1. ATION OF FOR T BRAGG FEDERAL CREDIT UN
A QUAR TERLY PUBLIC ION
FBFCU Mobile Banking Is Now Available … and FREE!
FBFCU Mobile is as user-friendly as PC Finance,
Not long ago, the only thing people kept in
their pockets was a wallet. Since the invention but now you have the option of using a Web-
of the cell phone, many consumers now carry enabled mobile device … anytime, anywhere.
FBFCU Mobile service is free, secure and allows
a small computer that allows them to make
calls as well as share photographs, listen to you to manage your accounts wherever and
music, film movies, organize their busy lives whenever you want.
and do their banking.
You must be enrolled in PC Finance to use
FBFCU Mobile. You can download the Tel-Info/
Access Your FREE FBFCU Mobile Now!
PC Finance form on our Web site and fax to us
With your wireless device, load the following
at 910.487.8204 or come in to see a Member
URL – m.fortbraggfcu.org. You will log in with
Service Representative at any of our convenient
the same account number and password as you
locations. While FBFCU offers free mobile access,
use with your current PC Finance account. With
members should consult with their cell phone
FBFCU Mobile you have secured access to a
provider for specific fees and charges for
variety of banking and payment services and
accessing the Web.
account access to your virtual branch anytime,
anywhere using your mobile phone, PDA or
For a list of mobile banking
other mobile device. Some of the secure access
features include: features, go to our Web site
at www.fortbraggfcu.org.
�Viewing account balances and history.
�Transferring funds between accounts.
�Paying bills electronically.
�Locating a nearby branch or ATM.
Visa® Alert!
Fort Bragg FCU was recently notified of a plastic card compromise
with a merchant card processor. We received Visa alerts that show
some Fort Bragg FCU card numbers and expiration dates may have
been compromised in this recent event. We have re-issued cards for
members that have reported unusual activity. Be assured that every
time a Visa alert is received, Fort Bragg FCU assesses the impact
it may have on our members and at this time we have not seen a
significant rise in fraudulent activity. This compromise did not occur
at Fort Bragg FCU nor did it involve any of our systems.
Please monitor your account consistently and if you see a suspicious transaction, contact us
immediately. If notified in a timely manner, you will not incur any losses. If you would prefer
to have your card(s) reissued, please contact us at 910.864.2232 or 800.793.2328, or visit
one of our five branches.
April 2009
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2. 10
10 Ways to Save More for Retirement
A Message from Larry Rowland, MBA
Your MEMBERS Financial Services Advisor
5
Meet Larry Rowland
Spend less now. If you’re not putting enough Your New MEMBERS
Feel you need to do a little extra to make sure
away for your retirement and don’t know where
your retirement savings plans are on track? Here
Financial Services
to find the extra cash flow, you may have to reset
are some simple, straightforward tips to help you
Representative
your priorities. For example, say you’ve got a $450
save more for your retirement years.
1
payment on your car or truck. You may want to
consider a less expensive vehicle to allow for $200
Put more dollars into your company’s 401(k)
A Message from the
more each month into your retirement savings.
or other savings plan. Remember, you can elect
6
MEMBERS Financial Services Program
to save up to $16,500 in 2009 (or $22,000 if
Since 1994, Fort Bragg Federal Credit Union
See a financial advisor and develop a
age 50 or over). Even if you can’t contribute the
has made available to you financial investment
retirement savings plan. According to the
maximum, at the very least contribute up to your
services through the MEMBERS Financial Services
2006 Retirement Confidence Survey from the
company match. Don’t give away free money.
2
Program located at the credit union. We are
Employee Benefit Research Institute (EBRI),
pleased to introduce Larry Rowland as the new
only 42% of workers have calculated their
Contribute to an IRA. If you qualify, the maximum
full-time MEMBERS Financial Services Represen-
retirement savings needs. This study also shows
you can contribute is $5,000 per year ($6,000
tative. Larry is looking forward to providing service
that those who have done this calculation have
if age 50 or over). In many cases, a Roth IRA
to Fort Bragg Federal Credit Union members.
more realistic goals and are saving more.
may be preferable to a traditional IRA, so look
7
into both options.
3
Larry has been in the financial services industry
Invest your savings appropriately. A big
for 14 years providing investment advice done
mistake is taking on too much risk or not taking
Pay yourself first. Each month, automatically
within the context of a thorough review of
enough. For example, 35-year-olds probably
deduct a set amount from your checking/share
each individual’s financial situation, goals and
shouldn’t be investing all their retirement savings
draft account and invest it for your retirement
risk tolerance. This allows recommendations
in fixed-rate, guaranteed investments. Make sure
(possibly to fund an IRA). After a while, you won’t
that are unique for each individual. Larry has
your retirement portfolio is diversified to get the
even miss it. Do this in addition to your company-
an MBA with a concentration in finance and
best balance of risk and return for your situation.*
sponsored retirement plan.
