Consumer Loans :: Rates :: Jeanne D' Arc Credit Union

Consumer Loan Rates

Rates are effective as of 01/01/2013

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New & Used Auto Financing Maximum Loan Amount $80,000

Model Year	Term	APR as low as*	Payment per $1,000 borrowed

Stated rates are .50% higher without automatic payment

Personal Loan Financing

Term	APR 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 Year	Term	APR as low as*	Payment per $1,000 borrowed

Maximum term on Motorcycles is 6 years for 2008-2010 and 5 years for 2002-2007

Stated rates are .50% higher without automatic payment

Overdraft Line Of Credit

Secured Loans

Type	Term	Payment 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

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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.