FBFCU 4th Quarter Newsletter 2025

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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!

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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.