Assets: $117,270,230
Membership: 8,469
March 2017 - In This Issue:

Mobile Deposit!
Quick, Easy and Free
Simply Snap an Image to Deposit Your Checks in an Instant!
Depositing checks is now faster and simpler than ever before. Just take advantage of mobile deposit from JMAFCU and deposit checks at home or on the go! Mobile deposit is:
  • Convenient - Use your smartphone to deposit checks anytime, anywhere.
  • Easy - Tap the app, point your smartphone, snap a photo and complete the deposit.
  • Secure - Feel confident knowing mobile deposit is as safe as depositing checks at one of our branches.
  • Free - Cut down on trips to the credit union and save time and money with this free service. 
Get ready to deposit checks the incredibly quick and simple way! Download our app from the Apple® App Store or Google Play™ to get started. Questions or concerns? Call (800) 581-2256 or visit to learn more. 
Did You Know?
Did you know that Capital One® charges 13.49% to 23.49% APR* on its Venture ® variable-rate credit card?  JMAFCU's current rate is 5.5% APR* on our Visa® Platinum card.
Do you have a Capital One or similar card? Perhaps it's time to switch.
* The JMAFCU Visa Platinum rate is 1.75% APR + Prime. APR=Annual Percentage Rate.
Power in Your Pocket
Break Out Your JMAFCU
Visa Credit Card for Big-Time Savings!

You've already got the power of Visa in your pocket - now put it to good use! Transfer your high-rate debt to your low-rate JMAFCU Visa card and get out of debt sooner. Enjoy all of the perks of your credit union Visa account, including:
  • No balance transfer fee
  • No annual fee
  • 25-day grace period on purchases
  • Online access to view account activity and manage your credit card account 
So harness the power of your JMAFCU Visa today! To transfer your debt, stop by a branch, call toll-free (800) 581-2256 or visit

We Care About Your Security
Mandatory SAFE IB Password Change
Effective March 22, 2017, SAFE IB will require a safer, stronger password. The new password requirements are eight characters long using numbers and letters (case sensitive). If your password does not meet these requirements, you will be prompted to change your password before you are allowed access. Below are five tips for password strength:
  • Keep it long, at least eight characters.
  • Use a combination of numbers and upper and lowercase letters.
  • Avoid using exact words such as those found in the dictionary.
  • Avoid names, or other words associated with you.
  • Use different passwords for different sites.
After March 21, 2017, when you log in to SAFE IB, if your password already meets these requirements, you will not be asked to change it. While your SAFE Mobile password is the same as your SAFE IB password, you will not be required to change your password on SAFE Mobile; it will automatically change when you update your SAFE IB password.

A strong password helps protect your confidential information. While your account is not at risk, it's a good idea to make sure your password is strong to help maintain security of your financial account information. Thank you for helping us to protect you.

In addition to the new password requirements, SAFE IB will also have a fresh new look. The same great service with added protection and a fresh new look. Let us know what you think! We appreciate your feedback. 

Article 2
New, Used, Refinance
All Signs Lead to JM Associates FCU
Has your vehicle seen better days? JMAFCU offers great low rates on new and used vehicles. We also offer exceptional refinancing options for our members.
Benefit from:
  • Rates as low as 1.80% APR*
  • Up to 100% financing
  • Terms up to 75 months
  • Pre-approval before you visit the dealer
  • Down payment may not be required
  • Flexible payment options 
Don't just dream about a new car, own it! Call, click or stop by today to learn more.

*APR=Annual Percentage Rate. Members may acquire vehicle loans with payment periods of up to 75 months and financing up to 100%. Limits may apply to financed amounts. Used vehicles financed up to 60-month terms. Payments may be established as monthly, semi-monthly, bi-weekly or weekly. You may pay by check, an automatic deduction from your account, direct deposit, payroll deduction or transfer.
Article 3
Beware of the Fake Tax Form Scam
Tax season means a paperwork blizzard. Often, someone loses a copy of an important document and needs it to be re-issued. Naturally, everyone's too busy to verify the authenticity of each request.  That's what scammers are counting on with a recent ploy targeting people who prepare tax forms. In this scheme, the scammer sends an email claiming to be a hired company or someone from the IRS requiring duplicate copies of W-2s. An overworked clerk fears noncompliance with the tax authority and sends the forms.
Those forms contain personally identifiable information, including a name, address and Social Security number. With that information, fraudsters can open fake credit cards, apply for loans or file a fraudulent tax return in an attempt to grab a refund check.
If You're Targeted
If you prepare W-2s, be on guard for these fake emails. Here's the sample text from one such message:
"ATTN: Due to some complains we had concerning the W-2 mismatch, We advice you to send your 2015 filled W-2 form in (PDF) format for confirmation."
Notice the abbreviations, the typographical errors and the poor punctuation. These should tell you this isn't the professional work of the IRS.
You may also get a similar message that appears to be from your boss. Watch for the same typos and always confirm these requests in another message. Also, look out for emails from former employees. Scammers may be relying on outdated information.
If someone really needs another copy, it's safest to mail it to them. Email is never fully secure. It's also unlikely that someone would need duplicate copies of ALL W-2s. Be suspicious of any such request.
If Your Information Has Been Compromised
If your information has been unwittingly released by your employer, don't panic. Minimize the impact of this data breach with these three steps:
First, call one of the major credit bureaus, Experian, Equifax or TransUnion, to request a fraud alert on your account. This will force anyone who wants to issue credit in your name to verify their identity.
Next, order a copy of your credit report to see all the accounts open in your name. If there's anything you don't recognize, immediately close the account. Also, review statements for the accounts you have. If you see any charges you don't recognize, call the issuing institution and shut the account. Alerting them about fraud as soon as possible limits your liability.
Third, file a complaint with the Federal Trade Commission (FTC) at This will create a fraud affidavit, a document certifying that fraud occurred. This will help when you need to file a police report.
It's worth filing your taxes early. If a thief tries to file a tax return using your information after you've already done so, the IRS will be alerted to the fraud.

