--- title: "JM Associates Credit Union Rates - Florida" description: "Current auto loan, heloc, personal loan, student loan, and credit card rates from JM Associates Credit Union in Florida. Updated daily with source verification. See who can join JM Associates Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/jm-associates" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # JM Associates Credit Union Rates - Florida ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **New Cars & Trucks rates: (60 Months)** auto_new_60mo | — APR | 4.990% | 60 mo · new | Standard | | **New Cars & Trucks rates: (66 Months)** auto_new_66mo | — APR | 5.050% | 66 mo · new | Standard | | **Used Cars & Trucks 2020-2026 rates: (60 Months)** auto_used_60mo | — APR | 5.240% | 60 mo · used | Standard | | **New Cars & Trucks rates: (75 Months)** auto_new_75mo | — APR | 5.490% | 75 mo · new | Standard | | **Used Cars & Trucks 2020-2026 rates: (72 Months)** auto_used_72mo | — APR | 5.740% | 72 mo · used | Standard | | **New Cars & Trucks rates: (84 Months* (Minimum $35,000))** auto_new_84mo | — APR | 6.240% | 84 mo · new | Standard | JM Associates Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Second Mortgages (primary residence only)** heloc_fixed | — APR | 9.000% | — | Standard | JM Associates Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 10 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Share-Secured Loan** personal_secured_60mo | — APR | 2.550% | 60 mo | Standard | | **Other Secured Loans (up to 60 Mos.)** personal_secured_60mo | — APR | 6.240% | 60 mo | Standard | | **Other Secured Loans (up to 180 Mos.)** personal_secured_180mo | — APR | 6.740% | 180 mo | Standard | | **Other Secured Loans (up to 72 Mos.)** personal_secured_72mo | — APR | 6.990% | 72 mo | Standard | | **Preferred Line of Credit (open end) $5,000 minimum - Prime + 2% (minimum 6% - maximum 18% APR)**** ploc_variable | — APR | 9.000% | 48 mo | Standard | | **Personal Loan (60 Months (Up to $15,000))** personal_unsecured_60mo | — APR | 9.990% | 60 mo | Standard | | **Personal Loan (72 Months ($15,000 -$25,000))** personal_unsecured_72mo | — APR | 10.990% | 72 mo | Standard | | **Personal Loan (84 Months ($25,000 or more))** personal_unsecured_84mo | — APR | 11.990% | 84 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 14.000% | — | Standard | | **Helping Hands** personal_unsecured_12mo | — APR | 16.990% | 12 mo | Standard | JM Associates Credit Union personal loan rates as of November 12, 2026 ### Student loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Education Loan (60 Months (Up to $15,000))** student | — APR | 9.990% | — | Standard | JM Associates Credit Union student loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **VISA Signature Credit Card* (The JMAFCU Visa Signature rate is 2.50% + Prime*)** credit_card_platinum | — APR | 9.500% | — | Standard | | **VISA Gold Rewards Credit Card (The JMAFCU Visa Gold rate is 5.50% + Prime*)** credit_card_rewards | — APR | 12.500% | — | Standard | | **VISA Classic Credit Card** credit_card | — APR | 14.880% | — | Standard | JM Associates Credit Union credit card rates as of November 12, 2026 JM Associates Credit Union is a credit union in Florida. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/jm-associates) , verified from [JM Associates Credit Union's official website](https://jmafcu.org/) Loading branch locator… ## About JM Associates Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 8.8K Assets $152.6M Founded 1980 Locations reported 5 NCUA charter 23709 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Farmers** FARMERS FEDERAL CREDIT UNION · JACKSONVILLE · FL · 32218 About 3.5 miles away](https://rateapi.dev/credit-unions/florida/farmers) [**Metro North** Farmers FCU · Jacksonville · FL · 32218 About 3.5 miles away](https://rateapi.dev/credit-unions/florida/metro-north) [**Community First Credit Union of Flo** Lem Turner · Jacksonville · FL · 32218-3029 About 6.8 miles away](https://rateapi.dev/credit-unions/florida/community-first-credit-union-of-flo) [**Alive** Northside · Jacksonville · FL · 32218 About 7.8 miles away](https://rateapi.dev/credit-unions/florida/alive) [**Vystar** 114-Northside · Jacksonville · FL · 32218 About 8.4 miles away](https://rateapi.dev/credit-unions/florida/vystar) [**Radifi** Northside Branch · Jacksonville · FL · 32218-6347 About 8.6 miles away](https://rateapi.dev/credit-unions/florida/radifi) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join JM Associates Credit Union Membership eligibility from JM Associates Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on JM Associates Credit Union's website. Check the membership page below to confirm whether you qualify. **Cost to join:** About $10 (a $5 membership fee plus a $5 minimum deposit). Verified from [JM Associates Credit Union's membership page](https://apps-jmassociates.ns3web.com/NSJoin) . Final membership determination is always made by the credit union. ## Work at JM Associates Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where JM Associates Credit Union ranks against Florida peers. - See which AI assistants fetched JM Associates Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=jm-associates&state=florida&code=FL&name=JM%20Associates%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does JM Associates Credit Union offer? JM Associates Credit Union currently offers Auto loan, HELOC, personal loan, student loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are JM Associates Credit Union rates updated? RateAPI verifies JM Associates Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get JM Associates Credit Union's rate data? Rate data is collected directly from JM Associates Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join JM Associates Credit Union? JM Associates Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare JM Associates Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida auto loan rate leaders](https://rateapi.dev/auto-loan-rates/florida) [Florida HELOC rate leaders](https://rateapi.dev/heloc-rates/florida) [Florida personal loan leaders](https://rateapi.dev/personal-loan-rates/florida) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://jmafcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track JM Associates Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for JM Associates Credit Union curl "https://api.rateapi.dev/credit-unions/florida /jm-associates " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## JM Associates Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/florida/jm-associates Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp