Quarterly Newsletter for the Members of the Jackson Area Federal Credit Union July 2021

MAIN OFFICE 5675 Highway 18 West Jackson, 601-922-7055 1-800-273-5186

BYRAM BRANCH 7375 Siwell Road Byram, Mississippi

LOBBY & DRIVE-THRU HOURS M–Th 8:00 a.m.–4:30 p.m. F 8:00 a.m.–5:00 p.m.

MAILING ADDRESS P.O. Box 1403 Jackson, MS 39215-1403

“TOTAL TELLER” 24-Hour Account Access 601-922-7055, option 8

WEBSITE jacksonareafcu.com

For the latest JAFCU news, fun facts, and more, HIGHLIGHTS like us on Facebook and 2 Celebrate America’s Birthday follow us on Twitter. 3 JAFCU Honors Local Graduates SHARED BRANCHING 4 JAFCU Scholarship Winner Look for the logo! Announced 8 Tell Us Your Story! In Honor of America's Birthday, enjoy new & used auto loan rates as low as 1.95% APR!* In Honor of America'sOne Birthday, Day Only, enjoy new & used auto loan rates as low as 1.95%July APR!*7, 2021! One Day Only, JulyPre-approvals, 7, 2021! Purchases & Pre-approvals,Refinances! Purchases & Refinances! Become independent from Becomehigh independent auto loan fromrates! high auto loan rates!

ApplyApply onlineonline at at jacksonareafcu.com or jacksonareafcu.comcall 601-922-7055, option 1. or call 601-922-7055, option 1.

*APR=Annual Percentage Rate. Rates as low as 1.95% up to 60 months, as low as 2.95% up to 72 months, as low as 3.95% up to 84 months. Jackson Area FCU membership required. Offer is for vehicle loan purchases and refinances from other lenders. Refinances of existing JAFCU loans do not qualify. Offer is good for new & used vehicles only. Offer applies to minimum loan amount of $10,000. For a term of 60 months, loan amount of $25,000 at 1.95% APR , the payment would be $440.00 per month. For a term of 72 months, loan amount of $25,000 at 2.95%, payment would be $380.00 per month. For a term of 84 months, loan amount of $25,000, payment would be $345.00 per month. Offer is good for one day only and begins and ends on Wednesday, July 7, 2021. Loan must be preapproved before end of business day on July 7, 2021, and must be closed no later than July 21, 2021. Floor rate for this promotion is 1.95%. Subject to credit approval. Contact JAFCU for any conditions or restrictions that may apply. *APR=Annual Percentage Rate. Rates as low as 1.95% up Visitto 60 jacksonareafcu.com months, as low or ascall 2.95%601-922-7055, up to option72 months, 1, for mo asre details.low as 3.95% up to 84 months. Jackson Area FCU membership required. Offer is for vehicle loan*APR=Annual purchases Percentage and Rate. refinances Rates as low asfrom 1.95% other up to 60 lenders. months, as Refinanceslow as 2.95% up ofto 72existing months, as JAFCU low as 3.95% loans up doto 84 not months. qualify. Jackson OffeArea FCUr is membership good for required. new & used vehicles only. Offer applies to minimum loan amountOffer of is $10,000.for vehicle loan For purchases a term and refinances of 60 months,from other lenders. loan Refinances amount of existing of $25,000 JAFCU loans at do 1.95% not qualify. APR Offer , isthe good payment for new & used would vehicles beonly. $440.00 Offer applies perto minimum month. For a term of 72 months, loan amount of $25,000 at 2.95%,loan amountpayment of $10,000. would For bea term $380.00 of 60 months, per loanmonth. amount Forof $25,000 a term at 1.95%of 84 APR months, , the payment loan would amount be $440.00 of $25,000,per month. For payment a term of 72 would months,loan be amount$345.00 of per month. Offer is good for one day only and begins and$25,000 ends at on 2.95%, Wednesday, payment would July be $380.00 7, 2021 per .month. Loan For must a term beof 84 preapproved months, loan amount before of $25,000, end payment of business would be $345.00 day on per Julymonth. 7 ,Offer 2021, is good and for onemust day onlybe closed no later than July 21, 2021. Floorand rate begins for and thisends on promotion Wednesday, July is 7, 1.95%.2021. Loan Subjectmust be pre-approved to credit before approval. end of business Contact day on July JAFCU 7, 2021, for and anymust beconditions closed no later orthan restrictions July 21,2021. Floor that rate mayfor this apply. promotion is 1.95%. Subject to creditVisit approval. jacksonareafcu.com Contact JAFCU for any conditions or call or 601-922-7055, restrictions that may apply. option Visit jacksonareafcu.com 1, for more details.or call 601-922-7055, option 1, for more details. JACKSON AREA FEDERAL CREDIT UNION HONORS LOCAL GRADUATES

This year Jackson Area Federal Credit Union donated two (2) $500 scholarships to graduates of Hinds County School District, as well as two (2) $500 scholarships to graduates of Jackson Public School District.

