Assets: $117,674,453
Membership: 8,051
October 2018 - In This Issue:
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Could We Get in Touch With You in Case of an Emergency?
Your child's school has your contact information and
so does your employer , but does your financial institution? One of the best ways to keep your accounts secure is to ensure that JMAFCU has your current contact information. We can't alert you with important updates if we can't reach you.

If you've filed a Change of Address form with the U.S. Postal Service or have a forwarding order in place, it will not apply to mail sent to you by JMAFCU. For security purposes, this mail is returned to us pending you notifying us directly of your change of address.

Make sure we have your current phone number, mailing address and email address on file. Contact us at 800-581-2256.

Note: JMFE associates, if you have updated your information in AIM, keep in  mind that it's a separate system  and we do not share information. Notify your JMAFCU branch of any changes to your personal information.


Meet Our Team:
Tiffany Curtis


My name is Tiffany Curtis. I have been an associate in the St. Louis branch of JMAFCU since November 2014. I originally obtained my banking experience while working for Bank of America for three years. In my free time, I enjoy playing all outdoor sports, especially soccer, as well as spending time with my family and friends. I am currently working towards a bachelor's degree in finance, and I have utilized JMAFCU's great loan rates for an educational loan to assist with my tuition costs.

Working for JMAFCU as a Member Service Representative has allowed me to develop a tremendous amount of financial knowledge to assist members with various aspects of their financial lives. What I enjoy the most about working for JMAFCU is the satisfaction I get from building relationships with our members and being able to assist them with their financial needs. Here at JMAFCU, our goal is to partner with our members to help them achieve the financial success they desire. Stop by the St. Louis office; I will be waiting to meet you with great service and a smile!

International Credit Union Day  
October 18, 2018, will mark the 70th anniversary of International Credit Union Day┬«. This year's theme is "Find Your Platinum Lining." It combines the traditional gift of platinum for 70th anniversaries with a play on the saying, "Every cloud has a silver lining."  Credit unions all over the world will be celebrating the history and the success of the "People-Not-Profit" philosophy. This year's theme emphasizes the credit union movement's loyalty to its  members and its mission to provide them financial support and guidance.

The movement began in the 1840s as a democratic consumer cooperative  by weavers in Rochdale, England. Frustrated by bankers who denied them loans simply because they weren't wealthy, the weavers and workers decided to pool their incomes and loan money to each other. In time, this cooperation put each member on solid financial ground and encouraged their own businesses to flourish.

The need for equitable financial institutions grew, and in 1971, the World Council of Credit Unions, Inc. (WOCCU) was created to help establish and maintain viable credit union movements. It has become the leading voice for advocacy and governance on behalf of the international credit union community.

Today, over 235 million people are served by credit unions in 109 countries and six continents.

Join us at any of our branches on October 18 to celebrate ICU Day as well as JMAFCU's 38th anniversary. There will be giveaways and treats! We look forward to seeing you!
Money-Saving Tips for Fall  
As the summer comes to an end and back-to-school shopping has got you strapped for cash, JMAFCU has a few ideas for how you can save money this fall.
 
Halloween Costumes
Work together with other families that have children around the same age as yours and trade costumes. You can easily save $20 or more per child by borrowing a costume your neighbor's child wore last year. Or how about altering last year's Tinker Bell into this year's ballerina?
 
Stock Up for Next Summer
Summer items go on sale in early fall. Shop for summer clothes, grills, lawn mowers and similar summer merchandise you'll need next year. If you're planning a wedding for next summer, fall is a great time to start stocking up on things you'll need - even your wedding and bridesmaid dresses - as summer styles go on sale.
 
Grocery Shopping
The best time to buy fruits and vegetables is when they're in season. In the fall, get good deals on apples, cranberries, oranges, tangerines, honeydew melons, broccoli, Brussels sprouts, cauliflower, mushrooms and spinach.
 
Electric Bill
Usually your electric bill will be lower during the fall, but take it a few steps further and turn your thermostat up/down so it doesn't run as much. Enjoy the outside air and open a window.
 
Recreational Activities
Take advantage of the local festivals in your area that are usually free or inexpensive. Spend some time outside and go for a hike, have a picnic, or visit a pumpkin patch or apple orchard.
 
Sources:

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Does Fall Have You Falling For a Shiny New Ride?
Drive home your dream machine with an auto loan from JMAFCU! We'll go the extra mile to make you smile by offering affordable financing that's as stress-free as can be.
 
Benefits include:
  • Convenient payment options
  • Flexible terms
  • Generous loan amounts

So don't wait - act now to make that new ride a reality. Simply apply today (online, anytime!) at www.jmafcu.org.



Kick Off Your Game-Day Savings
Looking to be a more frugal football fan - without sacrificing a trip to the stadium? Here are four ways to score big savings during your game-day experience:
 
Carpool
Parking prices are no joke, so consider carpooling if possible to help split up the fee. Or, if you don't mind walking (and know the area is safe), park a few blocks or miles away and head to the stadium on foot. You may also want to research public transit options and price those out to pinpoint any possible savings.
 
Skip the Concessions
Stadiums are notorious for charging astronomical food and beverage prices. And to make things even more challenging, there are often rules about what food and drink items you are allowed to bring into the stadium yourself. Try to plan ahead and eat a meal or snack before entering the stadium so you won't have to splurge on overpriced items during the game.
 
Settle for the Nosebleed Seats
Sure, this may not be the best option if you're hoping to be close to the action so you can witness intricate game plays. But if you're going to the game primarily for social reasons, settling for lower-priced, higher-up seats is a great way to get the game-day experience without blowing your entire budget on just the ticket alone.
 
Rein In Your Tailgating Expenses
There's no doubt about it - some people really know how to spend money when tailgating. (Tricked-out RV? With satellite TV? And a restaurant-worthy food and beverage display? If you can dream it, some football fan somewhere has probably done it.) But you can have just as much fun with only a few food and drink options and a football to toss around with your friends. Plus, the cleanup will be a whole lot simpler - and, of course, you'll save loads of cash.
 
Tailgating? JMAFCU can help with that, too! Get approved for a JMAFCU Home Equity Line of Credit and get a free Tailgating Bundle that includes a portable BBQ grill, an eight-piece BBQ toolkit and a cooler.

Get Trusted Protection and True Savings With the
TruStage Auto & Home Insurance Program
TruStage® products and programs are made available to credit union members through TruStage Insurance Agency. Affiliates of TruStage have been providing insurance and financial services designed for credit unions and members for more than 80 years, serving more than 16 million credit union members.
 
See how much you could save with the TruStage Auto & Home Insurance Program.
Visit LoveMyCreditUnion.org/TruStage for your FREE, no-obligation quote.
 
TruStage Auto & Home Insurance Program is made available by TruStage Insurance Agency, LLC and issued by leading insurance companies, including Liberty Mutual Insurance Company and affiliates, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states, and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit and is not federally insured, sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency, LLC. 

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JM  Associates Federal Credit Union
800-581-2256