FBFCU 3rd Quarter Newsletter 2025

THIRD QUARTER 2025 In the Loop

Secure Checking Benefits to protect you and your family. New 5/5 Adjustable-Rate Mortgage Learn about our new mortgage loan. Loan Promotions From Vacation to Back-to-School, we've got you covered! my$pend Rewards Credit card rewards made easy.

Online Banking Better b anking everywhere you go. Staff Spotlight Meet some of our shining staff members! Supporting Our Communities Learn how FBFCU is helping local communities. Career Opportunities Learn how you can enjoy a career at the best financial institution in town!

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IN THE LOOP

Secure Checking Spotlight

Our Secure Checking account is loaded with valuable benefits designed to protect you and your family while saving you money! Identity Theft Protection, Cell Phone Protection, and Buyer Protection are just a few great features that come automatically with your Secure Checking account.

stolen phones when your cell phone bill is paid using this account. • Debit Advantage (Buyers Protection) protects items purchased entirely with this account against accidental breakage, fire, or theft for 90 days. It also extends the original manufacturer’s warranty for up to one year on most new retail purchases. • Shopping Rewards and more! Sleep better at night with the added protection of Secure Checking. Click here to learn more and open an account today! Once you’ve established your Secure Checking account, register and activate your benefits by clicking here . Don’t forget to activate identity theft and credit monitoring alerts for you and your family , and download our Club Checking a pp. Why Choose the 5/5 ARM?  Always priced lower than our 30- year fixed rate mortgage  No 1% Origination Fee  Lower initial monthly payments  Build equity faster Act fast — this offer may not last Click here to talk to a Mortgage Loan Officer today and start saving from day one. *Some restrictions may apply. Contact us for full details.

• IDProtect provides identity theft monitoring and resolution services. Get free credit reports, credit alerts, and up to $10,000 in identity theft reimbursement. • Cell Phone Protection allows you to receive up to $300 of replacement or repair costs for damaged or New 5/5 Adjustable-Rate Mortgage A smart way to finance your home! Now’s the perfect time to take advantage of our special 5/5 Adjustable-Rate Mortgage (ARM) — designed to help you save from the start! Plus, we’re waiving the 1% Origination Fee — that’s real, upfront savings right away. With our 5/5 ARM, you’ll enjoy a low starting rate locked in for the first five years — and your rate will only adjust every five years after that. It’s a smart option whether you're buying your first home, upgrading, or refinancing.

Save Money with our Loan Promotions!

Vacation Loan Plan your getaway with our vacation loan! You can borrow up to $2,500 and take 1.00% APR off your qualifying rate, with a repayment period of 12

Back-to-School Loan Summer is coming to an end , and it's time to gear up to go back to school! Starting August 1st, you can take 1.00% APR off your

months. Applications must be submitted by July 31st , and you can apply through O nline B anking! Just log in, then select the menu option that says, “Apply for a Loan.”

qualifying rate and borrow up to $1,000 with a 12-month repayment period. Apply through O nline B anking by September 30th using the button below.

START AN APPLICATION

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THIRD QUARTER 2025

Earn my$pend reward points for every dollar you spend when you use Reward yourself with my$pend!

Staff Spotlight Fort Bragg Federal Credit Union is fortunate to have a hardworking and dedicated team focused on delivering exceptional service to our member-owners. We are proud to recognize our most recent Employee of the Quarter winners! Rebecca Guernsey Records Clerk Rebecca goes above and beyond to keep our records secure and private, always following strict guidelines for how they’re handled and discarded . Thanks to her hard work, the file room is now much more efficient and organized. She also stays in close contact with all departments and branches to make sure important mail gets where it needs to go—fast. No matter the task, Rebecca brings a positive attitude and is always looking for ways to make things better and help the credit union succeed. We’re proud to have her on the FBFCU team and excited to recognize the great work she does every day. Regina Wilson Lending Center Specialist

your FBFCU Visa® credit card! With my$pend, points are automatically tracked and redeemable for millions of

products, tickets, downloads, and other merchandise found in the redemption catalog. Also, all Visa® credit cards under the same membership account automatically earn points and can be combined to maximize your point earning capabilities. To take advantage of the program: 1. Log into O nline B anking. 2. Click on the "my$pend" banner. 3. Follow the prompts to register your card. You can check your point balance and redeem points through online banking or by calling us at (866) 265-8731. Don't have an FBFCU Visa® credit card? Start an application in O nline B anking today.