8
4
advanced training in asset allocation and funding
college education. He comes from Ameriprise
Commit to saving more. Try to calculate the most
Avoid dipping into your retirement savings – Financial Services where he helped clients with
you think you can put away for retirement … then
even if it’s for a good purpose like a home purchase retirement, education and estate planning and
add 10% to this amount. Now you’re getting com-
or education. Remember … it’s for your RETIRE- investment and risk management advice.
mitted. And you’ll never regret saving this much.
MENT. That’s why it’s called retirement savings.
9
The MEMBERS Financial Services Program is
Avoid cashing out your retirement dollars
a personal financial management service that
when you switch jobs. Instead, look at rolling
can help you identify your major financial goals
your savings to another plan or IRA to avoid
and objectives, analyze your current financial
unnecessary taxes and penalties.
10
situation and recommend alternative methods
to help you achieve financial security. With the
Start today. The earlier you start, the better the MEMBERS Financial Services Program, you
results. Even if you’re 22 years old and in your can have the tools necessary to manage your
first job, you won’t regret any of these moves. finances in the face of inflation, taxation and
Ready, set … GO! other uncertainties of life.
For help with your retirement dollars, contact Larry If you would like to set up an appointment with
Rowland, MBA, your MEMBERS Financial Services Larry, please call 910.487.7109. Larry’s office
Representative serving the members of Fort Bragg is located at the 1638 Skibo Road branch. There
Federal Credit Union, at 910.487.7109 for a no-cost, is no cost or obligation for the service … only a
no-obligation Retirement Planning Consultation. great opportunity to help yourself.
Today is the best time to get started!
* Diversification cannot guarantee a profit or protect against loss in a declining market.
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI),
member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 866.512.6109.
Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of
or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make
securities available to members. B2MM-0706-9704

3. Tee Time!
Pay Schedule
Support Fort Bragg Federal Credit Union’s
15th Annual Charity Golf Tournament! Apr. 1 Army Active, Air Force Active, Active Allotments
and Retired and Retired Allotments*
Apr. 3 Social Security*
Golf anyone? Fort Bragg Federal Credit participate in the golf tournament is $60 Apr. 15 Mid-month Army Active and Air Force Active
Union’s 15th Annual Charity Golf Tournament per person. This includes green fees, cart May 1 Army Active, Air Force Active, Active Allotments,
will be returning to the beautiful Cypress fees and dinner. The tournament is limited Retired and Retired Allotments, and Social Security*
Lakes Golf Course on Friday, May 22. (Maps to the first 120 paid entries, which must May 15 Mid-month Army Active and Air Force Active
available upon request.) This is a captain’s be received by May 8. June 1 Army Active, Air Force Active, Active Allotments
choice tournament. Registration will begin and Retired and Retired Allotments
at 11 a.m. and a shotgun start at noon. For more information about the tournament, June 3 Social Security*
call David Elliott, Tournament Chairman, at June 15 Mid-month Army Active and Air Force Active
910.864.2232, ext. 200, or fill out the entry
Participants may compose their own July 1 Army Active, Air Force Active, Active Allotments
teams of four for the captain’s choice form provided below and mail to: and Retired and Retired Allotments
format. Each player must report his or July 3 Social Security*
her handicap and/or average score and July 15 Mid-month Army Active and Air Force Active
Fort Bragg Federal Credit Union
each team must have an A, B, C and D July 31 Army Active, Air Force Active, Active Allotments
Attn: David Elliott, P.O. Box 70240
player. Individuals will be placed on teams Aug. 3 Retired and Retired Allotments, and Social Security*
Fort Bragg, NC 28307
according to their handicaps. There will Aug. 14 Mid-month Army Active and Air Force Active
be a putting contest and a longest drive
* Some Social Security recipients will receive their payroll on Wednesdays throughout
contest. Numerous door prizes will be the month.
given out and prizes will be awarded for
the first, second and third place teams.
Hole sponsors are also being solicited
at $125 per sponsorship. The cost to
Welcome Saturn of Fayetteville!
They have become the latest
dealership in Fayetteville/Fort Bragg
area to join our Credit Union Direct
Golf Tournament Registration (please print) Lending program (CUDL).
