Assets: $119,415,571
Membership: 8,056
September 2018 - In This Issue:

Members Beware:
Vishing on the Rise
Credit union members around the country are being targeted in a
vishing (phone-based phishing) scam in which fraudsters spoof phone numbers, making the calls appear to originate from the credit union.

The members are duped into providing CVV2/CVC2 codes and expiration dates for their debit cards. The fraudsters, already possessing the counterfeit magnetic stripe debit cards, use the information to change the PINs through voice response units. Then, they use the counterfeit cards to make ATM withdrawals, as well as purchases
at Walmart stores in Florida and Georgia. Credit unions in Indiana, Kentucky, Ohio and Virginia have been impacted by the scam.
Please note, your credit union, JMAFCU, will never call and ask for your CVV2/CVC2 codes for your JMAFCU Visa ® credit or debit cards.
Meet Our Team

Philip Jefferson has served as a Member Service Representative in the Westlake branch of JMAFCU since April 2017. Prior to becoming an associate, Philip gained his first financial institution experience working as a teller for Wells Fargo Bank. According to Philip, "Transitioning to JMAFCU has been one of the greatest decisions I have ever made." 

Philip enjoys watching and playing sports, particularly basketball. He recently took advantage of the Associate Purchase Program by getting a snazzy new 4Runner, which he financed with his credit union, JMAFCU, because of our great loan rates.

Whenever you're in Jacksonville, stop by the Westlake branch and meet Philip. He's ready to assist you.
Christmas Club
Christmas is only three months away! Have you started your JMAFCU Christmas Club yet? The holiday season will be here before we know it. Even a small amount each pay period would help add to your gift purchasing power. Adding a Christmas Club to your membership is easy. Call your local JMAFCU branch today!

Q:  I'm worried about hurricane season. How can I protect my family and home from storm damage?
A:  As a homeowner, a hurricane can prove to be your biggest nightmare. Storm damages caused by flooding, strong winds and airborne projectiles can cost thousands to fix. Of course, there are steps you can take to protect your property, but where do you begin? It's all so overwhelming!
No worries,  JMAFCU  can help! We'll walk you through keeping yourself, your loved ones, your home and your property safe when the wild storms blow in!

1. Check your insurance coverage.
Your first step is a review of your homeowner's insurance policy. If it seems insufficient, now is a good time to consider upgrading to a plan that will provide more extensive coverage.

2. Protect your property against flooding.
Spend an afternoon cleaning your gutters and downspouts to ensure they're in optimal working order. During the next rainfall, do a quick scout of your external drains and pipes, checking that they're working effectively and that there are no areas where water gathers. If you spot a problem, take note of what needs to be fixed and tackle the job as quickly as you can after the rain.

3. Inspect your property's structure.
Ensure there are no structural issues on your property that can be worsened by a hurricane. Shaky roofs, loose shingles and weakened external walls can all give storm winds entry to your home, where they can do substantial damage. Check your windows, too, sealing up leaks and making sure the latches
are secure.

4. Review your evacuation route.
Prepare your evacuation route in advance and make plans for where you'd stay in case of a storm.

5. Stock up!
To ease your pre-storm prep, get your stock ready now. Designate an area in your home for storm supplies and keep it stocked with bottled water, flashlights, extra batteries, a first-aid kit and non-perishable food items. You  might also want to purchase a crank-powered, solar-powered or battery-operated radio in case of a power outage.

6. Take last-minute precautions.
Here are some last-minute measures you can take in the days before a storm hits your area:
  • Secure a tarp over external air conditioning units to prevent damage by airborne projectiles.
  • Walk through your property, removing any scattered debris and loose-hanging branches.
  • Patch any visible foundation cracks around your home.
  • If your home has a sump pump, clear any debris and check that it's operating properly.
  • Double-check to ensure your gutters are completely cleared.
  • Consider sealing and boarding your windows and doors.
7. Get your documents in order.
Last, but not least, make sure you have all of your financial documents in order. Make sure your credit union has updated contact information, including current email and phone numbers. Also check to ensure that your beneficiary information is correct.
Here at  JMAFCU,  we want to help. Call, click or stop by today to ask about our fantastic rates on loans for flood-related expenses. We'll help you stay safe and dry this hurricane season!


Score more this season at JMAFCU! When you take out a home equity line of credit, we'll take your tailgating to the next level with a FREE BBQ bundle. *
Plus, we'll give you access to the funds you need to tackle home improvements, intercept debts or kick off other projects. Hurry and apply today before the clock runs out!

*No closing costs with $10,000 minimum loan amount, $5,000 initial advance and the balance maintained for the first year.  Owner-occupied residences in FL, GA, AL, SC and MO.  Terms and conditions based on creditworthiness and property value. Certain restrictions may apply. No alcoholic beverages provided. Offer good while supplies last. 

BJ's Wholesale Club Is Offering 
Discounted Memberships 
to JMAFCU Members

BJ's Wholesale Club is once again offering discounted memberships to JMAFCU members.
Each JMAFCU member who joins or renews will have the option of choosing one of two exclusive BJ's membership offers.
Inner Circle ® Membership:
Just $40* for 13 months of membership. That's a savings of $15 off the $55 annual membership fee -
plus one bonus month FREE! Plus, the primary member receives a second card for a HOUSEHOLD member
at no additional charge.
BJ's Perks Rewards ® Membership:
Earn 2% payback on most purchases - just $80 for 13 months of membership. That's a savings of $30
off the $110 annual membership fee - plus one bonus month FREE! Plus, the primary member receives
a second card for a HOUSEHOLD member at no additional charge.
BJ's is also running a "new sign-up" promotion -  $25 for 12 months  for new members.
To join or renew, please complete the BJ's/JM Associates Federal Credit Union membership application. Send it to Crystal
Brielle, JMAFCU, 111 Jim Moran Blvd., Deerfield Beach, FL 33442, by September 24, 2018. No applications can be accepted after September 24.
Your payment should be submitted with the application. Visa®, Mastercard®, American Express® and Discover/Novus® are accepted. Or, make your check payable to BJ's Wholesale Club. No cash payments.
Make sure to include a correct email address. Within a week, you will receive an activation letter from BJ's via email. Take the activation letter to the membership desk at the nearest BJ's to get your new membership card.
If you are renewing your existing BJ's membership card, please include your current membership number at the top of the application in the space provided. You will not receive a new membership card. The expiration date on your current membership will be extended. 
Note: You cannot get this offer online or at any BJ's location. Offer expires September 24, 2018. Available only to members

BJ's Wholesale Club has 210+ locations in 16 states:  Connecticut | Delaware | Florida | Georgia | Maine | Maryland | Massachusetts 
New Hampshire
| New Jersey | New York | North Carolina | South Carolina | Ohio | Pennsylvania | Rhode Island | Virginia

Be Secure!
Member Security Center

As we head back to school and slowly ease into fall, it is important to protect your identity and minimize the risk of your personal information being captured and used. As a JMAFCU member, you have access to the Member Security Center, which offers various levels of protection at very affordable prices. 

For more information or to enroll in this service, please visit our website at and click the Member Security Center banner.

JM  Associates Federal Credit Union