Jeanne D'Arc Credit Union

What Jeanne D'Arc Credit Union does

Jeanne D'Arc Credit Union is a member-owned, not-for-profit financial cooperative founded in 1912 and headquartered in Lowell, Massachusetts. It serves 100,000+ members across seven branches spanning the Greater Lowell area (Lowell, Dracut, Chelmsford, Tyngsboro, Methuen, Westford) and Southern New Hampshire (Nashua). The institution generates revenue primarily through net interest income on a diversified loan book — residential mortgages, home equity, vehicle, personal, student, debt consolidation, and business loans — supplemented by fee income on credit cards, certificates of deposit, money market accounts, IRAs, wire transfers, and fraud protection services. As a cooperative, profits are reinvested rather than distributed to external shareholders.

The product surface spans personal banking (Save & Spend suite, Buy & Borrow lending suite), business banking (checking, savings, loans, credit cards, IOLTA checking, SEP IRAs), and an emerging payments and merchant services stack. Digital delivery runs on the Fiserv TouchBanking mobile application for iOS and Android, the Alkami Digital Sales & Service Platform with MANTL onboarding for digital account opening, the Alacriti Orbipay Payments Hub providing real-time payments via the RTP network and FedNow Service, and the Payroc platform for business payment processing, POS, electronic invoicing, and same-day funding. Distribution combines the physical branch network, online banking (my.jdcu.org), the TouchBanking app, Call24 phone banking, and the ATM network.

The go-to-market is direct-to-consumer and community-anchored: physical branches serve as the primary acquisition and servicing channel, supplemented by digital onboarding, content marketing (The Money Mill blog), member testimonials, community sponsorships, and the We Share A Common Thread Foundation. In 2024, the credit union donated approximately $560,000 to 390+ local nonprofits and runs the MoneyStrong Scholarship and Class Act/Clear the List teacher recognition programs. Pricing is positioned around member benefits rather than margin capture — savings rates up to 8.00% APY, CDs up to 3.75% APY, auto loans as low as 4.99% APR, and no annual or balance transfer fees on credit cards. Leadership is held by CEO Mark Cochran.

Name

Jeanne D'Arc Credit Union

Legal name

Jeanne D'Arc Credit Union

Website

https://jdcu.com

Company type

Private

Founded year

1912

Operating status

Operating

Headcount range

101–250 employees

Short description

Jeanne D'Arc Credit Union is a member-owned, not-for-profit cooperative founded in 1912, serving 100,000+ members across Greater Lowell (Massachusetts) and Southern New Hampshire through seven branches and a digital banking stack spanning Fiserv, Alkami/MANTL, and Alacriti-powered real-time payments.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Retail banking services
• Consumer lending
• Community credit union
• Business banking services
• Digital payments

Headquarters

HQ city

Lowell

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: Credit unions generate revenue primarily through interest earned on loans including home mortgages, vehicle loans, personal loans, and business loans. As a not-for-profit organization, profits are returned to members through better rates and fewer fees.
2. Fee-Based Services: Various banking services including credit cards, certificates of deposit, money market accounts, IRAs, and fee-based services like wire transfers and fraud protection
3. Business Banking Services: Business checking, savings, loans, credit cards, and specialized services like IOLTA checking and SEP IRAs for business clients

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Jeanne D'Arc Credit Union is a not-for-profit, member-owned financial cooperative that provides personal and business banking products, including checking, savings, certificates of deposit, money market accounts, IRAs, credit cards, and a full suite of loans (home, home equity, vehicle, personal, debt consolidation, student, and commercial). Services are delivered through a regional branch network across Massachusetts and Southern New Hampshire plus digital channels (online banking and the TouchBanking mobile app), now augmented by real-time payments (RTP/FedNow) and merchant payment processing.

Product overview

Jeanne D'Arc Credit Union operates as a not-for-profit member-owned financial institution offering a comprehensive suite of banking products and services. The core offering consists of personal and business banking products including checking, savings, credit cards, and loans (home, vehicle, personal, student, and business). Digital banking is delivered through Online & Mobile Banking with TouchBanking (Fiserv) mobile apps, supplemented by the Alkami Digital Sales & Service Platform with MANTL for account opening. Payment capabilities have been modernized through the Alacriti Orbipay Payments Hub enabling real-time payments via RTP and FedNow networks, and Payroc partnership providing business payment processing. Additional services include Member Perks rewards, insurance, fraud protection, wire transfers, and business services for nonprofits. The credit union serves 100,000+ members across Massachusetts (Lowell, Dracut, Chelmsford, Tyngsboro, Methuen, Westford) and Nashua, New Hampshire.

Differentiator

Problem solved

Functional benefit

Brands

• We Share A Common Thread Foundation: Foundation associated with the credit union that supports community giving and the Give A Click program.

