deposits by $22.72 million, resulting in 2.72% 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

GRADE:
C

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 $1.03 billion in assets with $86.06 million in equity, resulting in a capitalization level of 8.38%, which is average.

Institution Statistics

Overall
NCUA #67352
Year Chartered1911
Employees171
Primary Regulator
Assets and Liabilities
Assets$1.03 billion
Loans$633.57 million
Deposits$859.67 million
Equity Capital$81.52 million
Loan Loss Allowance$4.55 million
Unbacked Noncurrent Loans$4.63 million
Real Estate Owned$0
Historic Data - December 2012
Assets$1.01 billion
Equity Capital$84.67 million
Loan Loss Allowance$5.24 million
Unbacked Noncurrent Loans$4.63 million
Real Estate Owned$666,000
Profit Margin - Quarterly
Net Interest Margin3.93%
Return on Assets0.44%
Return on Equity5.57%
Interest Income$31.46 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Jeanne D'Arc Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Jeanne D'Arc Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
7.00%-$500Primary Savings
7.00%-$500Primary Savings
7.00%-$500Primary Savings
1.00%--Membership Account
0.50%--Retirement Statement
0.15%--Addirional Savings
0.15%--Addirional Savings
0.15%--Addirional Savings
0.15%$100-Business Statement Savings

Jeanne D'Arc Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.60%$100k-Money Market Account
0.50%$100k-Business Money Market

Jeanne D'Arc Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$25-Premier Checking

Jeanne D'Arc Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.65%$500-60 Month CD
1.65%$250-60 Month Youth CD
1.10%$500-42 Month CD
1.10%$250-42 Month Youth CD
1.00%$500-36 Month CD
1.00%$250-36 Month Youth CD
0.90%$500-30 Month CD
0.90%$250-30 Month Youth CD
0.90%$250-9 Month CD
0.90%$250-9 Month Youth CD
0.80%$500-24 Month CD
0.80%$250-24 Month Youth CD
0.55%$500-18 Month CD
0.55%$250-18 Month Youth CD
0.45%$500-12 Month CD
0.45%$250-12 Month Youth CD
0.30%$500-6 Month CD
0.30%$250-6 Month Youth CD

Jeanne D'Arc Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.65%$250-60 Month IRA (Traditional,Roth,CESA,SEP)
1.10%$500-42 Month IRA (Traditional,SEP,CESA,Roth)
1.00%$500-36 Month IRA (Traditional,SEP,CESA,Roth)
0.90%$500-30 Month IRA (Traditional,SEP,CESA,Roth)
0.90%$250-9 Month IRA (Traditional,Roth,CESA,SEP)
0.80%$500-24 Month IRA (Traditional,SEP,CESA,Roth)
0.55%$500-18 Month IRA (Traditional,SEP,CESA,Roth)
0.45%$500-12 Month IRA (Traditional,SEP,CESA,Roth)
0.30%$500-6 Month IRA (Traditional,SEP,CESA,Roth)
Locations


Jeanne D'Arc Credit Union Locations
Branch Office150 Westford RdTyngsboro, MA 01879-2511
Branch Office1345 Lakeview AveDracut, MA 01826-3414
Branch Office658 Merrimack StLowell, MA 01854-3913
Branch Office245 Chelmsford StChelmsford, MA 01824-2343
Branch Office380 Merrimack StMethuen, MA 01844-5870
Branch Office1 Tremont PlLowell, MA 01854-3658
Branch Office50 Father Morissette BlvdLowell, MA 01852-1037
Branch Office1540 Lakeview AveDracut, MA 01826-3311
Branch Office1595 Bridge StDracut, MA 01826-2614