FLFCU Q2 Newsletter 2024

SECOND QUARTER 2024 In the Loop

Our Southern Pines Branch Opening this Summer!

Facilities Update Southern Pines Branch - Opening in July!

Staff Spotlight Meet some of our shining staff members!

15/15 Adjustable Rate Mortgage Is a 30-year fixed rate mortgage right for you? Doris E. O'Brien Award Meet this year's recipient.

Members Financial Services Gain confidence in your retirement. Supporting Our Communities Learn how FLFCU is helping local communities.

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IN THE LOOP

Southern Pines Branch – Opening in July! We continue to strive to deliver on our mission to provide exceptional financial services to our members and everyone in the communities we serve.

Great news! We're excited to announce the opening of our new full-service branch in Southern Pines this Summer, featuring 3 drive-thru lanes, ATM access, teller pods, and a community room for training sessions and workshops. You can find our Southern Pines Branch at 107 Brucewood Road, across the street from the Carolina Cinemas, Sandhills 10 movie theater. So, help us get the word out and tell your family, friends, and everyone you know to open an account at the Credit Union! They can benefit from the Credit Union difference too!

Military Appreciation Loan Discounts

FLFCU is honoring active-duty and retired military personnel with our Military Appreciation Loan Discounts! In May, take an additional .50% APR off your loan for a new or used car purchase, and take .25% APR off all motorcycle, watercraft, recreational vehicle, and unsecured loans. Save even more money by taking advantage of multiple offers. But hurry, applications must be received by May 31st. All loans are subject to credit approval and terms and conditions apply! We thank you for your service and sacrifice!

Is a 30-year fixed-rate mortgage best for you? The 30-year fixed-rate mortgage (FRM) is the most common mortgage selected by borrowers. However, most people keep this mortgage for less than 10 years because homeowners refinance or purchase a new home before the term is up. And, according to the National Association of REALTORS®, most buyers expect to stay in a home they purchase for only 15 years. Perhaps a better option for you to consider is our 15/15 adjustable-rate mortgage (ARM). The 15/15 adjustable-rate mortgage (ARM) provides a lower initial rate, and it is fixed for 15 years. This means you can enjoy lower monthly payments and save thousands of dollars in interest over the life of the loan. This could make a difference when choosing a neighborhood or negotiating a price. So, save money or maximize buying power with our 15/15 ARM. It may be the best option for you!

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SECOND QUARTER 2024

Doris E. O’Brien Award Herb L. Swarts, Chairman of the Board of Directors, was the recipient of the Doris E. O’Brien award volunteer in 2023. Mr. Swarts has served on the Board of Directors for 27 years including the last 9 years as the Chairman of the Board of Directors. He has always put FLFCU and our membership at the forefront of his priorities. The award was created in honor of Doris E. O’Brien who served on the Board of Directors and created a legacy that inspired others to engage in volunteer service while embodying loyalty and dedication to FLFCU. Mrs. O’Brien served on the Board of Directors for 28 years before her passing in 2010. Willie M. Dickens, 1st Vice Chairman, presented the award at the credit union’s annual membership meeting, held on March 19, 2024. in recognition of his service as the most outstanding

Staff Spotlight Fort Liberty 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! Diandra James Member Service Associate II, Bastogne

Diandra is a devoted employee who consistently excels in her role as a Member Service Associate II. Her passion shines through as she assists soldiers with our Utility Deposit Waiver Program

and introduces our members to new products and services that will enhance their financial lives. Diandra's unwavering commitment to helping others sets her apart and we are fortunate to have someone with her dedication and skills contributing to the success of our organization. Rosa Cameron Supply Specialist, Bastogne

Rosa has been an invaluable member of our team over the past two years, not only excelling in her role as a Supply Specialist but also providing essential support to our Contact Center. Her

dedication is evident through her many contributions – from educating members on cost-saving strategies to ensuring a well-stocked workspace. Rosa extends a warm welcome to new hires and consistently approaches each day with a contagious smile. Her positive attitude, attention to detail, and exceptional performance make her an outstanding asset to our team. We are fortunate to have Rosa as a member of our Credit Union team.

