Rates



Share Rates

Share Rates Dividend Rate APY*
Savings** 0.35% 0.35%
Checking 0.00% 0.00%
Super Savings*** 0.45% 0.45%
Christmas Club 0.35% 0.35%
Stow-Away 0.35% 0.35%
IRAs 0.80% 0.80%

Rates effective as of 04/01/2019

*APY = Annual Percentage Yield
**Must maintain a minimum average daily balance of $100 to earn dividends.
***Must maintain a minimum average daily balance of $2,500 to earn dividends. · 
Rates on variable rate accounts(i.e. Share Savings, Checking, and Super Savings) could change after account opening.

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Term Share Certificate & IRA Rates

  Minimum $1,000

Certificate Dividend Rate APY*
6 Months 0.75% 0.75%
12 Months 1.45% 1.46%
18 Months 1.45% 1.46%
24 Months 1.55% 1.56%
30 Months 1.60% 1.61%
36 Months 1.70% 1.71%
60 Months 2.25% 2.26%

Rates effective as of 04/01/19.


  Minimum $50,000

Certificate Dividend Rate APY*
6 Months 0.80% 0.80%
12 Months 1.50% 1.51%
18 Months 1.50% 1.51%
24 Months 1.60% 1.61%
30 Months 1.65% 1.66%
36 Months 1.75% 1.76%
60 Months 2.30% 2.31%

Rates effective as of 04/01/19.

* Annual Percentage Yield
Penalties for early withdrawal on term share accounts.

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Loan Rates

Loans Interest Rate APR Term Monthly payment per $1,000 Borrowed Maximum Term
Overdraft Line of Credit 14.00% 14.00%
Second Mortgages (primary residence only) 6.75% 6.75% 120 Mos.  
Second Mortgages (primary residence only) 7.75% 7.75% 180 Mos.  
Home Equity Line of Credit (variable Prime + 0.00% (Up to 85% of appraised value)
Minimum floor rate is 4.50%
No closing costs with $10,000 minimum loan amount
HELOC is only available on property located in Florida, Georgia, Alabama, South Carolina, North Carolina or Missouri
5.50% 5.50% 120 Mos. $10.86
Preferred Line of Credit (open end) $5,000 minimum - Prime + 2% (minimum 8% - maximum 18% APR)** 8.00% 8.00% 48 mos. $25.00
Share Secured*** 2.35% 2.35% up to 60 Mos.  
VISA Classic Credit Card 14.88% 14.88%
VISA Gold Rewards Credit Card (The JMAFCU Visa Gold rate is 5.50% + Prime*) 11.00% 11.00%
VISA Platinum Rewards Credit Card (The JMAFCU Visa Platinum rate is 2.50% + Prime*) 8.00% 8.00%
Helping Hands   16.99% 12 Mos. $91.14

Rates are effective as of 05/21/19.


Personal Loans Credit Rating APR Term Monthly payment per $1,000 Borrowed Maximum Term
  A  8.75% Up to 60 Mos. $20.64
  B 9.75% Up to 60 Mos. $21.12
  C 12.75% Up to 60 Mos. $22.63
  D 13.75% Up to 60 Mos. $23.14
  E 14.75% Up to 60 Mos. $23.66
  F 15.75% Up to 60 Mos. $24.19
Education Loan Credit Rating APR Term Monthly payment per $1,000 Borrowed Maximum Term
  A  8.75% Up to 60 Mos. $20.64
  B 9.75% Up to 60 Mos. $21.12
  C 12.75% Up to 60 Mos. $22.63
  D 13.75% Up to 60 Mos. $23.14
  E 14.75% Up to 60 Mos. $23.66
  F 15.75% Up to 60 Mos. $24.19

*CREDIT CARDS: REWARDS Credit Card Variable Annual Percentage Rate (APR) is tied to The Wall Street Journal Prime Rate. Annual percentage rate, terms and fees on all credit cards are subject to change. Loans subject to credit approval. Certain restrictions apply. Credit lines start at $1,000 on Visa® Classic; $5,000 on Visa® Gold Rewards; and $10,000 on Visa® Platinum Rewards. Subject to terms and conditions. See Visa® Credit Card Agreement for additional information.

**For Preferred Line of Credit loans. Variable Annual Percentage Rate (APR) is tied to The Wall Street Journal Prime Rate plus 2.00%. The variable APR is determined and adjusted quarterly (on the first business day) by adding 2.00% to the Prime Rate published in The Wall Street Journal on the last business day of the previous month. The APR will be The Wall Street Journal Prime Rate plus 2.00%. Minimum payments due will be based on a percentage of the outstanding principal balance at the end of the billing cycle. The minimum monthly payment will equal 2.50% of the outstanding principal balance of your loan at the end of the monthly billing cycle or $25, whichever is greater. *Minimum Floor: The minimum APR that can apply during the Preferred Line of Credit Plan is 8.00%.

***SHARE SECURED: The Annual Percentage Rate (APR) for share secured advances will be 2% above the current dividend rate being paid on the primary savings account which may vary.

***CERTIFICATE SECURED: The Annual Percentage Rate (APR) will be the dividend rate being paid on the certificate offered as security plus 2%. The certificate must be renewed until the advance is completely paid. Failure to renew the certificate will result in default under the Plan. When the certificate is renewed the APR will change to reflect the new dividend rate. Any increase In the APR will result in more payments of the same amount until what you owe has been repaid. IRA Certificates are not eligible to be pledged as collateral for a loan. All loans subject to credit approval. Certain restrictions apply. Product offers, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our web site which may be beyond our control, JM Associates FCU cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you on our calculators is estimated and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate. To verify current offers and rates, please call 800-581-2256 or.

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Auto Rates

  New Cars & Trucks rates as low as:

Credit Rating APR-A* APR-B* APR-C* APR-D* APR-E* APR-F*
36 Months 2.39% 2.39% 5.39% 6.39% 7.39% 8.39%
48 Months 2.94% 2.94% 5.94% 6.94% 7.94% 8.94%
60 Months 3.29% 3.29% 6.29% 7.29% 8.29% 9.29%
66 Months 3.59% 3.59% 6.59% 7.59% 8.59% 9.59%
75 Months 3.80% 3.80% 6.80% 7.80% 8.80% 9.80%

  Used Cars & Trucks 2013-2019 rates as low as:

Credit Rating APR-A* APR-B* APR-C* APR-D* APR-E* APR-F*
36 Months 2.39% 2.39% 5.39% 6.39% 7.39% 8.39%
48 Months 3.39% 3.39% 6.39% 7.39% 8.39% 9.39%
60 Months 3.49% 3.49% 6.49% 7.49% 8.49% 9.49%
72 Months 4.10% 4.10% 7.10% 8.10% 9.10% 10.10%

Rates come into effect on Monday 1/7/19.

*Loan Rate based on credit worthiness. Members may acquire vehicle loans with payment periods of up to 72 months and financing up to 100% of the purchase. 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. Add this section above the ** verbiage about the Preferred Line of Credit section *CREDIT CARDS: REWARDS Credit Card Variable Annual Percentage Rate (APR) is tied to The Wall Street Journal Prime Rate. Annual percentage rate, terms and fees on all credit cards are subject to change. Loans subject to credit approval. Certain restrictions apply. Credit lines start at $1,000 on Visa® Classic; $5,000 on Visa® Gold Rewards; and $10,000 on Visa® Platinum Rewards. Subject to terms and conditions. See Visa® Credit Card Agreement for additional information.


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Other Secured Loans

Boats – New & Used Credit Rating Rate Term
  A 6.00% 72 Mos.
  B 6.75% 72 Mos.
  C 9.75% 72 Mos.
  D 10.75% 72 Mos.
  E 11.75% 72 Mos.
  F 12.75% 72 Mos.
Motorcycle - New Credit Rating Rate Term
  A 5.50% 60 Mos.
  B 6.25% 60 Mos.
  C 9.25% 60 Mos.
  D 10.25% 60 Mos.
  E 11.25% 60 Mos.
  F 12.25% 60 Mos.
Motorcycle - Used Credit Rating Rate Term
  A 6.00% 60 Mos.
  B 6.75% 60 Mos.
  C 9.75% 60 Mos.
  D 10.75% 60 Mos.
  E 11.75% 60 Mos.
  F 12.75% 72 Mos.
Other (RV, Older Vehicles, ATV, etc.) Credit Rating Rate Term
  A 6.00% 60 Mos.
  B 6.75% 60 Mos.
  C 9.75% 60 Mos.
  D 10.75% 60 Mos.
  E 11.75% 60 Mos.
  F 12.75% 60 Mos.

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