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    Jeanne D'Arc Credit Union - A Growing Community

    Last updated 2 years ago

    We believe Jeanne D’Arc Credit Union is more than just a financial institution—it’s a part of the community. As our community grows, so do we.

    Over the last hundred years, we’ve helped clients make their dreams a reality through financing homes and providing other services. We like to think that Jeanne D’Arc Credit Union has played a role in making our communities as great as they are today, with strong neighborhoods and dedicated citizens.

    We’d love to have you as a part of the next hundred years of Jeanne D’Arc Credit Union! Stop by one of our branches to set up a savings or checking account, discuss financing, or set up business services. No matter your financial needs, we can help you achieve financial stability and work toward your dreams. Call us today at (978) 452-5001.

    Reasons You May Need a Personal Loan

    Last updated 2 years ago

    If you’ve found yourself strapped for cash in between paychecks, or life’s thrown you a sudden expense beyond the size of your savings account, you may want to consider a personal loan. Today’s variety of loan options means competitive lending markets for the consumer like you. Visit a trusted and qualified lender and discuss whether a personal loan makes sense for your unique financial situation. Here are some reasons you may need a personal loan.

    Unplanned Expenses
    It takes money to keep our lives running smoothly. In spite of this, sometimes our homes need sudden repair, our loved ones get sick, or our cars might break down. A personal loan can be a great way to face the unexpected expenses you or your family have not adequately prepared for. A personal loan can be a responsible way of continuing to meet your life’s obligations when surprising accidents strike. You can usually be approved for a personal loan within just one to three days.

    Large Expenses
    Sometimes a personal loan can provide a viable alternative way of paying for the major purchases you’d usually make on your credit card. From engagement rings to family vacations, a personal loan might provide you with an extra way of micromanaging your finances to afford major purchases. In fact, since they are sometimes issued in fixed rate repayment plans, many people seek out personal loans for greater stability when it comes to long-term month-to-month budgeting.

    Debt Consolidation
    If you’re burdened with high interest credit card debt, taking out a personal loan can sometimes be a financially sound way to pay off other debts and consolidate what you owe. In some cases, even an unsecured personal loan’s interest rate will be lower than your credit card’s. If you’re thinking of using a personal loan to consolidate your debts, make sure you ask about annual fees and know the exact details of the loan term.

    If you’re in Lowell, Massachusetts, get in touch with a financial expert at Jeanne D’Arc Credit Union to discuss your personal loan options today. Reach us at (978) 452-5001.

    Educate Yourself on the Benefits of a Credit Union

    Last updated 2 years ago

    We hope you’ve found our recent posts about financial topics interesting. Educate yourself further by checking out these great websites!

    • FeedthePig.org has tips for tapering your latte addiction and dealing with other money-wasting habits.
    • If you’re looking for more information about home equity lines of credit, head over to this page from the Federal Reserve.
    • Though you may not be able to institute every single one of these tips for saving money, there are sure to be a few that will interest you.
    • Check out this comparison between home equity loans and home equity lines of credit to see which one might be best for you.
    • What is the difference between a credit union and a bank? Find out by reading this information from MyCreditUnion.gov.

    Whether you’re looking for a personal loan, an auto loan, or a mortgage, Jeanne D’Arc Credit Union is here to help you achieve your financial dreams. If you’d like to discuss your options, call (978) 452-5001 to speak to one of our representatives.

    Smart Savings Tips

    Last updated 2 years ago

    Saving money is vital to financial health, but getting started can seem impossible. Check out these tips for cutting back that will put more money in your pocket.

    • Pay Yourself First
      When you get your paycheck, it is tempting to splurge on those shoes or that video game you’ve been pining after. Take the opposite approach: after you get a paycheck, immediately put a predetermined amount into your savings account and make your credit card and loan payments. That way, you’ll always be saving. 
       
    • Create a Budget
      Track your expenses for a few weeks to see how much you really are spending. Make sure you write down everything, from your rent or mortgage payment to that pack of gum you bought. From there, establish how much you should be spending on items like food, clothing, and utilities, and work to bring your real-life expenses more in line with your ideal numbers.
       
    • Cut Out the Extras
      Buying a $3 coffee every day may seem like no big deal, but it can add up to hundreds of dollars every year. Eating out is even more costly. Instead of letting these small expenses chip away at your budget, work to minimize them. Buy a smaller coffee, or forego it altogether; eat out less often or share plates with friends. These changes will make a big difference to your bank account
       
    • Cook Your Own Meals
      Even if you’re not a gourmet chef, you can learn to prepare healthy, delicious meals that will be much cheaper than take-out. If you’re too tired to cook when you come home from work, make big batches of soups or casseroles on the weekends to keep in the fridge and microwave when you come home on weekday nights.

    When you follow these simple tips, you’ll find that your bank account doesn’t look nearly so dismal at the end of every month. Put that extra money into a savings account at Jeanne D’Arc Credit Union, where our 7% interest rate will help it grow even more. Call us at (978) 452-5001 to get started.

    Financing is the Key to Your Business

    Last updated 2 years ago

    Financing is essential to any successful business, and can be the key to your business’ ability to thrive and to grow. The relationship between you and your bank should be more than just a contractual arrangement: in many ways, it should feel like a partnership.

    Take a look at this video to see how a bank with your interests at heart can help your business succeed. Follow the story of Lowell’s Alpine Butcher to learn how a bank like Jeanne D’Arc Credit Union will take the time to understand your company’s individual needs.

    If you’re in the Lowell area, call Jeanne D’Arc Credit Union at (978) 452-5001 to see how our financing options can help your unique business. A part of the Lowell community since 1911, it is our passion to help Lowell’s businesses grow. At Jeanne D’Arc Credit Union, we share a common thread. 

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