FLFCU 1st Quarter Newsletter 2025

FIRST QUARTER 2025 In the Loop

Annual Membership Meeting Tuesday, March 18, 2025, 3:00 PM, at the FLFCU Operations Center. 2024 Loyalty Dividend FLFCU distributed $1,125,000 in December to reward loyal members! Debt Consolidation Loan Promotion Consolidate your debt and save money.

Staff Spotlight Meet some of our shining staff members.

Advantages of Money Market Accounts Esrn more and maintain easy access to your funds.

Supporting Our Communities Learn how FLFCU is helping local communities.

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IN THE LOOP

Annual Membership Meeting The Annual Membership Meeting for Fort Liberty Federal Credit Union will be held at 3:00 PM on Tuesday, March 18, 2025, at our Operations Center, located at 1638 Skibo Road. The meeting agenda includes the election of directors, board reports, and an update from the CEO on important Credit Union initiatives.

Announcement from the Secretary of the Board of Directors

Herbert L. Swarts has been a member of the Credit Union since 1994 and served on the Board of Directors for 28 years including the last 10 years as the Chairman of the Board of Directors. Mr. Swarts is a retired Lieutenant Colonel from the U.S. Army. He holds a Bachelor of Science in Business Administration from McKendree College and a Master’s degree from East Carolina University. Brenda K. Britt has 42 years of experience in education with the State of North Carolina, including an impressive 33 years at Fayetteville Technical Community College. She holds two advanced degrees: a Master’s in Business Education from the University of North Carolina at Greensboro (UNCG) and a Master of Business Administration from Campbell University. Brenda retired in 2013 but remains actively involved in the community, extending her dedication to service in the financial sector. She joined the FLFCU Supervisory Committee in September 2022 and, in April 2024, was appointed to the Board of Directors, underscoring her commitment to supporting the credit union and its members.

The Nominating Committee has nominated incumbents David A. Hunt, Herbert L. Swarts, and Brenda K. Britt to fill two three-year terms and one unexpired term of one year, respectively, on the Board of Directors in 2025. All members have an opportunity to have their name placed on the ballot by way of a petition signed by 1% of the members (394 signatures as of 06/30/24). Each nominee by petition must submit a statement of qualifications, biographical information, and an attestation stating that they are agreeable to nomination and will serve if elected to office, along with the petition no later than February 3, 2025, to the Secretary of the Credit Union, P.O. Box 70240, Fort Liberty, NC 28307. Supporting documents may be obtained by calling 866-793-5328, ext. 8233. Statement of qualifications and information on the nominees: David A. Hunt has been a member of the Credit Union since 1974, and he has served on the Board of Directors for a total of 28 years. Mr. Hunt is a retired Command Sergeant Major from the U.S. Army.

2024 Loyalty Dividend

For the seventh consecutive year, FLFCU has distributed this special dividend to recognize our most loyal members! This year, $1,125,000 was distributed on December 17th, with some members receiving as much as $500. Since 2018, we have given back nearly $6,000,000 in Loyalty Dividends to our members. Your decision to do business with FLFCU allows us to continually improve products and services for all members and facilitate our growth. It is our intention to continue this special annual tradition for many years to come! To learn how you can benefit from the Loyalty Dividend, visit MyFortLibertyFCU.org/loyalty-dividend .

Debt Consolidation Loan Promotion Are you looking for a budget-friendly way to get out of debt faster? Consolidate your debt and save money with our Debt Consolidation Loan! Our flexible repayment terms allow you to choose a payment that will fit your budget, and you can borrow as little as $2,500. Plus, you can take .25% APR off your qualifying rate! Please call us at 866.79.FLFCU or visit one of our locations to apply. But hurry, the promotion ends on February 28, 2025.

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FIRST QUARTER 2025

Staff Spotlight Fort Liberty Federal Credit Union is proud to have a hardworking and dedicated team that delivers exceptional service to our members. Each year, the Credit Union selects an Employee of the Year from the recent winners of the Employee of the Quarter, based on character, attitude, and outstanding performance. Additionally, the Star Performance Award is presented to employees who consistently rise to challenges while demonstrating our core values of Trust, Commitment, and Integrity. Jonathan Rubenstahl was named Employee of the Year, while Melanie Criswell and Bernice Collins received Star Performance Awards. We also announced the Ambassador of the Year, an award recognizing the employee who best represented the Credit Union at community events. Joanie Boughter was honored as the Ambassador of the Year. Congratulations to all our 2024 award recipients!

