Dedicated to Deposits: Deals, Data, and Discussion

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


Jeanne D'Arc Credit Union
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 increase the rate to the current 12-month CD rate. The one problem with this bump option is that it won't help if their 12-month CD rate stays low. The current 12-month CD rate is only 1.35% APY. Nevertheless, the 2.05% APY is competitive for a 15-month term regardless of this bump feature.

The credit union also has some attractive savings accounts. The Primary Savings account has a rate of 7% APY on balances up to $500. Balances over $500 earn 0.25%. With a balance of $500, you'll earn about $25 per year more in this than a 2% account.

For those with large balances, the credit union has a competitive money market account with a top rate of 1.80% APY on balances over $100,000 as of 11/22/09. Refer to the credit union's rates page for the latest rates.

Membership is open 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. Please refer to the credit union's Membership page for the full details.

There's an online application that's provided by It allows electronic ACH funding from your existing checking account. A membership savings account with a minimum balance of $5 is required to maintain membership.

Branches are located in the Massachusetts cities of Chelmsford, Lowell, Dracut, Tyngsboro, Methuen and Westford.

The credit union's ratings for safety and soundness are above average: 5 stars (superior) at BauerFinancial and 3 stars (performing) at These ratings are based on 6/30/09 financial data. The credit union is federally insured by the NCUA (Charter # 67352).

Other Competitive Certificate of Deposit Rates

  Tags: Massachusetts, money market accounts, New Hampshire, CD rates, Jeanne D'Arc Credit Union

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