October 2021
International Credit Union Day 2021
October 21, 2021
Each year we come together to celebrate International Credit Union Day (ICU Day)® and raise awareness about what it means for members around the world to have a credit union as their financial partner.

This year's ICU Day theme, “Building financial health for a brighter tomorrow,”™ reflects the way credit unions contribute to a brighter future by working to improve members' financial well-being. It is at the heart of the mission and structure of credit unions. The essence of this commitment is reflected in our bylaws and it's something JMAFCU has been doing for more than 40 years.
Make Your Home Work For You
JMAFCU understands the challenges that come with balancing life’s many expenses. With a JMAFCU HELOC you will have the flexibility to pay down your credit line and access to cash whenever you need it. As a convenient and cost-effective way to not only borrow money, but also to help you be prepared for the unexpected, the equity in your home is a valuable and sometimes untapped resource.
 
Whether you need some extra cash for home repairs or improvements or need to consolidate debt, a JMAFCU home Equity Line of Credit (HELOC) can add some extra cash to your toolbox. With affordable monthly payments, your HELOC can be used in several ways.
No closing costs with $10,000.00 minimum loan amount, a $5,000.00 initial advance, and a balance maintained for the first year!
Offer valid October 1 – October 31, 2021. Approval subject to creditworthiness. The HELOC plus your existing first mortgage cannot exceed 85% of the appraised value of your home. The HELOC has a variable rate that is tied to the prime rate and may change quarterly. You may obtain credit advances for eight (8) years with a payoff period of twelve (12) years. No closing costs with $10,000.00 minimum loan amount, a $5,000.00 initial advance, and a balance maintained for the first year. The HELOC is only available on property located in Florida, Georgia, Alabama, South Carolina, North Carolina, or Missouri at this time. You should consult a tax adviser regarding the deductibility of interest and charges for the plan.
Meet Our Team: Brandon Jenkins
Brandon Jenkins, Collections Manager in our Westlake office, joined our team in February of 2020. Brandon spent 8 years as a military police officer in the United States Air Force. He has over 10 years of experience in the collections and customer service field. Brandon is a native of Jacksonville, Florida. And on his time off he enjoys playing and watching sports, traveling, concerts, and eating- A LOT. Brandon has an 11-year-old daughter that takes up a lot of his time, but being a single dad is, “without a doubt, the best job he has ever had.”

For assistance with your accounts, contact Brandon at 800-581-2256.
5 Steps to Take Before Making a Large Purchase
Have you been bitten by the got to-have-it bug? It could be a Peloton bike that’s caught your eye, or maybe you want to spring for a new entertainment system? Before you go ahead with the purchase, though, it’s wise to take a step back and follow these steps.

  1. Wait it out
  2. Consider your emotions
  3. Review your upcoming expenses
  4. Find the cheapest source for this item
  5. Choose your payment method carefully

There are many options available, just make sure you arm yourself with information to make the best financial decision... Read More.
How to Keep Your Identity Safe
  • Only carry essential documents with you
  • Keep new checks out of the mail
  • Be careful when giving out personal information over the phone
  • Your trash is their treasure
  • Make sure others are keeping you safe
  • Stay on top of your credit
  • Protect your Social Security Number
  • Follow your credit card billing cycles closely
  • Create passwords or PIN numbers out of a random mix of letters and numbers
  • Protect your identity online and be wary of email schemes

Sign up for identity theft protection at https://www.membersecuritycenter.com. Read More.

Types of Identity Theft
  • Driver's License
  • Mail Identity Theft
  • Debit/Credit Card
  • Social Security Number
  • Online Shopping
  • Tax Identity Theft
  • Medical Identity Theft
Do You Have Questions? Members Trust Company Has Answers.
You don’t have to be a Rockefeller to predict – or protect – your future, even while you’re still here. For estates big and small, ask how we can customize a trust to suit your needs today.

 Call Members Trust Company (888) 727-9191 to learn more.

JM Associates Federal Credit Union | 800-581-2256
Equal Housing Lender