Newsletter - JM Associates Federal Credit Union

A Member’s Advantage
NEWS
June 2013
you can use
Financial Wellness
When Was the Last Time You Had a Check-Up?
Did you know that your financial health is as important as your
physical health? When was the last time you had a financial check-up?
JMAFCU is bringing financial wellness to a facility near you!
World Omni Service Center, Mobile, AL World Omni, St. Louis, MO
JMFE Inc., Deerfield Beach, FL
July 10, 2013
July 30, 2013
August 22, 2013
These events are fun-filled financial expos where JMAFCU representatives
and business partners will assess your financial condition and give “prescriptions”
to help improve your overall financial health. You will have the opportunity to visit each participating vendor for valuable
information and giveaways. Once you receive your clean “bill of health” by having your chart signed by each vendor, your
name will be entered into a drawing for even more prizes.
Watch your email inbox for more information and additional locations and dates.
Summertime and the
LENDING is Easy!
It’s summertime and the lending is easy! Are you looking to add a
new swimming pool for some much-needed R & R? How about a
recreational vehicle? A jet ski or even an ATV? Summertime is a fun
time, and JMAFCU is lending a hand! Apply online at www.jmafcu.org
or by calling 800-581-2256. JMAFCU has money to lend!
JMAFCU: Above and Beyond!
Member
Voices
JMAFCU loves
hearing from you!
Please send your
comments or suggestions
to [email protected]. You may see them
published in our Member Voices section of the newsletter.
A True Life Saver:
Capital Mortgage Funding
“I was in desperate need of help with my mortgage.
I had tried everything and had nowhere else to turn. After
talking to my credit union, I was referred to JMAFCU’s
mortgage partner, Capital Mortgage Funding. John
Teweles and Shanell Elias of Capital Mortgage were both
great! They made the whole process as simple as could
be. John was a Godsend! He went to work right away
explaining everything, every step of the way and assured
me that they could help. He was willing to help me when
no one else would! Capital Mortgage Funding was able to
refinance my mortgage, reduce my interest rate and lower
my payment!
I am very grateful to my credit union for providing access
to Capital Mortgage Funding and John Teweles. I would
recommend his services to anyone because he’s the best!”
Don’t Leave Home
Without Us!
Wherever you go, chances are you
have your smartphone or tablet
with you. Why not take your credit
union along with you? With JMAFCU’s
Mobile App, you will be able to do just
that! Here are five great reasons to download your
mobile app today:
1. Monitor your finances from anywhere
2. Manage your accounts right from your device
3. Transfer funds from one account to another, even from
member to member
4. Make loan or credit card payments
5. Locate fee-free ATMs no matter where you are
Only SAFE IB users can access the JMAFCU Mobile App.
However, even if you are not a SAFE IB user, you can still
download the app for access to the ATM locator. To
download the app, search your devices’ App store for
JM Associates. You will be prompted to download your
free mobile app. Please note: Your user ID and password
are the same as what you use for SAFE IB. Contact your
local branch for more details.
Facebook
Contest
Winner
Summertime Travel Plans?
Don’t Get Blocked!
If you have summertime travel plans, do not forget to let
your credit union know BEFORE YOU GO, especially if you
will be traveling internationally. By notifying us before you
go, you prevent your JMAFCU Visa® CheckCard or credit
card from being blocked while you are traveling to
countries that have higher than average fraudulent activity.
Call your local JMAFCU branch and we will make sure that
your cards will be ready to use while you travel.
Congratulations to
Shonna Edwards, the
winner of our What’s To
Love About Your Credit
Union Facebook contest.
Shonna received a Regal
Cinema Movie Pack. “Like”
our Facebook page to
stay in touch with your
JMAFCU!
Reduce Energy Use and Stop
Draining Your Wallet
$160 billion is a huge amount of money. But that’s how
much Americans spend annually on heat, air conditioning
and electricity.
For the majority of homeowners, high energy bills are the
result of insufficient energy conservation. If you make your
home more energy efficient, you’ll be able to take up to
20%-30% off your total bills. And it isn’t as hard to do as
you might think.
The first step in making your home more energy efficient
is to locate the problem areas. If you’re unsure of what
to look for, hire a professional to assess your home and
energy use. A home energy audit can spot wasted energy
—which is wasted money for you.
A professional will look to see if your windows and doors
have leaks around them and if the air ducts in your home are
sealed properly. Just a couple of leaks in the attic can take up
to 30-50% of your home’s heat, and unsealed air ducts can
reduce the efficiency in your home by up to 40%.
Here are some other bright ideas that can make a big
difference in your energy bill:
• Turn off those lights—When you leave a room, always
turn off any lights you used.
• Buy energy efficient appliances—They cost less to run
and over time will give you considerable savings on your
electricity bill.
• Save on hot water—Use ‘economy’ programs on your
washing machine, or consider washing your laundry with
cold water.
• Install a low-flow showerhead—And also reduce your
shower time by just a few minutes.
• Turn off your computer monitor if you aren’t going
to use the PC for more than 20 minutes. Turn off the
entire system if you’re not going to use it for more than
two hours.
