Consumer Loans :: Products & Services :: Jeanne D' Arc Credit Union

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Consumer Loans

Whatever your needs, you can be assured of prompt, confidential, friendly service and competitive loan rates.

Common Features

Low rates
Rate discount with direct deposit or automatic payment from your account
No pre-payment penalties
No application fees
FREE Online Banking and Mobile Banking
Credit Life & Credit Disability Insurance available
Fast approval

Lending Community

To apply for a loan you must qualify for Membership.

Autos

New, used or refinance
100% financing up to a 5 year term; based on the NADA Retail Value
90% financing on 6 and 7 year terms; based on the NADA Retail Value
Shop with cash with our Pre-Approved Check
Borrow up to $80,000

Boats & RVs

New, used or refinance
90% financing up to a 15 year term; based on the NADA Average Retail Value
Borrow up to $100,000
Terms up to 15 Years
Pre-approvals available

Motorcycles

New, used or refinance
90% financing up to a 5 year term; based on the NADA Average Retail Value
Borrow up to $25,000
Terms up to 5 years
Pre-approvals available

Personal Loans

Borrow up to $15,000
Terms up to 4 years

Share & Certificate Secured Loans*

Borrow against your own funds
Terms up to 5 years
Borrow as much as you have available in your account

*Share secured loans are not offered on your primary savings blended rate product.

Overdraft Line of Credit

For those times when your check needs to be a bit larger then your current balance. Jeanne D'Arc Credit Union's Overdraft Line of Credit seamlessly covers your checks (up to your available credit line) and helps you keep things rolling.

Attached to your Jeanne D'Arc Credit Union Checking Account (upon credit approval)
No Annual Fee
Up to a $10,000 credit line available

Youth Lending

Program Description

This program is designed for character-worthy 16 and 17 year old Jeanne D'Arc Credit Union elements^TM Savings or Checking Members, who meet certain eligibility requirements, and offers the following optional products/services.

Personal Loans up to a $750* limit
Auto Loans up to a $3000 limit with a co-signer
VISA® Credit Cards also available

*There is a maximum aggregate limit of $750 for unsecured debt.

Eligibility Requirements

To qualify for Jeanne D'Arc Credit Union's Youth Lending Program, members must meet the following requirements.

Jeanne D'Arc Credit Union elements^TM Savings Member with a Savings or Checking account for a minimum of 6 months.
16 or 17 years old
Completed Parental Consent Form
Completed Character Reference Form
Meet with a Youth Lending Officer to discuss Unit 4 - Good Debt, Bad Debt: Using Credit Wisely of the NEFE High school Financial Planning Program
Attend Loan Counseling and pass a "Loan Assessment"
Youth Lending

Program Description

*There is a maximum aggregate limit of $750 for unsecured debt.

College Student Loans

No origination fees
Lower interest rates
Deferment of principal and interest while in school
Flexible repayment terms
Easily apply online or by phone at (877) 298-6188

Recommendations before applying for Credit Union Student Choice Loan:

Before applying and filling out a FAFSA (Free Application for Federal Student Aid) found at www.fafsa.ed.gov, apply for your Personal Identification Number (PIN) at www.pin.ed.gov. Your PIN serves as your electronic signature and provides access to your personal records.
Apply for scholarships - you may be eligible for many of them.
- Check with your college financial aid office for listings
- Free information on preparing for and funding education beyond high school including a scholarship wizard can be found at www.studentaid.ed.gov.
Take the maximum amount of Federal Stafford Loans before applying for Student Choice Loan. On subsidized loans while you're in school:
- Government pays the interest
- Caps the interest rate

To apply visit us today at www.jdcu.studentchoice.org or by calling (877) 298-6188.

Jeanne D'Arc Credit Union does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. If you have any questions or need additional information, email our Consumer Loan Department with your specifics.

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