Pelham - Windham News March 25, 2011 - 19
Te first graduating class of Budget Buddies.
Social responsibility is a concept Jeanne D’Arc Credit Union takes seriously. The organization’s core purpose is “to help each member make smart financial choices,” but its sense of duty and concern for the community transcends anything taught in college finance. “We get involved in certain charities and causes because we are dedicated to helping people who are at critical points in their lives,” explains Mark Cochran, Jeanne D’Arc Credit Union’s President and Chief Executive Officer. “We exist to help people, including those of modest means.” Jeanne D’Arc Credit Union has found that
employing a holistic approach is the best way to assist its members and community residents. “We are here to make our communities better and one way to do that is by enhancing the lives of individuals living in those communities,” Cochran says.
Rather than educating people solely about
checking and savings accounts, loans, and other standard financial products, the credit union also strives to teach a variety of life skills. Budgeting, the importance of higher education, maintaining a good credit rating, reducing household costs, and creating a stable lifestyle are just a few of the areas the Credit Union routinely discusses with community members. One example of how the Credit Union employs products to help members is its low-rate VISA credit card. The credit card offers an initial rate of 3.99 percent APR and ongoing rates as low as 7.99 percent APR, depending on the member’s credit score. The credit card is consumer- advocate approved by Nerd Wallet. Equally important are the many charitable efforts the Credit Union supports, such as Catie’s Closet (which collects and distributes clothing for homeless and needy teens), My Father’s House
(which provides shelter, food, and education to young, single mothers), Rebuilding Together Lowell (which performs repairs on homes of elderly residents), Living Waters Ministry of Hope (which strives to aid the homeless, rebuild lives, and teach life skills), Budget Buddies (which provides ongoing financial coaching for low-income women), Girls, Inc. (which teaches independence and personal responsibility), the Greater Lowell YMCA, and many more. “It all ties back to our tagline, ‘We Share a Common Thread,’” Cochran explains. “There are about 100 charitable and community endeavors that we sponsor and they are all geared toward helping people and building relationships with people.” The Credit Union’s efforts all focus on
improving people’s lives, but each endeavor works toward the goal from a different angle. Some people need to learn basic life skills – for example, budgeting, bill paying, resume writing, and interviewing expertise – and others need more concrete assistance such as housing, clothing, food, and medical care. The Credit Union’s goal is to attack the problems of poverty from every possible direction. Jeanne D’Arc Credit Union is willing and able to take on creative initiatives that would typically be frowned upon at for-profit financial institutions. It has four full-service high-school branches, an entire department focused on community education, a program designed to encourage low- income people to save by offering 7.00 percent APY interest on the first $500, and MoneyStrong, a concept inspired by a desire to help those just entering the financial marketplace or needing to rebuild their credit. “Those are all very unique to us and highly
Jeanne D’Arc Credit Union – Making Communities Better
beneficial to people in the region,” Cochran says. “By paying an extraordinary rate, we are able to give people an incentive to start saving, and we can assist those people who currently have no credit but want to start creating their financial profile.”
Earlier this month, Jeanne D’Arc Credit Union held its “We Share a Common Thread” fundraiser, benefiting Lowell General Hospital’s Teamwalk for Cancer Care, the American Heart Association, and the Credit Unions of Massachusetts’ Kids at Heart
VISA® 3.99% 7.99% APR** .
We are committed to helping you make smart financial choices. Contact us today.
Lowell | Dracut | Chelmsford | Tyngsboro | Methuen JDCU.com
| 978-452-5001 | 877-604-5328
*APR = Annual Percentage Rate. **After the first six (6) months from the account opening date, your rate will be based on the program you choose and your credit worthiness subject to a maximum APR of 15.99%. Rates as of 10/01/10 and are subject to change. Other fees and charges may include; Cash Advance Fee of 2.00% of transaction or $5.00 minimum, $50.00 maximum; Minimum Interest Charge of $.50; International Transaction Fee with currency conversion is 1.00% of the amount of your transaction in U.S. Dollars. Without currency conversion fee is 0.8% of the amount of your transaction in U.S. Dollars. A $5.00 Membership Account required.
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WE ALSO SHARE A COMMON DESIRE TO SAVE MONEY.
Switch your high-rate credit card to a Jeanne D’Arc low-rate VISA Credit Card. We offer no annual fees and no balance transfer fees. Our low introductory APR applies to ALL purchases, ALL cash advances and ALL balances transfers for the first 6 months. After 6 months, rates are as low as
Program for Children’s Hospital Boston. The fun- filled event attracted more than 300 people and raised more than $21,000 for the charities. Serving those in the region is an integral part of
Jeanne D’Arc’s culture. “Whenever we have the ability to improve the
lives of people in our membership communities, we are going to embrace it,” Cochran emphasizes. “It is our reason for being and is at the heart of all we do.”
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New England winters are always tough on roofs, gutters, and homes in general. This winter’s power outages and heavy snow storm damages saw a lot of competing companies who would over-promise and under-deliver. Never ever give any contractor any money ahead of the work being done. Would-be contractors promising to be back in a week or so to begin a project and never returning have victimized many folks. In fact, the Attorney General of NH stated that many scam artists have
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