FBFCU 1st Quarter Newsletter 2026

FIRST QUARTER 2026 Loop

In the

Tuesday, March 17, 2026, 3:00 PM, at FBFCU Operations Center. Annual Membership Meeting

Staff Spotlight

Meet some of our exceptional staff members.

Earn a higher interest rate on your money. Advantages of a Money Market Account We distributed $1,500,000 in December to reward loyal members! 2025 Loyalty Dividend

Learn how FBFCU is helping local communities. Supporting Our Communities

Consolidate your debt and save money! Debt Consolidation Loan

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IN THE LOOP

Annual Membership Meeting

The Annual Membership Meeting for Fort Bragg Federal Credit Union will be held at 3:00 PM on Tuesday, March 17, 2026, 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 The Nominating Committee has nominated incumbents Brenda K. Britt, Philip B. Rutherford, and Tommy Byrd to fill three open positions on the Board of Directors in 2026. All members have an opportunity to have their name placed on the ballot by way of a petition signed by 1% of the members (364 signatures as of 09/30/25). 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 2, 2026, to the Secretary of the Credit Union, P.O. Box 70240, Fort Bragg, NC 28307. Supporting documents may be obtained by calling 866-793-5328, ext. 8233.

Statement of qualifications and information on the nominees:

2025 Loyalty Dividend

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 FBFCU 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. Philip B. Rutherford has been a member of the Credit Union since 2011, has been serving on the Board of Directors since 2014, and served on the Supervisory Committee for 2 years from 2011 to 2013. Mr. Rutherford is a retired Sergeant Major and served 26 years in the U.S. Army. He holds a Master’s degree from Webster University in Management and Leadership and a Bachelor’s degree from Northwest Nazarene University in Accounting and Business Administration. Tommy A. Byrd brings 41 years of Financial Management experience with the Department of the Army. He joined the FBFCU Board of Directors in September 2025. Tommy holds a Master of Business Administration with a concentration in Management and a Bachelor of Science in Banking and Finance from Fayetteville State University. He proudly served 32 years of active duty, culminating his military career as the European Theater Financial Management Sergeant Major before retiring in 2015. He currently serves as the Budget Officer for FORSCOM Headquarters.

For the eighth consecutive year, FBFCU has distributed this special dividend to recognize our most loyal members! This year, $1,500,000 was distributed on December 16th, with some members receiving as much as $500. Since 2018, we have given back nearly $7,400,000 in Loyalty Dividends to our members. Your decision to do business with FBFCU 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 FortBraggFCU.org/loyalty .

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First Quarter 2026

The Advantages of a Money Market Account

The primary advantage of a Money Market Account is its ability to offer more attractive interest rates than other savings accounts while keeping your funds easily accessible. The Money Market Account at FBFCU boasts a 3.00% 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 below for details.

Like other deposit accounts, the FBFCU Money Market Account is backed by federal insurance, providing coverage of up to $250,000 when held by the same owner(s). In addition, 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 toward a major purchase, such as a down payment on a home 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 FortBraggFCU.org/mma to learn more about FBFCU’s Money Market Account.

Product

National Average

Savings

0.40% 0.07%

Checking

48 month CD 1.24% *National Average rates are from FDIC at www.fdic.gov/resources/bankers/national-rates/ and are valid as of 11/17/2025.

Supporting Our Communities Fort Bragg Federal Credit Union is proud to support numerous charitable organizations and participate in community events through both corporate and employee donations, as well as volunteer efforts. This fall was filled with meaningful moments as we connected with our community and supported causes close to our hearts.

In November, we welcomed Veterans at all branch locations with a special appreciation gift in recognition of their service. Their courage and dedication inspire us every day, and it was an honor to show our gratitude in a small but heartfelt way. In December, we delivered breakfast to the

Cumberland County Sheriff’s Office as a token of appreciation for their around-the-clock commitment to keeping our community safe. We’re grateful for their service and proud to support those who serve others.

The month of October brought wagging tails and full hearts as we partnered with the Moore Humane Society for a pet adoption and supply drive at our Southern Pines branch. Thanks to generous donations from our employees and community members, we helped local animals find comfort, care, and their forever homes.

Our team also stepped out for the Walk to End Alzheimer’s—an inspiring event dedicated to raising awareness and funds for care, support, and research. We were proud to join thousands of others committed to creating a future without Alzheimer’s.

Together, these events reflect our ongoing mission to give back, uplift, and stay connected to the people and partners who make our community strong. We are always honored to support both military and civilian families across the communities we proudly serve.

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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

Staff Spotlight

Fort Bragg 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. Cassandra Mebane was named Employee of the Year, while Jolene Williams and Jakkia Anderson received the Star Performance Award. Congratulations to all our 2025 award recipients!

BRANCH HOURS Fayetteville, NC 28304 107 Brucewood Road Southern Pines, NC 28387 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 Post Office Box 70240 Fort Bragg, NC 28307 FortBraggFCU.org ABA #253175737 HOLIDAY CLOSURES NEW YEAR’S DAY Thursday, January 1 st BIRTHDAY OF MARTIN LUTHER KING, JR. Saturday, January 17 th Monday, January 19 th WASHINGTON’S BIRTHDAY Saturday, February 14 th Monday, February 16 th

Employee of the Year

Star Performance Award

Star Performance Award

Jakkia Anderson

Cassandra Mebane Member Service Specialist

Jolene Williams Member Service Specialist

Operations Support Specialist

Are you looking for a budget-friendly way to get out of debt faster? Consolidate your debt and save money by taking advantage of 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! To take advantage of this promotion, please call us at 800.79.FBFCU, visit one of our locations, or apply in online banking. Don’t wait! The promotion ends on February 28, 2026. Employee of the Quarter (Q3) Mitchell brings positivity, expertise, and dedication to every workday. Whether it’s software, hardware, or specialized IT requests, he quickly resolves issues and keeps colleagues informed. Beyond problem-solving, he empowers employees by teaching them how to handle technology independently, which helps reduce member wait times. His approachable attitude and willingness to help make him an invaluable asset to FBFCU. His knowledge, support, and team spirit are greatly appreciated!

Mitchell Cannon Information Systems Technician

Debt Consolidation Loan

Federally insured by NCUA.