Myles Travis is a Jenna Eubanks is recent graduate of a recent graduate Terry High School. of Raymond High He graduated with School. She a 4.20 grade point graduated with a average. Myles 3.95 grade point plans to attend average. Jenna plans to attend Mississippi and study chemical State University in engineering. the fall and study computer science.

Hanna Bengten is a recent graduate of and is the valedictorian of her class. Hanna plans on furthering her education and attending Rhodes College.

Eleanor Goodwin is a recent graduate of Murrah High School and is the salutatorian of her class. Eleanor plans on furthering her education and attending Mississippi State University. Both Bengten and Goodwin were inducted into Jackson Public School District’s 30 Plus Club for their ACT scores. Pictured with Bengten and Goodwin is Wayne Cameron, JAFCU VP Business Development.

Congratulations,

graduates! 3 Jharad, Age 3

Jharad was born with a critical heart defect that affects only about one out of every 10,000 babies. He was transferred to Batson Children’s Hospital, where the pediatric cardiology team recommended surgery.

Although the operation was successful, Jharad’s lungs were too weak for him to breathe on his own. Other organs began to fail, so his care team put him on a heart transplant waiting list. Six weeks later, Jharad became one of the youngest transplant patients in UMMC history. Seven months after he was born, Jharad got to go home.

Now, Jharad’s care team says he looks better every time they see him. His mom, Candace, says he is a very active toddler—he runs, jumps, and climbs like any other kid. He loves playing with spoons and watching Netflix®.

JACKSON AREA FEDERAL CREDIT UNION ANNOUNCES ANNUAL ESSAY SCHOLARSHIP WINNER!

Each year, Jackson Area Federal Credit Union offers an Essay Scholarship Contest for graduating high school seniors who are members of the credit union and who choose to submit an entry. As a result, one lucky, graduating high school senior’s essay is chosen, and a $500 scholarship is granted to them to help them further their education.

This year we are pleased to announce Gabrielle Lollis is our $500 Essay Scholarship Contest Award recipient! Gabrielle plans to attend Hinds Community College in the fall to pursue a nursing degree. After Gabrielle finishes at Hinds, she plans to transfer to or the University of Southern Mississippi to obtain Presenting Lollis with her a bachelor’s degree in nursing and become certified as a registered scholarship is Gary N. Fairley, JAFCU President/CEO. nurse. She wants to continue her education and eventually become a nurse practitioner or nurse anesthetist. Congratulations, Gabrielle! 4 Did you know that one of the benefits of your credit union membership is access to the TruStage® Auto & Home Insurance program?

• TruStage works with large, national insurance providers to offer competitive rates, outstanding service and a variety of car insurance options.

• Many members can save money.

• In just a few minutes, find out how much you could save—with no pressure and no obligation.

To find out more and get a free quote online visit trustage.com, or you can call to speak with a TruStage representative toll-free 855-259-8840.

Credit unions like ours make TruStage Insurance programs available because they’re founded in value, honesty and knowledgeable support. TruStage and the companies behind it were formed by credit unions, for credit unions and their members. As part of your financial planning, we invite you to work with TruStage to discover how these products and programs might be right for you.

TruStage® Auto & Home Insurance program is made available by TruStage Insurance Agency, LLC, PO Box 61, Waverly IA 50677-0061 and issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. TruStage Insurance Agency © 2020

5 NEED TO CHECK YOUR BALANCE? TRANSFER FUNDS? PAY A BILL?

Now you can perform all your transactions from your smart phone, tablet, or computer by enrolling for Home Banking. You can even make a deposit from the convenience of wherever you are! Visit jacksonareafcu.com to get started today!

