Credit union · NCUA insured
JM Associates FCU Savings Rates
Top CarrotJM Associates FCU’s best savings rate is 5.12% APY on $10,000, with its Reward Savings. Rates checked October 5, 2026.
How JM Associates FCU’s savings 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
5.12%APY
- Minimum
- —
- Earns on $10,000 a year
- $512
Reward Savings
2nd-highest rate
EverBank
4.20%APY
- Minimum
- $0
- Earns on $10,000 a year
- $420
3rd-highest rate
Self-Help Credit Union
2.12%APY
- Minimum
- —
- Earns on $10,000 a year
- $212
JM Associates FCU savings score
99
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0005.12%
- $10,000 balance$10,0005.12%
- $100,000 balance$100,0005.12%
- QualifiedQualified5.12%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Reward Savings
5.12%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 5.12% | $512 |
Sources (1)
- jmafcu.org/rates · captured Oct 5, 2026
Super Savings
1.56%APY
Earn higher dividends Minimum balance of $2500 Free Digital Banking and Bill Pay A JMAFCU debit card with a checking account Direct Deposit Available
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $24,999Must 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. | 1.56% | $156 | 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. |
| $25,000 – $99,999Must 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. | 1.66% | — | 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. |
| $100,000 and upMust 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. | 1.81% | — | 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. |
Share Savings
0.55%APY
Initial deposit of $10.00 covers your membership fee. Great rates No monthly fee Free Digital Banking and Bill Pay A JMAFCU debit card with a checking account Direct Deposit Available
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a minimum average daily balance of $100 to earn dividends. Rates on variable rate accounts (i.e. Share Savings, Checking, and Super Savings) could change after account opening.$100 and up | 0.55% | $55 | Must maintain a minimum average daily balance of $100 to earn dividends. Rates on variable rate accounts (i.e. Share Savings, Checking, and Super Savings) could change after account opening. |
Stow-Away
0.55%APY
Earn monthly dividends $5.00 fee per withdrawal after one per month No minimum balance No monthly fee
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarn monthly dividends. $5.00 fee per withdrawal after 1 allowed per month. No minimum balance. No monthly fee.Any balance | 0.55% | $55 | Earn monthly dividends. $5.00 fee per withdrawal after 1 allowed per month. No minimum balance. No monthly fee. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRAs
0.60%APY
Offers Traditional and Roth IRA Savings. Dividends compounded daily and paid monthly based on average daily balance. Payroll deduction available. Separately insured up to $250,000.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded daily and paid monthly based on average daily balance. $5.00 monthly fee if balance is less than $100.00.Any balance | 0.60% | $60 | Dividends compounded daily and paid monthly based on average daily balance. $5.00 monthly fee if balance is less than $100.00. |
Sources (3)
- jmafcu.org/rates
- jmafcu.org/investments-retirement
- jmafcu.org/s/11-2023-SCHEDULE-OF-FEES-AND-CHARGES-1.pdf
All captured Oct 5, 2026
Christmas Club
0.55%APY
Payroll deduction November 1st account balance transfers to your eChecking or Share Savings $5.00 withdrawal fee prior to November 1st
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5.00 withdrawal fee prior to November 1st.Any balance | 0.55% | $55 | $5.00 withdrawal fee prior to November 1st. |
Sources (3)
All captured Oct 5, 2026
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.