Employee of the Year

Star Performance Award

Star Performance Award

Ambassador of the Year

Jonathan Rubenstahl Lead Facilities Technician

Melanie Criswell Human Resources Generalist

Bernice Collins Member Service Associate I

Joanie Boughter ODP Administrator

Do you want to earn a higher interest rate on your money? YWith our Money Market Account, you can earn 4.00% APY with an Average Daily Balance between $5,000 and $250,000, that’s way better than your average savings account, and your funds are accessible whenever you need them. Would you like to earn even more? Earn 4.60% APY when you open a 12-month CD with a minimum deposit of $25,000. Plus, both accounts are federally insured for up to $250,000, so your money is safe and sound. Grow your financial future with us, visit MyFortLibertyFCU.org and click on “Accounts” to get started today. But act fast, rates are subject to change! High-Yield Saving Accounts! Employee of the Quarter (Q3) Jessica is an invaluable and dedicated team player who seamlessly works across multiple branches, stepping in wherever the Credit Union needs support. She consistently provides guidance to employees while fostering strong relationships with members. She eagerly assisted with opening our Southern Pines branch and has since taken on increasing responsibilities, including training employees in areas such as ATMs, remote deposits, and membership. Thank you, Jessica, for your uplifting personality and unwavering dedication!

Jessica De Leon Assistant Branch Manager

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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

The Advantages of a Money Market Account The primary advantage of a Money Market Account is its tendency to offer more attractive interest rates than other savings accounts while keeping your funds easily accessible.

Fayetteville, NC 28304 6300 Ramsey Street Fayetteville, NC 28311 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 866.79.FLFCU (866.793.5328) Fax: 910.487.8204 Mailing Address Post Office Box 70240 Fort Liberty, NC 28307 MyFortLiberty FCU.org ABA #253175737 HOLIDAY CLOSURES NEW YEAR’S DAY Wednesday, January 1st BIRTHDAY OF MARTIN LUTHER KING JR. Saturday, January 18th & Monday, January 20th WASHINGTON’S BIRTHDAY Saturday, February 15th & Monday, February 17th

PRODUCT Savings Checking 48 Month CD

NATIONAL AVERAGE 0.043%

The Money Market Account at FLFCU boasts a 4.00% Annual Percentage Yield (APY), which is considerably higher than the National Average of other savings products as reported by the FDIC. Please refer to the chart for details.

0.08% 1.27%

*National Average rates are from FDIC at www. fdic.gov/resources/bankers/national-rates/ and are valid as of 11/18/2024.

And, like other deposit accounts, the FLFCU Money Market Account is backed by federal insurance, providing coverage of up to $250,000 when held by the same owner(s). Also, a Money Market Account can be a valuable savings tool for achieving both short-term and long-term financial objectives. For instance, you may consider opening a Money Market Account if you: • need a convenient and secure place to keep your emergency funds • want to earn an APY comparable to CDs without tying up your money for months • are interested in saving money toward a major purchase like a down payment on a home So, if you want to achieve your saving goals and earn a higher interest rate while retaining access to your funds, a Money Market Account may be the ideal choice. Go to MyF ortLibertyFCU.org/mma to learn more about FLFCU’s Money Market Account.

Supporting Our Communities Over the past quarter, we held a fundraiser for the United Way of Cumberland County, partnered with Support Military Families, organized a gift drive for Family Promise of Fayetteville, and contributed to relief efforts for those impacted by Hurricane Helene. Through our United Way campaign, FLFCU employees raised $8,000 from August to November through various events. With Support Military Families, we helped provide gifts to over 400 military spouses and their children. Additionally, we supported Family Promise of Fayetteville by donating Christmas gifts to 49 children. In response to Hurricane

Helene, FLFCU employees gathered donation items and placed them in bins for distribution by relief organizations. FLFCU also made monetary contributions to the Carolinas CU Foundation Disaster Relief Fund and several national and regional relief organizations.

Federally insured by NCUA.