Jeanne D'Arc Credit Union


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

Jeanne D'Arc Credit Union is headquartered in Lowell and is the 5th largest credit union in the state of Massachusetts. It is also the 217th largest credit union in the nation. It was established in 1911 and as of June of 2019, it had grown to 194 employees and 89,943 members at 12 locations. Jeanne D'Arc Credit Union's savings rates are 13X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Jeanne D'Arc Credit Union is open to those who live, work, or attend school in the Massachusetts counties of Essex or Middlesex, or the Massachusetts cities/towns of Fitchburg, Harvard, Lunenburg, Leominster, or Lancaster, or the New Hampshire counties of Hillsborough or Rockingham.
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Reviews (5)

Awesome Credit Union

Posted by: Stellar | Nov 9, 2016

They always great you with a hello and smile the branch managers will jump in and help out when the lobby is busy by processing transaction to help with the customers wait time. There was a time when my daughter and I had to go in to discuss some stock paperwork of my mothers and they took the time to explain what was needed if the lady was not able to answer our questions she called another manager or the main office to get us the answer. In the end she was not able to help us with the actual bank stamp due to my mother was not a client but they still took the time and helped us fill out the form so it was correct and explained to us we should take it to the bank that my mother banks at and they would be able to stamp it for us by helping us it sped up the process at my mothers bank in and out it two min.

It's OK

Posted by: JCoulam | Nov 11, 2016

I have had JDCU for years, beginning in high school as the branch was located in the cafe. I have a savings and checking account. In the earlier years, (2009ish), I had issues with my debit card. The card would not work regardless of the fact I knew I had over $800 in the checking account. I called and received excellent customer service. Very friendly and accommodating. I would recommend this branch to anyone.

I overdrafted my account one time. I was hit with a $37 dollar fee. I called and they waived the fee as it was my first time. Overall great credit union.

Out Of Control All My Accounts Are Frozen

Posted by: paininthe | Mar 27, 2019

My wife made a simple decimal point error in an electronic payment. both the bank and CC company were nice and said no problem we will look out for that and you should be all set. That didn't happen. the cc company processed as did the bank after several phone calls and a visit to the bank we were reassured that it would resolve it self and only that account would be affected. ALL MY ACCOUNTS ARE SUSPENDED. THEY USE A THIRD PARTY ELECTRONIC PAYMENT SVC THAT THEY HAVE NO CONTROL OVER. The assistant branch manager explained how it worked He WAS Clueless . I think he made it up because it was not how it works at all. I HAVE NO ACCESS TO MONEY EXCEPT FOR THE $20 IN my pocket

God Awful User Experience

Posted by: Barabbas | Jan 4, 2016

I attempted to create an account online. JDCU has outsourced their web development to Digital Insight/Andera. Digital Insight apparently has one hell of a sales force, as they managed to sell total crap to JDCU. After 20-30 minutes, the very poorly designed web portal crashed, leaving me with absolutely no idea the status of my application, or how to resume. I emailed JDCU and am awaiting a response.

Overall, very very poor experience so far.

EDIT: I followed up by going into a branch. I eventually got the help I was looking for, but it took way too long. I am interested in knowing how JDCU plans to ever make a profit when they're spending 7% plus man-hours for my money.

EDIT 2: Well over a week later. Still no response from JDCU. The check I sent them remains uncashed. What a terrible joke. If you're considering joining, don't. If you're already a member, pull out all but $500. It's a good thing my draft shares are insured.

Customer Service

Posted by: Anonymous | Aug 18, 2011

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
B+

Health Grade Components

Overall
NCUA #67352
Year Chartered1911
Employees194
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD7.79%
Annual Interest Income$26.4MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.44B$1.39B
LoansQ2 2019vs Q2 2018$1.22B$1.21B
DepositsQ2 2019vs Q2 2018$1.20B$1.15B
Equity CapitalQ2 2019vs Q2 2018$123.7MM$114.7MM
Loan Loss AllowanceQ2 2019vs Q2 2018$6.4MM$6.1MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$8.1MM$6.4MM
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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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 cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Jeanne D'Arc Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
7.00%-$500Statement Savings - Primary
7.00%-$500Passbook Savings - Primary
7.00%-$500M3 Money Club Savings - Primary
1.00%--Membership Account
0.50%--Retirement IRA Statement
0.15%$500-Statement Savings - Additional
0.15%$500-Passbook Savings - Additional
0.15%$500-M3 Money Club Savings - Additional
0.15%--Business Statement Savings

Jeanne D'Arc Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-Money Market Account
OTHER TIERS: 0.60% $1k - $10k | 0.70% $10k - $25k | 0.80% $25k - $50k | 0.90% $50k - $100k

Jeanne D'Arc Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$100k*-BuildStrong Checking
OTHER TIERS: 0.35% $10k - $25k | 0.45% $25k - $50k | 0.55% $50k - $100k
0.10%--Premier Checking

Jeanne D'Arc Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.35%$250-60 Month CD
2.35%$250-Business 60 Month CD
2.25%$250-48 Month CD
2.25%$250-Business 48 Month CD
2.20%$250-42 Month CD w/ Bump
2.20%$250-Business 42 Month CD w/ Bump
2.10%$250-36 Month CD
2.10%$250-Business 36 Month CD
2.00%$250-30 Month CD
2.00%$250-Business 30 Month CD
1.85%$250-24 Month CD w/ Bump
1.85%$250-Business 24 Month CD w/ Bump
1.75%$250-18 Month CD
1.75%$250-Business 18 Month CD
1.50%$250-12 Month CD
1.50%$250-Business 12 Month CD
1.00%$250-6 Month CD
1.00%$250-Business 6 Month CD

Jeanne D'Arc Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.35%$250-60 Month IRA
2.25%$250-48 Month IRA
2.20%$250-42 Month IRA w/ Bump
2.10%$250-36 Month IRA
2.00%$250-30 Month IRA
1.85%$250-24 Month IRA w/ Bump
1.75%$250-18 Month IRA
1.50%$250-12 Month IRA
1.00%$250-6 Month IRA
Locations

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