• Turn up the heat—Set thermostat at 78 in summer,
68 in winter.
• Insulate your attic—Attic insulation will keep the heat in
your home for longer and pay for itself in 2-3 years.
There you have it! In just a few easy steps, you can reduce
your energy consumption and your electric bills.
• Use energy efficient light bulbs—Not only do they last
up to 15 times longer than ordinary bulbs, but they also
use 80% less electricity.
Members Beware
Fraud Alert: Walmart.com Email Hoax on 5/16/2013
The Wal-Mart stores and headquarters began receiving large amounts of phone calls from customers
regarding an email they had allegedly received from Walmart.com regarding fraud orders using their
credit cards. After speaking with several customers, they were able to determine that the emails are
from an email address “@wallmart.com” and are hoax emails.
If you receive one of these emails, do not click any links inside this email, as it will inevitably lead
you to a fake Wal-Mart website that will either ask you for personal information, or somehow
infect your computer. If you need assistance, please call Wal-Mart at 1-800-WALMART.
JMAFCU, keeping you informed above and beyond what you expect!
8019 Bayberry Road • Jacksonville, FL 32256
904-443-6767 or 800-581-2256
Monday – Friday: 8:30 AM – 4:30 PM
PRSRT STD
U.S. POSTAGE
Branch Offices:
PAID
JM Associates Federal Credit Union
8019 Bayberry Road
Jacksonville, FL 32256
111 Jim Moran Boulevard • Deerfield Beach, FL 33442
954-429-2451
Monday – Friday: 9:00 AM – 4:30 PM
IMAGE.WORKS
53719
3120 Rider Trail South • Earth City, MO 63045
314-702-4305
Monday – Friday: 8:30 AM – 4:30 PM
6150 Omni Park Drive • Mobile, AL 36609
251-639-7700
Monday – Friday: 7:30 AM – 4:00 PM
800-581-2256
904-443-6799
Assets: $98,186,281
Membership: 7,376
Board of Directors
Art Mirandi
Cynthia Grieco
Marty Osborne
Jerry Cook
Chuck Fowler
Larry Jaffe
Ralph O’Day
Maryann Siler
Carolyn Weeden
Chairman
Vice Chairman
Treasurer
Secretary
Director
Director
Director
Director
Director
Chairman, Supervisory Committee
Vicki McComb
Newsletter Editor
Gigi Blackshear
SHARE RATES May 1, 2013
Dividend
Rate APY*
Savings
0.35%0.35%
Checking
0.00%0.00%
Super Savings
0.45% 0.45%
Christmas Club
0.35% 0.35%
Stow Away
0.35% 0.35%
IRAs
0.80%0.80%
CERTIFICATE & IRA RATES
(MINIMUM $1,000)
Six Months
One Year
1-1/2 Years
Two Years
2-1/2 Years
Three Years
Five Years
0.35%
0.55%
0.60%
0.75%
0.85%
0.95%
1.45%
0.35%
0.55%
0.60%
0.75%
0.85%
0.95%
1.46%
CERTIFICATE & IRA RATES
(MINIMUM $50,000)
Six Months
One Year
1-1/2 Years
Two Years
2-1/2 Years
Three Years
Five Years
0.40%
0.60%
0.65%
0.80%
0.90%
1.00%
1.50%
0.40%
0.60%
0.65%
0.80%
0.90%
1.01%
1.51%
*Annual Percentage Yield
Dividend rates and loan rates are subject to
change without notice. Please call a credit
union associate for further information
about applicable fees and terms.
1-800-581-2256
LOAN RATES
New Cars and Trucks
APR** TERM
as low as
as low as
as low as
as low as
as low as
Used Cars & Trucks
as low as as low as 1.80%
1.89%
1.99%
2.79%
3.25%
36 months
48 months
60 months
66 months
72 months
1.99%
2.69%
36 months
48 months
New Motorcycle
Personal - $25,000 maximum
as low as 9.75%
up to
60 months
(Terms and conditions determined by creditworthiness)
Preferred Line of Credit
8.00%
(open end, variable rate, prime + 2.00%)
$5,000 minimum
8.00% minimum – 18.00% maximum
Share Secured
2.35% up to
60 months
(Loan balance secured by regular share account balance)
(up to 90% financing of retail value)
as low as 5.50% up to 60
months
Second Mortgage
(Personal Residence Only)
(Up to 85% of appraised value) 8.99%
(Member pays closing costs)
9.99%
Home Equity Line of Credit (HELOC)
(Up to 75% of appraised value) 5.50%
$10,000 minimum,
variable rate based on Prime plus 0.00%
Other Secured Loans
(including new & used boats, RVs, older vehicles, etc.)
as low as 6.00% up to
60 months
120 months
180 months
Overdraft Line of Credit
120 months
**Annual Percentage Rate. All rates are based on
evaluation of the member’s individual credit history.
Your actual rate may vary. All rates and terms are subject
to conditions and certain restrictions may apply.
14.00%
Email: [email protected]
Website: www.jmafcu.org
Visit our website for
up-to-date rates and information.