January 2022
5 Ways to Make Money Resolutions That Stick
By GreenPath Financial Wellness

The New Year is a time for new beginnings. Are you ready to make money resolutions that stick? Eliminating debt, learning new spending habits, or building savings are choices that can change your life. They can affect your entire well-being from stress levels, to physical and mental health.

When considered as one big New Year’s goal, it can be overwhelming to know where to begin. To make it possible in the year ahead, here are five tips to commit to your financial health...READ MORE.
Introduce Your BFF to Your PFI!
(Primary Financial Institution)

For every friend you refer, you get $25!
Our 90%+ member approval rate tells us you appreciate the access you have to the best products and services the financial services arena has to offer. That's why being your PFI (Primary Financial Institution) is an honor we don't take for granted.
Refer more new members to JMAFCU, get more cash to start 2022!
Being your Primary Financial Institution (PFI) means that you have entrusted us to provide at least three of our top services and that puts you in an elite group of members (you could say that makes you our BFF). We know that when you discover something good, you share it! So to help you share the benefit of membership with your family and fellow JMFE associates, we're once again offering our refer-a-member incentive of a $25 deposit into your account when your referral joins JMAFCU with a qualifying checking account or member loan.

Referring a JMFE associate or family member is a simple, two-step process:

  1. Complete the form by clicking the New Member Referral Form button below.
  2. Receive a $25 deposit into your account when your referral joins JMAFCU with a qualifying checking account or member loan.*
*New membership must include a minimum deposit of $100.00, an eChecking Account or qualifying loan and Direct Deposit. Visit us at https://jmafcu.org/member-resources to learn more. Celebrate the New Year by sharing the best in financial products and services. Your family members and fellow JMFE associates will be glad you did.
It's Not Too Late to Get Your Christmas Wish: Great New & Preowned Auto Rates!
Rates are as low as 2.39% APR*
*APR = Annual Percentage Rate. All loans subject to approval. Terms and conditions based on creditworthiness and an evaluation of each borrower’s credit file. Interest accrues at loan origination date.
Meet Our Team: Bruna Abreu
Bruna Abreu is a Member Service Representative at our Deerfield Beach branch.
She joined our team in 2018 and is the first person you see when you walk into the branch. We like to call her station the "express lane".

Bruna’s priority is to make members feel welcome and she takes extra care helping to meet their financial needs. With over 10 years of experience, she takes great pride in providing excellent member service.
Bruna is fluent in English, Portuguese, and “Portuñol”, which is a pidgin, or simplified mixture of Spanish and Portuguese.

Bruna is here for you! For personalized service call 800-581-2256.
Annual Credit Report Review
The start of a new year is a great time to check your credit report; especially after all the holiday shopping is done. You can request your free annual credit report from the official website annualcreditreport.com. Other sites claim to offer free credit reports but require you to purchase other products to receive them.

The three nationwide credit reporting agencies have set up one central website, toll-free number and mailing address through which you can order your free credit report:

Call 877-322-8228

Complete and mail the Annual Credit Report Form to:
Annual Credit Report Request Service
P.O. Box 10528
Atlanta, GA 30348

Helpful Hint: Get your free credit report 3 times each year! Order one from a different credit bureau every quarter. Example: first quarter order one from Equifax, Second quarter order your credit report from Transunion and third quarter order your credit report from Experian.

Credit Card Buyer's Remorse?
Were those holiday merchant credit card offers too hard to resist? Did you end up with credit cards galore and are now in fearful anticipation of the bills that are on the way? What if we could take all those high-rate cards and consolidate them into one JMAFCU Visa® Rewards credit card? Our cards offer great low rates, cash back rewards on purchases, and one low monthly payment. 

How’s that for reducing your post-holiday stress? Click here to apply online and let us help you reduce that stress.  
It’s a great time to refinance!
COMPLIMENTARY MORTGAGE CHECKUP
Questions? Contact us today 855.438.6845
Capital Mortgage Funding I 17170 W. Twelve Mile Rd. Southfield, MI I (855) 438.6845
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Capital Mortgage Funding is powered by Fairway Independent Mortgage Corporation. NMLS#2289.
JM Associates Federal Credit Union | 800-581-2256
Equal Housing Lender