HAVE YOU FALLEN VICTIM TO A LOW INTRODUCTORY CREDIT CARD RATE? DOES IT SEEM LIKE YOU AREN’T MAKING ANY HEADWAY WITH YOUR CREDIT CARD BALANCE? DO YOU KNOW WHAT YOUR CREDIT CARD APR IS?

Jackson Area FCU offers a Visa Platinum credit card with a great low rate of 8.90%! Plus, Enjoy the benefits of… No Annual Fee! No Application Fee! No Visa cash advance Fee! Transfer the balance of your credit card to a Jackson Area FCU Visa Platinum credit card with No Balance Transfer Fee!

ARE YOU JUST STARTING OUT TRYING TO BUILD CREDIT OR RECOVERING FROM DIFFICULT FINANCIAL TIMES AND WANT TO GET BACK ON TRACK? Jackson Area FCU offers a Secured Visa Credit Card with a low rate of 12.90% We can help you get back on track! Visit jacksonareafcu.com or call 601-922-7055 option 1 and speak to a loan officer. 6 Member Name Crazy About Cars Complete this crossword puzzle and submit to the credit union by July 31, 2021, to be entered into a drawing for a $25.00 Visa gift card. Mail your completed word search to JAFCU, Attention: Marketing Department, P.O. Box 1403, Jackson, MS 39215. Must be a member of Jackson Area FCU. Not valid with any other offer. Excludes JAFCU employees, Board and Committee members, and their families.

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Across 2. Referred to as the “pony car.” 3. This General Motors-made luxury vehicle brand credits itself with making the engine crank obsolete in 1912. 6. Personal luxury car model produced by Ford which debuted in 1955. 7. In 1913, this Ford-produced vehicle became the first mass-produced automobile. 10. Model name of a Ford-produced vehicle named for Henry Ford’s son. 11. The U.S. mandates this type of safety feature in vehicles beginning in 1968. 12. In 1903, a woman named Mary Anderson invented this auto feature to assist drivers in inclement weather. 13. A blue Duesenberg is featured in the 1982 movie featuring this famous orphan. 14. In 1957, Ford began creating this popular model for those who liked cars and trucks but didn’t have anything in the middle. 15. Many say this is one of the ugliest vehicles ever produced by AMC. 16. Full-size Chevrolet SUV originally debuted in 1934 and had the nickname “carry all.” Down 1. In 1960, Chevrolet released a similar “car-truck” vehicle to keep up with its competitor, Ford. 3. Two-door, two-passenger sports car produced by Chevrolet beginning in 1953. 4. This type of vehicle control was invented by blind engineer Ralph Teetor. 5. This auto manufacturer takes credit for its German engineer inventing the first vehicle powered by a gas engine. 8. This vehicle was featured in the Back to the Future movies as a time-traveling machine. 9. This high and low beam invention was created in 1924. Congratulations to Tony of Brandon, MS who submitted the word search puzzle from our 7 April Member Matter$ newsletter. Tony is the lucky winner of a $25.00 Visa gift card! TELL US YOUR STORY! Could you use $50.00? Let’s face it, who couldn’t? Now’s your chance! Tell us about a positive experience you’ve had or brag about a Jackson Area FCU employee. Is there a product or service of JAFCU that has helped you achieve your financial goals? Why do you like being a member of JAFCU? Submit your testimonial to JAFCU, Attn: Marketing Dept., P.O. Box 1403 Jackson, MS 39215 or email to [email protected], and you could win $50!

Read what our latest testimonial winner had to say: “Where do I began? Over the past few years I have made some terrible financial decisions in terms of credit cards. These choices I made have led me down a path of credit crisis, and by only paying the minimum every month, it would take 40 years to pay the card off completely. A few weeks ago, Wayne came to my place of employment, and I decided to talk to him about my current situation. When I told Wayne how much I was paying, he immediately offered me a solution to help ease the burden. He offered an opportunity to pay the credit card off in three years. I quickly said, “YES!!! Three years instead of 40— where do I sign?” Jackson Area Federal Credit Union is one of the best credit unions in the state, and I am very appreciative of all the employees and how nice and helpful they were to me.” –Howard (Canton, MS)

By submitting your testimonial, you hereby consent to the use of your testimonial, name, and photo for advertising purposes without compensation, unless the same is prohibited by law. We reserve the right to judge if a testimonial is worthy to be published and to edit and use all of or parts of the testimonial. Further, all persons entering this promotion agree to release and hold harmless Jackson Area FCU, its employees, agents, and representatives from any and all claims of any kind arising either directly or indirectly from said promotion. Jackson Area FCU does not acknowledge or return any entries. Jackson Area FCU will not be responsible for any misdirected, incomplete, or illegible entries. Must be a member of Jackson Area FCU (and in good standing). Jackson Area FCU employees, Board, Committee members, and their families are not eligible to win. No purchase necessary to enter. Contact Jackson Area FCU for more details.

