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Rates

Consumer Loan Rates

Rates are effective as of 12/09/2014

More Info | Apply Now | Calculators | Print | Contact Us

New & Used Auto Financing
Maximum Loan Amount $80,000
Model YearTermAPR as low as*Payment per $1,000 borrowed


Personal Loan Financing
TermAPR as low as*Payment per $1,000 borrowed

Stated rates are .50% higher without automatic payment



Boats/Recreational Vehicles & Motorcycle Financing
Maximum Loan Amount $100,000 - Boats/Rec Vehicle
Maximum Loan Amount $25,000 - Motorcycles

Model YearTermAPR as low as*Payment per $1,000 borrowed

Maximum term on Motorcycles is 6 years for 2012-2014 and 5 years for 2006-2011



Overdraft Line Of Credit


Secured Loans
TypeTermPayment per $1,000 borrowed

*APR is determined by Credit Score and actual rates may vary.

Commercial Vehicle Loans and VISA® Credit Cards are also available, ask a Member Service Representative for details.

APR= Annual Percentage Rate. All rates/APRs listed are accurate as of the effective date and are subject to change without notice. Please contact a Jeanne D'Arc Credit Union Member Service Representative for more information about applicable fees and terms.

Credit Card Rates

Rates are effective as of 10/1/2011

More Info | Apply Now | Calculators | Print | Contact Us


Interest Rates and Interest Charges


Annual Percentage Rate (APR) for
Purchases


3.99%
introductory APR for the first 6 months after account opening.

After that, your APR will be 7.99% to 15.99%, based on your program and creditworthiness.


Annual Percentage Rate (APR) for
Balance Transfers


3.99%
introductory APR for the first 6 months after account opening.

After that, your APR will be 7.99% to 15.99%, based on your program and creditworthiness.


Annual Percentage Rate (APR) for
Cash Advances


3.99%
introductory APR for the first 6 months after account opening.

After that, your APR will be 7.99% to 15.99%, based on your program and creditworthiness.


Penalty APR and When it Applies


None


How to Avoid Paying Interest on Purchases


Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on Purchases if you pay your entire balance by the due date each month.

Cash Advances and Balance Transfers are always subject to interest charges from the date they are posted to your account.


Minimum Interest Charge


If you are charged interest, the charge will be no less than $.50


For Credit Card Tips from the
Consumer Financial Protection Bureau


To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

Fees

Annual Fee

None

Maintenance Fee

None


Transaction Fees

  • Balance Transfer
     
  • Cash Advance
     
  • International Transaction

 


None

2.00% of transaction or $5 minimum; $50 maximum

With currency conversion - 1.00% of the amount of your transaction in U.S. Dollars
Without currency conversion - 0.8% of the amount of your transaction in U.S. Dollars
 


Penalty Fees

  • Late Payment
     
  • Returned Payment

 


10% of the new balance; $10 maximum

Up to $25
 


How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."  

The information on this form is accurate as of December 12, 2012 and is subject to change. To find out if any of this information has changed since that date, call us at 1-877-604-5328 or write to Jeanne D'Arc Credit Union, P.O. Box 1238, Lowell, MA 01853.

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Jeanne D'Arc®, MoneyStrong® and the phrase, We Share a Common Thread®, are federally registered trademarks owned by Jeanne D'Arc Credit Union, and may not be used, displayed or reproduced by any other party without the express written permission of Jeanne D'Arc Credit Union.
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