September 2022
Fall Shopping Smart Buys
Get ready for big savings on big-ticket items this September! Retailers want to bring the crowds back after the big back-to-school storm has passed, and to clear the shelves before the holiday season blows in. All that, plus the Labor Day sales, means big savings in September – but not on everything. Here’s what to buy and what to skip in September.

Buy: Mattresses and bedding
Mattress sales give Labor Day its awesome name, and for good reason. Get crazy-deep discounts on mattresses this month at almost any retailer that sells them. Top off the deal with some bedding and bath supplies, which are also selling at bargain prices... [READ MORE]
Use Your Home's Equity To Make It Your Happy Place
*No closing costs with $10,000.00 minimum loan amount, a $5,000.00 initial advance, and a balance maintained for the first year. HELOC is only available on property located in Florida, Georgia, Alabama, South Carolina, North Carolina or Missouri. No condos, manufactured, or mobile homes. **Annual Percentage Rate. All loans subject to approval. Terms and conditions based on an evaluation of each borrower’s credit file.
Trust Services: A Will Is Not The Only Way
We know that while you can’t predict the future, you can prepare for it.

A will defines your final wishes, but a trust covers you in the event of incapacity or death. Trust documents represent how, when, and to whom you want your assets distributed, no matter the size of your estate. Both are essential parts of a comprehensive estate plan... [READ MORE]
*APR = Annual Percentage Rate. All loans subject to approval. Terms and conditions based on creditworthiness and an evaluation of each borrower’s credit file. Offer valid September 1-30, 2022.
What's Your New School Year's Resolution?
Ah, autumn. That wonderful time of year when the leaves change color, football takes over the television for five uninterrupted months and students head back to school. Alright, it’s not actually autumn; it’s August. It’s still summer outside, and more of the country is watching grass turn brown than observing the leaves transitioning to orange. School is starting, though, and you’ve probably already gone through a lot of the rituals that accompany a new school year, so you may be in a back-to-school mood... [READ MORE]
Member Question: "How Should I Pay?"
Q: When paying for my every day and occasional purchases, should I be using cash, credit, or debit?
A: Some purchases should be paid for with cash, some with a credit card and others with a debit card. Let’s take a closer look at each method and when they should be used.

When should I use cash?
Some retailers offer discounts for paying in cash... [READ MORE]
JM Associates Federal Credit Union | 800-581-2256
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