Products and services

• Personal Checking Personal checking account designed to help individual members save and spend with ease; part of the personal Save & Spend suite.
• Personal Savings Personal savings account offered to individual members, with rates as high as 8.00% APY.
• Credit Cards Personal credit cards offering security, convenience, low rates, and no annual or balance transfer fees.
• Certificates of Deposit Term deposit (CD) accounts for individual members with rates as high as 3.75% APY.
• Money Market Account Money market savings account offering competitive rates for individual members.
• IRAs Individual Retirement Accounts to help members save for retirement.
• Home Loans Mortgage products for members purchasing homes, ranging from starter homes to dream homes.
• Home Equity Line of Credit Home Equity Line of Credit Advantage that lets members leverage their home's equity for major purchases or expenses.
• Vehicle Loans Auto loans for new and used vehicles with rates as low as 4.99% APR.
• Personal Line of Credit Revolving personal credit line offering flexible access to funds for personal use.
• Personal Loans Unsecured personal loans for large purchases or financial needs.
• Debt Consolidation Loans Loans that help members consolidate and pay off existing debt.
• Student Loans Education financing loans for members pursuing further education.
• Online & Mobile Banking 24/7 digital banking via the my.jdcu.org web platform and TouchBanking mobile app on iOS and Android, for account access and management.
• Member Perks Member benefits program offering discounts, rewards, and exclusive offers.
• Insurance Insurance products designed to protect members' financial well-being.
• Fraud and Theft Protection Security services that protect members from fraud and identity theft.
• Wire Transfer Instructions Service for sending and receiving domestic and international wire transfers.
• Business Checking Business checking account designed for business operations and cash management needs.
• Business Savings Business savings account for owners to store and grow business funds.
• Business Loans Comprehensive lending solutions for businesses, including commercial real estate, equipment financing, and working capital loans.
• Business Credit Cards Business credit cards with features such as expense tracking and rewards.
• IOLTA Checking Interest on Lawyers' Trust Account (IOLTA) program for attorneys and legal professionals.
• SEP IRAs Simplified Employee Pension (SEP) IRAs for business owners and self-employed individuals.
• Real-Time Payments Instant payment receipt capability for members through the Alacriti Orbipay Payments Hub on the RTP network and FedNow Service, enabling 24/7 real-time funds receipt.
• Digital Account Opening Online and mobile account opening functionality powered by MANTL and integrated with Alkami's Digital Sales & Service Platform for retail and business members.
• Business Payment Processing Merchant payment processing for business members via the Payroc partnership, including point-of-sale systems, online payments, electronic invoicing, fraud management, and same-day funding.

Quantifiable outcome

• In 2024, donated nearly $560k to support more than 390 local non-profits
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• PayroccoreTechnology or Integration · 6 April 2026Partnership effective April 6, 2026 to provide comprehensive payment processing solutions to Jeanne D'Arc Credit Union's business clients. Under the agreement, JDCU members gain access to point-of-sale systems, online payments, electronic invoicing, fraud management, and same-day funding services. Both organizations characterize the collaboration as a shared commitment to helping merchants operate efficiently and grow their businesses in the Greater Lowell and Southern New Hampshire area.
• AlacriticoreTechnology or Integration · 7 January 2026Partnership to launch real-time payment capabilities through the Orbipay Payments Hub, becoming live on both the RTP network and FedNow Service for receive functionality. This rollout represents the first major milestone in a multi-year payments modernization strategy, enabling JDCU's 100,000+ members to receive funds instantly 24/7. The dual-network approach positions the credit union to offer members faster, more flexible payment options while modernizing its treasury operations.
• AlkamicoreTechnology or Integration · 6 November 2025Integration of MANTL's Onboarding & Account Opening Solution into Alkami's Digital Sales & Service Platform to enhance digital transformation. This expansion aims to streamline member onboarding processes and improve digital engagement for retail and business clients, with plans to further modernize banking experiences across channels.
• MANTLcoreTechnology or Integration · 6 November 2025MANTL's Onboarding & Account Opening Solution integrated into Alkami's Digital Sales & Service Platform. Solution streamlines member onboarding processes and improves digital engagement for retail and business clients as part of Jeanne D'Arc's digital transformation strategy.

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Others

• Fiserv: Core banking and digital banking technology provider whose TouchBanking platform powers JDCU's mobile app and whose infrastructure underpins many credit unions and community banks. A technology partner rather than direct competitor, but a relevant ecosystem participant whose roadmap and pricing directly affect JDCU's digital capabilities.

Direct peers

• Service Credit Union: New Hampshire-headquartered credit union with branches across NH, MA, and beyond — including presence in the Nashua market where JDCU also operates. Comparable member-owned model with similar consumer and business banking product focus.
• Workers Credit Union: Massachusetts-based community credit union with a comparable mid-size member base and similar geographic focus in the Greater Boston / North Central MA region. Directly competes for the same consumer and small business banking members, offering a similar product set including loans, deposits, and digital banking.
• Digital Federal Credit Union (DCU): Large Massachusetts-headquartered credit union serving members across New England with a comprehensive personal and business banking product set. Operates with a similar member-owned cooperative model but at significantly larger scale, providing a relevant comparable for JDCU's growth trajectory.
• Hanscom Federal Credit Union: Massachusetts-based federal credit union with field-of-membership spanning military and community members across New England. Competes for similar consumer and small business banking relationships, with a comparable size and digital offering profile.
• St. Mary's Bank: New Hampshire-based member-owned credit union offering consumer and business banking across southern NH and northern MA. Direct peer in the same geographic corridor, with comparable community credit union positioning and product breadth.

Emerging players

• Ally Bank: Digital-first bank with no physical branches, offering high-yield savings, CDs, and consumer lending nationally — directly competing for digitally-engaged members within JDCU's footprint. Represents the fintech-style competition that pressures community credit unions on rates and digital experience.

Regional players

• Reading Cooperative Bank: Massachusetts community bank serving consumers and small businesses with a personal banking and lending model. Operates in adjacent geography with similar relationship-based approach, providing a relevant regional comparable for JDCU's small business banking strategy.
• MountainOne Bank: Massachusetts community bank operating in the Berkshires and broader New England with a focus on relationship banking and small business services. Comparable in scale and community orientation, but geographically separate from JDCU's Greater Lowell footprint.

Broad incumbents

• Eastern Bank: Largest community-oriented bank in Massachusetts with broad consumer and small business banking across the state, including the Greater Lowell area. A larger incumbent competitor with overlapping products but broader geographic and product reach than JDCU's community credit union offering.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/jdcreditunion
• Facebookfacebook.com/jdcreditunion

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jeanne D'Arc Credit Union