HELP PROTECT THE ENVIRONMENT!

Sign up for e-statements at jacksonareafcu.com. Simply log in to your online banking, click on the e-statements tab, then choose “click here” to receive e-statements…it’s that easy! 8 OUR MEMBER BENEFITS • NO CONTRACTS OR MYSTERY FEES We offer a variety of wireless plans to meet your individual needs with no contracts, credit checks or mystery fees. • TOP NETWORKS Coverage on America’s largest and most dependable networks. • TOP PHONES Whether you’re an Android person or an iPhone fanatic, we have the latest phones for every budget. • KEEP YOUR OWN PHONE Love the phone you have? Keep the phone, number and network you love with our easy-to-install SIM Kits. Visit LoveMyCreditUnion.org and start saving on your wireless today! 9 CONTACT INFORMATION Receptionist...... ext. 221 IRAs...... ext. 253 JAFCU Services Visa Card Inquiries...... exts. 251, 255, 249 Share Accounts Disability Claims...... ext. 225 Share Draft (Checking Account) Collections...... exts. 241, 242, 235 ATM/Debit Card Wire Transfers...... exts. 253, 231 Online Home Banking Loan Applications...... exts. 224, 226, 229, 270 Online Bill Pay Member Payroll...... ext. 231 Online Payment Center Member Service...... exts. 227, 228, 273 Payroll Deduction We are sometimes busy assisting other members Direct Deposit either in the office or on the other line, so please leave Coindexter Club us a voice message, and we will return your call in a FREE2B Account timely manner. iCOUNT Auto/Boat/RV Loans ACCOUNT ACCESS First Mortgage Loans Motorcycle/ATV/Tractor Loans Access your account with these free services 24 hours a day, 7 days a week. Savings/CD Secured Loans Signature Loans Just call Total Teller at 601-922-7055 option 8. With Personal Line of Credit Loans Total Teller, you can receive account balances, transfer VISA Credit Cards funds, access loan account information, or even have VISA Gift Cards a check sent directly to your front door! Reloadable Debit Cards Home Banking gives you all the conveniences of Total Share Certificates Teller. You can receive your statement electronically, Individual Retirement Accounts view account history, apply for a loan, and much more! Christmas Club Online Bill Pay is available to checking account VIP Club holders. With Bill Pay, you can transfer money Money Orders between financial institutions, schedule single Wire Transfers or recurring bills to be paid, and much more! Cashier Checks Go to our website at jacksonareafcu.com, or come by NADA Car Book Quotes the credit union to sign up! 24-Hour Voice Response Night Depository Safe Deposit Boxes (main office only) CREDIT UNION STATS Notary Public Services as of May 31, 2021 Extended Auto Warranty Members...... 13,937 Lifetime Membership Loans...... $35,797,028 Assets...... $100,254,726 Deposits...... $89,449,467 CALENDAR OF EVENTS

Monday, July 5 CU CLOSED – Independence Day

Wednesday, July 21 Main Office & Byram branch open at 9:00 a.m.

Wednesday, August 18 Main Office & Byram branch open at 9:00 a.m.

Monday, September 6 CU CLOSED – Labor Day

Wednesday, September 15 Main Office & Byram branch open at 9:00 a.m.

DIVIDENDS as of May 31, 2021 Regular Shares 0.10% APY* Club Account 0.10% APY* IRA Shares 0.15% APY* Term Share Certificates dividend yields and terms vary. Call for details. *Annual Percentage Yield. All rates provided are subject to change monthly. Annual percentage yield may vary according to actual account balance. Regular Share and Club Accounts Dividends paid on average daily balances of $100.00 or more. 11 Jackson Area Federal Credit Union PRSRT STD P.O. Box 1403 U.S. POSTAGE Jackson, MS 39215-1403 PAID HDP&G jacksonareafcu.com

MEMBER MATTER$ is an official publication of the Jackson Area Federal Credit Union. This newsletter serves as an official notice to the credit union membership for all matters contained within.