FBFCU 4th Quarter Newsletter 2025

FOURTH QUARTER 2025 Loop

In the

Lower your payment & save over $16,000! 5/5 Adjustable Rate Mortgage

Protect What Matters

Explore insurance options with Trustage.

FBFCU Pay by Text

Staff Spotlight

Easily make loan payments by text message.

Meet some of our shining staff members.

Use your phone for purchases! Mobile Wallets Made Easy

Learn how FBFCU is helping local communities. Supporting Our Communities

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IN THE LOOP

Lower Your Payments and Save Over $16,000 in the First 5 Years!

Smaller Payments, Big Savings

With our 5/5 Adjustable-Rate Mortgage (ARM) , you could save over $16,000 in the first five years compared to a traditional 30-year fixed rate mortgage. That’s because the initial rate on our 5/5 ARM is lower and we’re waiving the 1% origination fee. This means you’ll enjoy lower monthly payments, reduced closing costs, and greater savings over the life of your loan! Check out the comparison table below. This example compares the interest and origination fee costs for the first five years of a 30-year fixed rate mortgage at 6.00% with a 1% origination fee and a 5/5 ARM at 5.125% with no origination fee. Payments, costs, and savings are estimates; actual results may vary. $166 5-Year Cost $90,082 $73,979 $16,103 $300,000 Mortgage Payment 30-Year Fixed $1,799 5/5 ARM (30-Year Term) Savings $1,633 Did you know? Although a 30-year fixed mortgage sounds long-term, most homeowners don’t keep it for the full 30 years. The average length of homeownership is 8 years, and according to Freddie Mac, most homeowners refinance their loan or sell their home within 4 years. Why Choose our 5/5 ARM?

5/5 ARM Features

• StartRate Protection - Get the lowest rate if rates drop within 60 days before closing. • Stability - Rate only adjusts every five years, unlike many ARMs that change annually. • Flexibility - Ideal if you plan to refinance, sell, or expect income growth within the next 5-10 years. • Competitive Rates - We beat the competition every day. • Local Support - Step-by-step guidance from experienced mortgage loan originators.

Click the button below to speak with a Mortgage Loan Officer today!

Contact Us

Carrying a wallet can be cumbersome—but your phone can handle it for you. Mobile wallets like Apple Pay, Google Pay, and Samsung Pay let you store FBFCU debit and credit cards securely for easy payments. Simply open your wallet app, select the option to add a card, and enter your information. Use Your Phone to Make Purchases

Here’s why members are switching: • Quick & convenient • Widely accepted • Travel friendly • Secure & protected • Back-up for chip reader failures

With FBFCU Pay by Text , you can make loan payments of up to $2,000 from another financial institution—right from your phone. Simply enroll, receive a payment reminder text, click the link, and you’re done! Some fees and restrictions apply. Talk to a representative or click here to enroll today! Making a Loan Payment Is Now as Easy as Texting

You can set up your mobile wallet in minutes for fast, secure payments. Try it today! Click Here to learn more.

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Fourth Quarter 2025

Protect What Matters with Trustage Did you know Fort Bragg Federal Credit Union offers a full range of insurance options for members? Through our partnership with TruStage™, a trusted provider with nearly a century of experience serving credit unions, you can get coverage that fits your life and budget. Here’s what’s available:

•Auto & Home Insurance – Get discounted rates, 24/7 claims support, and coverage from top providers like Liberty Mutual. •Guaranteed Asset Protection (GAP) – If your vehicle is totaled, GAP helps cover the difference between what you owe and what insurance pays. •Mechanical Repair Coverage – Help protect against unexpected repair costs for your car—even after the manufacturer’s warranty ends. •Credit Life & Disability Insurance – Maintain peace of mind knowing your loan payments are protected if the unexpected happens.

Protect what matters most —explore insurance options at FortBraggFCU.org/insurance and find coverage that fits your life and budget. Staff Spotlight Fort Bragg Federal Credit Union is proud to honor our dedicated team and recognize our latest Employee of the Quarter winners. Jolene Wiliams Member Service Specialist Jennifer Shelton Marketing and Brand Ambassador

Jennifer is wonderful at her job here at FBFCU. She is a vital part of our Marketing Department, handling

We’re proud to recognize Jolene for her dedication and positive attitude. She consistently goes

every task with skill and efficiency. She’s a natural problem-solver, quick with solutions and always willing to share her knowledge. Jennifer’s positivity, generosity, and team spirit brighten every project, making her a truly deserving Quarterly Award recipient. We are proud to have her on our team.

above and beyond—whether on the teller line, at the front desk, or assisting members—always with a smile. Jolene answers questions and guides colleagues with patience and professionalism, exemplifying what it means to be an FBFCU employee. Thank you, Jolene!

Fall Home Improvement Loan Promotion Holiday Club Account Complete your home renovation this fall and save with our Fall Home Improvement Loan Promotion. During October, take 0.25% APR off your qualifying rate on Unsecured Home Improvement Loans up to $25,000 with terms up to 180 months. No home collateral is needed, so you’re not limited by your home’s equity. Click Here to learn more—applications must be submitted by October 31 st .

Strapped for cash during the holidays? A Holiday Club account helps you save year-round with deposits or payroll deduction. Your funds earn dividends and are available starting October 1st, with an automatic transfer to your Savings Account on December 1st. Need money sooner? Early withdrawals are allowed for a $5 fee. Click here to start saving for stress-free holidays.

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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 its commitment to helping local charities and the families we serve, showing our dedication to the communities we call home

Fort Bragg Federal Credit Union (FBFCU) donated $3,000 to the Army Fisher House at Fort Bragg, continuing its long-standing support of military families during medical crises. Part of the donation came through the AFFN Military Community Support Program, which funds organizations

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 COLUMBUS DAY Saturday, October 11 th Monday, October 13 th VETERANS DAY Tuesday, November 11 th THANKSGIVING DAY Thursday, November 27 th CHRISTMAS DAY Thursday, December 25 th

On August 14th, Fort Bragg Federal Credit Union joined the United Way of Cumberland County for their 2025 Annual Meal Packing Event. Our team helped assemble over 70,000 meals to support local families facing food insecurity. Two team members volunteered at the Crown Complex, measuring, sealing, and labeling meals for distribution to Cumberland County food pantries. We’re proud to help strengthen our community and look forward to contributing to a successful United Way campaign this fall. serving Service Members, Veterans, and their families. With this contribution, FBFCU’s total donations to the Army Fisher House have reached $9,000 in recent years.

We were proud to kick off the school year by giving back to our communities! Through our Back-to-School initiative, we provided school supplies and lunch boxes to two local schools, supporting nearly 500 students and teachers with the essentials they need to start the year prepared and confident.

In Memory of Willie M. Dickens

We are saddened to share the news of the passing of Willie Dickens, a beloved member of our credit union family. For 25 years, Willie served on the Board of Directors, the last 9 as its 1st Vice-Chairman. A proud U.S. Army veteran, and Liberty University graduate, he dedicated more than 30 years of service to his country. Willie will be remembered for his leadership, humor, impeccable style, and love for both his family and the Fayetteville community. He will be greatly missed by all who had the privilege of knowing him.

Federally insured by NCUA.