Assets: $125,448,524
Membership: 7,945 
February 2018 - In This Issue:
Shopping for Valentine's Gifts?
Do You Know Your Cards Are SAFE?

JMCard SAFE is our mobile banking app that allows you to manage and secure your Visa® credit card and CheckCard and receive usage notification alerts. Every time your JMAFCU Visa credit card or CheckCard is used, you will receive a text and/or email message showing where your card was used and for what amount. If you lose your card while shopping, you can immediately cancel your card or temporarily turn your card off until it is located. Imagine receiving an alert that your card was used somewhere, and the transaction was not done by you; you were not even aware that you had lost your card. Instead of going into panic mode, using the app, you can immediately shut the card down to prevent further fraudulent activity. The JMCard SAFE app gives you control of your cards no matter where you are. Download the app from your mobile device's app store today. 
Deerfield Beach Anniversary Celebration
Please join the Deerfield Beach
branch of JMAFCU Wednesday, February 14, from 11:30 to 1:30  in the 120 and 500 building
cafeterias as they celebrate their 28th anniversary. There will be
treats, raffles and loads of fun! 
Need Us to Float You an Auto Loan?
This February, get your dreams off the ground with an auto loan from JMAFCU. We'll put you in the driver's seat of a new (or new to you) ride, while letting you enjoy all kinds of budget-friendly benefits. At JMAFCU, saving members money is at the heart of all we do.
Features include:
  • Competitive low rates
  • Terms up to 75 months
  • Fast approval
  • Low or no money down
  • Payment options (monthly, semi-monthly, payroll deduction, automatic, etc.) 
Already have a ride you love, but feel like your budget is about to burst? Refinance your loan at JMAFCU to save cash and bring your payments back down to earth! 

It's Almost Tax Time:
Make Sure Your Identity Is Secure
Need Us to Float You an Auto Loan?

Staying Healthy During Flu Season
This time of year, everyone's got a sniffle, cough or worse - the dreaded flu bug! These viruses have evolved to be highly resistant to our efforts to contain them.

While we can't prevent the disease completely, we can help lower the risk of spreading it around. Here are five ways to beat the flu this year:

1) Wash your hands

This is the best way to keep the flu from spreading. Your hands are the most likely vectors for spreading disease. You touch something with the virus on it, then touch your eyes, nose or food; soon, you're coughing too much.

Regular hand-washing is the first line of defense. Wash your hands after using the bathroom, before meals and after contact with someone who might be ill. If your job entails lots of public contact, including handling forms, take regular hand-washing breaks. Scrub for 20 seconds with soap and warm water.

If you can't get to soap and water, use an alcohol-based hand sanitizer. Accompany the sanitizer with a moisturizer, as too much sanitizer can lead to dry, cracked skin and a greater risk of disease.

2) Practice good self-care

Your immune system needs energy to keep your body free of disease. That means getting adequate sleep and proper nutrition.

A good night's sleep is especially important for preventing the spread of infectious diseases. Eating a diet rich in vitamin C can also strengthen your immune system. Citrus is a great source, as are leafy greens.

3) DAB - destroy all bacteria

"Dabbing" involves tucking your nose into your elbow. It's the most sanitary way to cover your mouth when you sneeze or cough.

Covering your mouth with your hands doesn't do much since you're going to touch other things with your hands. Your elbow, though, doesn't see nearly as much contact.

4) Practice self-quarantine

If you're sick, stay home. If your children are sick, keep them home. No one likes missing work or school, but the alternative is even more widespread illness. Staying home will also give you time to rest and recover faster, leading to more productivity when you go back in.

Always wait 24 hours after a fever has broken before returning to work. There's nothing heroic about "toughing it out" while getting others sick.

If you can't stay home, at least take steps to prevent diseases from spreading. Avoid prolonged contact with anyone. Wash your hands, and avoid touching things other people regularly touch. Warn others that you're feeling sick so they can keep a safe distance.

5) Avoid crowds

Wherever lots of people gather, disease follows. If possible, avoid crowded public spaces this time of year.
Remember that travelers from far away may have different strains of the same bugs. Whenever people from multiple communities gather, the chances of infection increase. If you're entertaining or traveling, double down on good hygiene habits!
Valentine Dating on a Budget
Having the perfect night out doesn't mean you need to break the budget. Here are eight ideas for a thrifty Valentine's Day date:

1. Cook a romantic dinner at home instead of eating at an overpriced restaurant. Set the ambiance with some scented candles and soft music, and save a bundle!


2. Make your own gift. Instead of buying a pricey piece of jewelry, frame a nice picture of the two of you or write a meaningful card.


3. If you are going out to eat, make sure to check Groupon, LivingSocial and RetailMeNot for deals on restaurants near you before making reservations.


4. Skip the wine bottle at the restaurant and pop the cork at home instead.


5. Explore the great outdoors! It may be cold out, but you can still have fun just enjoying the fresh air. Bundle up and take a refreshing walk under the stars. Or, if it's snowing out, build a snowman! Then, go home and warm up in front of the fireplace with steaming mugs of hot chocolate.


6. Get yourself a great workout and have a fantastically fun date by going ice- or roller-skating!


7. Get cultured on a budget by taking advantage of a local museum's free or discounted rates at specific times or nights.


8. Have a rollicking good time at the neighborhood comedy club. Entrance tickets can be as inexpensive as $5 apiece!


JM  Associates Federal Credit Union