Four Letters. Infinite Potential.

Sales Team

Terry Downey - Regional Director


Telephone: (971) 200-0022

Terry joined JMFA with more than 20 years of banking and credit unions systems experience.  His background includes extensive success in sales, project management and deployments of software and hardware, and related maintenance services, such as ATM network solutions, imaging and core processing, internet banking and teller support.  This experience has given him a unique appreciation of the operational needs of banks and credit unions.

Prior to joining JMFA, Terry was associated with FTSI Connecting, Pendum LLC, Fiserv Summit Information Systems and Harland Financial Solutions.  He received a Bachelor of Management of Human Resources degree from George Fox University.

Territories: AK, HI, ID, OR, WA



“Overdraft privilege brings a service to the members WSECU didn’t have before. It provides members help with financial management and saves them a lot of time and expense with merchants on returned items; mostly due to a timing or calculation error.”

— D Lou Stewart, Vice President of Support Services and the Overdraft Privilege Project Team
Washington State Employees Credit Union
Olympia, WA


“John M. Floyd & Associates analyzed the credit union thoroughly to customize our Overdraft Privilege Program and maximize the benefits for the credit union and most importantly, our members.”

— Debi Smiley, Chief Operations Officer
Wauna Federal Credit Union
Clatskanie, OR

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