Regina always keeps a positive attitude, even during stressful situations. She stays calm and collected, and she’s always willing to help with a friendly and welcoming attitude. Her ability to

connect with others and offer support makes her a valuable part of the team for both coworkers and members. Regina’s kindness and helpfulness help create a positive atmosphere that everyone enjoys. We truly appreciate her hard work and the difference she makes on our team.

START AN APPLICATION

Online Banking

Online Banking makes your life easier! And over 14,000 FBFCU members have registered for Online Banking to conduct banking transactions 24/7 while enjoying convenient and secure account access! You no longer need to visit a branch or call the contact center to take advantage of our products and services. Online Banking allows you to transfer money, open an account, apply for a loan, and pay bills. And you can review your account history, find nearby ATM and Branch locations, and more! All with a click of a button. With our identity settings and authentication methods, you will rest easily knowing your account activity is

safe and secure. Plus, you can enable text alerts to become automatically notified of a low-balance or high-dollar transaction.

You can register and log in to Online Banking from the homepage of our website (FortBraggFCU.org) or by downloading our MyFLFCU mobile app to your phone. Our mobile app has the same functionality as Online Banking but comes with the added benefit of depositing checks from anywhere! Why wait? Skip the lines and register for Online Banking or download our MyFLFCU mobile app today!

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IN THE LOOP

BRANCH LOCATIONS 4172 Hefner Drive

Fort Bragg, NC 28310 4020 Bastogne Drive Fort Bragg, NC 28307 1650 Skibo Road Fayetteville, NC 28303 7840 Raeford Road

Supporting Our Communities Fort Bragg Federal Credit Union continues to support many charitable organizations in the communities we serve , and we are always proud to support the devoted families in our communities. In May, we had the privilege of celebrating Military Spouse Appreciation Day by partnering with Supporting Military Families, Inc., a foundation dedicated to serving those who stand behind our nation’s service members. As a proud, longtime sponsor, we helped host a Care Package Party at Manna Church in Fayetteville, NC.

Fayetteville, NC 28304 107 Brucewood Road Southern Pines, NC 28387 BRANCH HOURS Monday - Thursday 9:00 am- 5:00 pm Friday 9:00 am- 6:00 pm Saturday 9:00 am - 1:00 pm (Skibo & Southern Pines only) CONTACT US Telephone 910.864.2232 or 800.79.FBFCU (866.723.5328) Fax: 910.487.8204 Mailing Address FortBraggFCU .org ABA #253175737 HOLIDAY CLOSURES INDEPENDENCE DAY Friday, July 4th Saturday, July 5th LABOR DAY Saturday, August 30th Monday, September 1st Post Office Box 70240 Fort Bragg, NC 28307

The event was more than just a gathering — it was a joyful expression of encouragement and gratitude. Every military spouse in attendance received a thoughtfully prepared care package, and expecting moms or those with infants were gifted special baby bundles. We were honored to be part of this meaningful event and remain committed to supporting those who serve, both on the front lines and behind the scenes.

Career Opportunities

Looking for a career that is both challenging and rewarding? Join the Fort Bragg Federal Credit Union team! We’re a growing organization

where our loyal members and exceptional employees make a difference every day. Our team of dedicated financial professionals demonstrates our core values of Trust, Commitment, and Integrity through the work they do, and the service they provide to our members. For a list of available positions and to apply, go to FortBraggFCU.org/careers .

Federally insured by NCUA.