Pennsylvania Credit Union Association

John M. Floyd (JMFA)
Consulting Services

JMFA offers comprehensive consulting services and proven strategies to help credit unions generate new income, reduce expenses and create loyal, satisfied members. Over the past 35 years, JMFA has partnered with thousands of financial institutions across the nation, improving their performance and profitability. Their consistent, exemplary results have made JMFA one of the most trusted names in the industry. 


JMFA Contract Optimizer

Through a free analysis of current third-party service contracts, JMFA can help enhance an institution’s bottom line without budget cuts, fee increases or reduction of services. Plus, expert contract negotiators work with existing vendors to arrange better terms on the following products and services used by credit unions every day:


  • ATM / Debit Card / Credit Card Processing
  • ATM / Branch Maintenance
  • Credit Reporting for Consumer Loans
  • Credit Card Processing
  • Check Orders
  • Core Data Processing
    (service bureaus only)
  • EFT Processing
  • Internet Banking
  • Telecommunications
  • Image/Item Processing


JMFA Contract Optimizer is risk-free and has a 98 percent success rate of lowering the cost of contracts and simultaneously improving the level of service received by financial institutions across the country.  It is also risk-free since fees are based on the savings negotiated through the process. 



For more information or to get started, please contact your Association Representative at 800-932-0661, or e-mail
Business Development / Sales
Central Pennsylvania

Russell Evans
VP, Business Development
& Membership
800-932-0661 x 5330

Western Pennsylvania

Monika Edlis

Sr. Account Executive

Eastern Pennsylvania

Angelique Pattillo
Account Executive