Sprint Member Benefits
Get a $100 Cash Reward for Every New Line 
This new exclusive cash rewards offer is our best one EVER! Now,
as a credit union member, you can earn $100 for every line when
you switch to Sprint®.
Here's how it works:
  • Members get a $100 cash reward for every new line when you switch to Sprint.
  • Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards.
  • Plus, get a $50 loyalty cash reward every year for every line. 
Here's how to sign up for Sprint cash rewards:
  1. Become a Sprint customer.
  2. Register at or in the Love My Credit Union Rewards® app.
  3. Allow up to six to eight weeks to see cash rewards directly deposited into your credit union account!
Make the switch today and save with Sprint Credit Union Member Cash Rewards!

We're Here to Help with the Important Things:
Choose the Loan That's Right for You!


  • Personal Loans as low as 8.75% APR*
  • Auto Loans as low as 1.80% APR*
  • Toy Loans as low as 6.00% APR*
At JM Associates FCU, we know our members need financing for a variety of reasons - a reliable vehicle to get to work, a vacation that's long overdue, a boat for weekend fun.
When you choose your local credit union for your lending needs, you benefit from honest service, incredibly low rates and flexible terms to help you get what's most important to you and your family. If you have an existing loan with another lender, talk to us about refinancing to a better rate to save on monthly payments.
We're here to help you with the important things!
Applying for a loan is quick and easy:
  • Online at 
  • In person at any branch
  • Over the phone at 800-581-2256
Not ready to apply just yet? Get pre-approved for a loan by calling  800-581-2256 . You'll be prepared, and it makes applying even easier.

Article 6
Capital Mortgage Funding
One-on-one meetings with John Teweles of Capital Mortgage Funding, JMAFCU's mortgage partner, are being scheduled at the Deerfield Beach branch of JMAFCU on   Thursday, March 23, and Friday, March 24. Get answers to your questions about refinancing, purchasing or obtaining pre-approval on a single-family home, condo, rental property or second home. John can be reached at 855-438-6845. 

Contact Paola Correa-Movil at 
954-420-4674 to schedule your session. 
Managing Sudden Wealth
An inheritance. A lump-sum retirement distribution. Proceeds from the sale of a business. An insurance settlement. If you receive a large amount of money someday, you'll want to develop a plan for managing your windfall wisely.

Take a Little Time
Resist the temptation to go on a major spending spree. If you splurge on lots of expensive items, you may exhaust a large portion of the funds and be not much better off than you were before. Even more important, if you spend the money, you may be unable to accomplish other, longer term goals. Don't act too quickly. Consider the consequences before making any major decisions about your new wealth.

Treat Yourself
That said, you may want to spend a portion of your newfound wealth on a special purchase or personal treat. However, consider limiting your "splurge" to a small percentage of your windfall and using the remaining funds to achieve your more important goals.

Find Short-Term Parking
Consider depositing your lump sum in a money market account, certificate of deposit or other short-term investment while you devise a sound, long-term strategy. As part of your planning, you'll want to determine whether your windfall has any immediate tax impact. For example, if you receive a distribution from an employer-sponsored retirement plan, you may be able to roll over the distribution into an individual retirement account (IRA) and avoid current income taxes on the distribution. You also should address longer term tax planning issues.

Prioritize Your Goals
Your personal circumstances should dictate your spending and investing moves. Are you looking to buy a new home, pay off debt, build up your retirement nest egg or save for college expenses? If you carry credit card or other high-interest debt, you may want to pay it off first. Paying down a loan is essentially the same as earning a rate of return equal to the interest rate on the loan.

Review Your Estate Plan
Now may be a good time to review your will and estate plan. As a result of your new wealth, you may want to set up a trust and/or develop a gift-giving strategy. Appropriate planning techniques can help you control estate taxes and pass your wealth to your loved ones or other desired beneficiaries.

We Can Help
If you receive a large sum of money, we can review your tax and financial situation with you and help you develop a plan for meeting your goals. We'll work with you to minimize taxes and maximize the benefits of your wealth. 

Please contact Members Trust Company Trust Officer Tamara Kidd at 813-631-9191, ext. 717. 

JM  Associates Federal Credit Union