Credit union · NCUA insured
JM Associates FCU CD Rates
Top CarrotJM Associates FCU’s best CD rate is 3.71% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How JM Associates FCU’s CD rates compare
Compared with banks and credit unions near Jacksonville, FL, where JM Associates FCU has the most branches. $10,000, best rate first.
This credit union’s best
JM Associates FCU
3.66%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $366
Term Share Certificate
Top rate
RadiFi Credit Union
4.91%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $366
2nd-highest rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
JM Associates FCU CD score
77
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo3.66%
- 16–30 months16–30 mo3.46%
- 31–60 months31–60 mo3.46%
- QualifiedQualified3.66%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where JM Associates FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificate
Up to 3.66%APY · 7 terms
Penalties for early withdrawal on term share accounts.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.51% | 3.56% | 3.51%3.56% from $50k | $174 |
| 12 months | 3.66% | 3.71% | 3.66%3.71% from $50k | $366 |
| 18 months | 3.46% | 3.51% | 3.46%3.51% from $50k | $523 |
| 24 months | 3.46% | 3.51% | 3.46%3.51% from $50k | $704 |
| 30 months | 3.46% | 3.51% | 3.46%3.51% from $50k | $888 |
| 36 months | 3.46% | 3.51% | 3.46%3.51% from $50k | $1,074 |
| 60 months | 3.36% | 3.41% | 3.36%3.41% from $50k | $1,797 |
Special-purpose accounts
IRA Term Share Certificate
Up to 3.66%APY · 7 terms
Penalties for early withdrawal on term share accounts.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.51% | 3.56% | 3.51%3.56% from $50k | $174 |
| 12 months | 3.66% | 3.71% | 3.66%3.71% from $50k | $366 |
| 18 months | 3.46% | 3.51% | 3.46%3.51% from $50k | $523 |
| 24 months | 3.46% | 3.51% | 3.46%3.51% from $50k | $704 |
| 30 months | 3.46% | 3.51% | 3.46%3.51% from $50k | $888 |
| 36 months | 3.46% | 3.51% | 3.46%3.51% from $50k | $1,074 |
| 60 months | 3.36% | 3.41% | 3.36%3.41% from $50k | $1,797 |
Who can join JM Associates FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Associates, retirees, and interns of JM Family Enterprises, Inc. and its affiliated companies are eligible for membership.
Family and household
- Immediate family members (spouse, parent, child, sibling, grandparent, or grandchild, including step and adoptive relationships) or surviving spouses of JMAFCU members are eligible for membership.
Cost to join
- Membership requires a $5 deposit into a Share Savings account.
- Membership requires a $5 membership fee.
Membership information collected October 5, 2026.