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 accurate as of 02/01/18

*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 0.45% 0.45%
12 Months 0.80% 0.80%
18 Months 0.90% 0.90%
24 Months 1.05% 1.05%
30 Months 1.15% 1.16%
36 Months 1.20% 1.21%
60 Months 1.80% 1.81%


  Minimum $50,000

Certificate Dividend Rate APY*
6 Months 0.50% 0.50%
12 Months 0.85% 0.85%
18 Months 0.95% 0.95%
24 Months 1.10% 1.11%
30 Months 1.20% 1.21%
36 Months 1.25% 1.26%
60 Months 1.85% 1.86%

Rates are accruate as of 02/01/2018

* 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
4.50% 4.50% 120 Mos. $10.36
Preferred Line of Credit (open end) $5,000 minimum - Prime + 2% (minimum 8% - maximum 18% APR)** 8.00% 8.00% 48 mos. $12.21
Share Secured*** 2.35% 2.35% up to 60 Mos.  
VISA Classic Credit Card 14.88% 14.88%
VISA Gold Credit Card (The JMAFCU Visa Gold rate is 5.50% + Prime*) 9.750% 9.750%
VISA Platinum Credit Card (The JMAFCU Visa Platinum rate is 1.75% + Prime*) 6.00% 6.00%
Helping Hands   16.99% 12 Mos. $91.24

Rates declared as of 01/01/2018


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. $23.24
  E 14.75% Up to 60 Mos. $23.66
Education Loan Credit Rating APR Term Monthly payment per $1,000 Borrowed Maximum Term
  A  8.75% Up to 60 Mos. $20.61
  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. $23.24
  E 14.75% Up to 60 Mos. $23.66

**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.

CREDIT CARD RATES: Annual percentage rate, terms and fees on 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; and $10,000 on Platinum Visa®. 25-day grace period for repayment; balance for purchases computed on an average daily balance; no annual or inactivity fee; no minimum finance charge or transaction fee for purchases, cash advances or balance transfers; $20 late-payment fee on every payment 10 days or more late; $15 returned payment fee. Subject to terms and conditions.

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 904-378-4588.

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Auto Rates

  New Cars & Trucks rates as low as:

Credit Rating AAPR* BAPR* CAPR* DAPR* EAPR*
36 Months 1.90% 1.90% 4.90% 5.90% 6.90%
48 Months 1.99% 1.99% 4.99% 5.99% 6.99%
60 Months 2.09% 2.09% 5.09% 6.09% 7.09%
66 Months 2.59% 2.59% 5.59% 6.59% 7.59%
75 Months 3.05% 3.05% 6.05% 7.05% 8.05%

  Used Cars & Trucks 2012-2018 rates as low as:

Credit Rating AAPR* BAPR* CAPR* DAPR* EAPR*
36 Months 2.09% 2.09% 5.09% 6.09% 7.09%
48 Months 2.79% 2.79% 5.79% 6.79% 7.79%
60 Months 2.79% 2.79% 5.79% 6.79% 7.79%
72 Months 3.35% 3.35% 6.35% 7.35% 8.35%

*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.


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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.
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.
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.
  D 11.75% 60 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.
  D 11.75% 60 Mos.

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