MEMBERS Financial Services Gain confidence by combining cutting-edge technology with the guidance of a qualified advisor like Daniel Campanelli, CFS, CRPC conferred by the College for Financial Planning, and CFP®. Dan, a seasoned Financial Advisor with MEMBERS Financial Services*, brings decades of financial planning experience to the table. By leveraging advanced analytical software, he can assess your circumstances, stress-test various scenarios, and craft personalized plans to work toward your comfortable retirement. Maintain confidence in your retirement and schedule an appointment with Dan today by calling him at 910-487-7109 or emailing him at Daniel.Campanelli@lpl.com . To learn more about Financial Services and Investments, go to MyFortLibertyFCU.org/mfs .

Daniel Campanelli CFS, CRPC, CFP®

Fort Liberty Federal Credit Union (FLFCU) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay FLFCU for these referrals. This creates an incentive for FLFCU to make these referrals, resulting in a conflict of interest. FLFCU is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more information. *Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Fort Liberty Federal Credit Union (FLFCU) and MEMBERS Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using MEMBERS Financial Services, and may also be employees of FLFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, MEFCU or MEMBERS Financial Services. Securities and insurance offered through LPL or its affiliates are: Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value

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IN THE LOOP

BRANCH LOCATIONS 4172 Hefner Drive Fort Liberty, NC 28310 4020 Bastogne Drive Fort Liberty, NC 28307 1650 Skibo Road Fayetteville, NC 28303 7840 Raeford Road Fayetteville, NC 28304 6300 Ramsey Street Fayetteville, NC 28311 COMING SOON! 107 Brucewood Southern Pines, NC 28387

Supporting Our Communities Fort Liberty Federal Credit Union supports many charitable organizations in our communities. Through a combination of corporate donations, employee contributions, and volunteer efforts, we strive to make a positive impact on those around us.

In March, we proudly sponsored the All American Half-Marathon at Fort Liberty, which saw a turnout of over 1,000 participants. Starting in April, we'll launch an employee food drive to support the

BRANCH HOURS Monday - Thursday 9:00 am- 5:00 pm Friday 9:00 am- 6:00 pm Saturday (Skibo Branch & Contact Center) 9:00 am - 1:00 pm Monday - Friday 9:00 am- 5:00 pm Saturday 9:00 am - 1:00 pm CONTACT US Telephone 910.864.2232 or 866.79.FLFCU (1.866.793.5328) Fax: 910.487.8204 MyFortLibertyFCU.org Mailing Address LENDING CENTER 3268 NC Hwy 87 South Sanford, NC 27330

Auto Loan Special Rev up your savings with our “You Choose” auto loan promotion! Want a low rate? You got it! Pick 3.49% APR with 36-month term or go for lower payments with 5.99% APR and a 72-month term. Plus, you can enjoy no payments for the first 90 days! Ready to make your choice? Go to MyFortLibertyFCU.org/autospecial to learn more and to apply today! Auto Refinance or Purchase 3 . 49 % apr * for 36 months 5 . 99 % apr * for 72 months You Choose! At Fort Liberty Federal Credit Union, we take great pride in supporting both military and civilian families in the areas we serve. Our commitment to supporting our communities remains unwavering, and we look forward to continuing to make a meaningful difference in the lives of those around us. Tax Loan Tax season is here, and we can help ease your mind. With our Tax Loan, you can take 1% off your qualifying rate for a 12-month term! Would you like to keep your payment a little lower? Extend the term to 24 months and take .75% off your qualifying rate! The maximum loan amount is $10,000 and the offer is available until April 30th. Head to MyFortLibertyFCU.org/promotions to learn more! Sandhills Coalition in Moore County. Lastly, stay on the lookout because, throughout the year, we will be offering free educational opportunities to our members. These sessions are designed to provide valuable insights and practical advice on managing finances effectively.

Post Office Box 70240 Fort Liberty, NC 28307 ABA #253175737 HOLIDAY CLOSURES MEMORIAL DAY May 27th & May 29th JUNETEENTH NATIONAL INDEPENDENCE DAY June 19th

Vacation Loan Plan your getaway with our Vacation Loan! Starting on June 1st, you can borrow up to $2,500 and take 1% APR off your qualifying rate, with a repayment period of 12 months. Applications must be submitted by July 31st. All loans are subject to credit approval. Click here to learn more and apply!

Federally insured by NCUA.