Assets: $116,545,847
Membership: 8,054
December 2018 - In This Issue:

Holiday Closings
JMAFCU will be closed:

Monday, December 24
Tuesday, December 25
Monday, December 31
Tuesday, January 1

Have a safe and happy holiday season!
There Is Still Time to Get Your Gift Cards!

No Purchase Fee Now Through December 31!
With a Visa gift card from JM Associates FCU, giving the perfect gift is simple and stress-free!

Have you been trying to find a gift for the person who already has everything?
Look no further than a JMAFCU Visa gift card.
These pre-paid cards can be purchased in amounts from $10 to $1,000 and can be used anywhere Visa is accepted - even online.

A Visa gift card works just
like a credit card - simply swipe and sign (depending
on store policy). Use the
card repeatedly until the balance is depleted.

Stop stressing about the perfect gift! JMAFCU has
got you covered!
Is Coming
Change is coming to your JMAFCU eNews You Can Use newsletter. We know how important it is for you to keep up with your financial news, but we also know that there are only so many hours in the day! That's why we are changing your eNews You
Can Use newsletter to
provide fewer articles
but more relevant, easier-to-digest content. Watch for the new format coming in 2019.
Keep Your Cards Safe
This Holiday Season
With all the hustle and bustle this holiday season, make sure you keep your JMAFCU Visa CheckCard and credit cards safe by downloading our free JMCard SAFE app from your mobile device's app store. Register your JMAFCU cards to receive real-time usage alerts as well as to disable your cards remotely if they are lost or misplaced.
Surviving the Holidays
With Your Sanity and Budget Intact
Member Question: Responsible Spending

Q:  Help! I'm fretting over holiday expenses. How am I going to pay for all this stuff? 

A:  Relax! You can keep your budget and your sanity, too! Take a few minutes to learn how you can spend responsibly this season. Let's explore some options: 
1. Credit Cards 
Credit cards can be a great tool when wisely used. If you are using credit this holiday season, make sure you are taking advantage of the lowest rates possible and that your fees are low.
Nice:  Your credit union, JMAFCU, offers three different low-rate Visa® credit cards. Our cards have no annual fee and no balance transfer fee!
Naughty:  Merchant credit cards typically offer higher interest rates and higher fees. Don't be enticed by offers to save money on your purchases by applying for a store card. If you don't pay your balance off in full, the sometimes-high interest rates associated with these accounts can make this a bad deal.  

2. Personal Loans 
Anytime you need a pile of dough, you can stop by  JMAFCU to apply for a personal loan. Our representatives are always happy to help you! 
Nice:  Our personal loans have low interest rates, which make the payback plan affordable for almost any budget. 
Naughty:  If you're already carrying a load of debt and unpaid loans, don't take out another one just to get you through the holidays. 

3. Skip-a-Payment 
At  JMAFCU , we offer you our own gift this time of year: the option to skip a monthly loan or credit card payment to give you that extra cash flow. Note: If your loan qualifies, you will be notified by mail.
Nice:  When you choose Skip-a-Payment, you can pay for those presents without adding to your current debt. No high-interest bills to haunt you!  
Naughty:  Every Skip-a-Payment extends the term of your loan. 

4. Christmas Club Account 
Pay a little bit toward this expensive season all year long by opening a  Christmas  
Club Account. 
Nice Christmas   Club Accounts offer you a way to pay for your holiday shopping ahead of the season, instead of playing catch-up on your bills in the coming months. 
Naughty:  It's too late to open a  Christmas  Club Account   to help you make it through this season. But, it's never too early to start thinking about next year! 

5. Deferred-Interest Financing 
If you're considering several large purchases at big-box stores, consider signing up for the retailers' deferred-interest financing. Many chain stores offer customers this interest-free financing option, so they can walk out with their purchase today, and pay for it tomorrow. 
Nice:  Deferred-interest financing works just like an interest-free line of credit, only it's exclusive to the store selling it. If you don't like the idea of opening another credit card, but you need that interest-free option, this can be the perfect solution for you. 
Naughty:  If you neglect to pay off your bill before the interest-free period expires, you'll be slapped with sky-high interest fees.  

Mobile Deposit - What It Is and Why You Should Be Using It!  
Mobile Deposit is a feature of JMAFCU's SAFE Mobile app, and it allows you to remotely deposit your check(s) using your smartphone or tablet. It's easy to do! Log in to SAFE Mobile, select Mobile Deposit, follow the endorsement instructions, take a photo of your check from within the app and submit it directly to your JMAFCU account.

Mobile Deposit, also called Remote Deposit Capture (RDC), has many benefits:

 * Convenient and easy to use

 * Saves you the time you would have spent driving to your local branch

 * Avoids the five-day hold placed on all ATM deposits

To use the Mobile Deposit feature, you must have access to SAFE IB, JMAFCU's Internet Banking product, and the SAFE Mobile app. Signing up for these products is very easy!
Contact your JMAFCU branch or Member Contact Center for details
or assistance.

This holiday season, skip the tricks and traps of merchant credit cards
and shop with a JMAFCU Visa credit card instead! You'll not only enjoy
a great rate, but also earn one entry into our holiday giveaway each time
you use your card in December.*
You could win one of the following prizes:

$200 Visa Gift Card

Amazon® Alexa-Powered Echo Show

Don't yet have a JMAFCU Visa credit card?
Apply today and get one entry once you're approved! The greater
your number of entries, the greater your chances of winning your
choice of a great holiday gift.

*Promotion ends December 31, 2018. There will be two prizes awarded. Winners will be notified by January 4, 2019.

Please Note: Fair Market Value

The Fair Market Value (FMV) of any IRA is the total of all shares and/or certificates held as of December 31, 2018. This information will be reported to the Internal Revenue Service. You still have until April 15, 2019, to make a tax year 2018 contribution to your IRA. You will see the Fair Market Value on your December 31, 2018, statement.

JM  Associates Federal Credit Union