Name: ______________________________________________________
E-mail Address: _______________________________________________ Credit Union Youth Savings Week: April 20-24
Daytime Phone: Handicap or Average Score:
Kids … stop by this
Team Member Names: Handicap:
week and make a
1. ____________________________________________ ____________
deposit. Free gift to kids
2. ____________________________________________ ____________
(while supplies last).
3. ____________________________________________ ____________
4. ____________________________________________ ____________
Prepaid Entry 2008 Fort Bragg FCU
Make checks payable to: FBFCU Charity Golf Tournament
Employee of the Year
❑ Hole Sponsorship
Yulande Proctor
Hole sponsorships are $125 and include one free player entry
and tee box signage.
(Hole sponsors must prepay hole sponsorship fee.)
Carowinds/Kings Dominion
theme park tickets now
available at any branch.
Name as you would like it to appear on sign:
Cost is $28 per ticket.
___________________________________________________________
www.fortbraggfcu.org
62/46

4. School Supplies for Afghanistan
Beginning April 1 through June 30, Fort Bragg FCU will Include a thank-you message for soldiers, too. If
be collecting school supplies to send to our troops in you’d like to send a treat for the soldiers, please do not
Afghanistan. Why? Our troops are strongly requesting send chocolate at this time of year. It will melt. A CD,
this. Giving out the supplies enables our soldiers to DVD, box of cookies or other treats would be great.
Holiday Closings
62/46
build bonds of trust with the local people of Afghani-
Memorial Day – Monday, May 25
stan, which is so important for our soldiers’ safety. If you would prefer to make a small cash donation,
mail it to:
We need your help. Telephone Numbers
FBFCU Marketing Give us a call and we will
Or 910.864.2232 or 800.79.FBFCU
P.O. Box 70240 transfer your donation from
We know in order to make a huge impact in Afghani- (800.793.2328)
Fort Bragg, NC 28307 your account to the “troop
stan, we must ask you, our members, for help. Here Express Fax Line 910.487.8204
Attn: Troop Project project” designated account.
are the items we need:
Web Site
Drop Off Location
✁
www.fortbraggfcu.org
Into one plastic zip-lock bag (gallon size), please put: Drop off your filled zip-lock bag at any Fort Bragg
Office Locations
FCU branch location. We will have boxes set up in
�one 8 x 10” or 9 x 12” lined spiral notebook our lobby for collecting these supplies. Hefner Plaza
South PX Drive
�one pen
Fort Bragg, NC 28310
�two pencils Thank you for helping out tremendously for this
Fax 910.960.0356
�a pencil sharpener cause. Please contact our Marketing Department
�a small toy if you have any questions. Bastogne Drive
�a healthy treat, such as a fruit roll up or box Fort Bragg, NC 28307
of raisins Suggested Toys: Beanie babies, magic slates, coloring books, crayons, Fax 910.436.1840
markers, watercolor paint sets, small stuffed animals, Hot Wheels cars,
Frisbees, small balls, hair bows for the girls.
1638 Skibo Road
Fayetteville, NC 28303
Fax 910.868.9313
Now Is the Time
Now is the time to 7840 Raeford Road
to Buy or Refinance Fayetteville, NC 28304
purchase your dream Fax 910.487.5158
home and take
6300 Ramsey Street
advantage of the Fayetteville, NC 28311
Hello members! Interest rates are still at an all-time low. Now is the
new government tax Fax 910.482.3458
time to purchase your dream home and take advantage of the new
credit available to government tax credit available to homebuyers. A tax credit of up Mailing Address
homebuyers. to $8,000 is now available for qualified first-time homebuyers Post Office Box 70240
purchasing a principal residence on or after Jan. 1, 2009, and before Fort Bragg, NC 28307
Dec. 1, 2009. Unlike the tax credit enacted in 2008, the new credit ABA #253175737
does not have to be repaid.
Branch Hours
Monday & Friday
If you already own your own home, why not consider a refinance
0800 – 1800 hours
loan? With spring upon us, now might be the right time to look
around the house and decide if some improvements are needed. Tuesday, Wednesday, Thursday
With a cash-out refinance loan, you can not only lower your current 0900 – 1700 hours
interest rate, but also take some additional equity out of your home
Military Paydays
to make changes, improvements or additions. You could also take
Lobby: 0800 – 1800 hours
advantage of extremely low rates to reduce your loan term if you plan
Drive-thru: 0730 – 1800 hours
on staying in your home. 15-year rates are low enough that you may
be able to reduce your loan term while keeping your payment the
same as your 30-year loan. You could also save by simply refinancing
to a lower rate at the same term. Residential Mortgage Corporation, This publication does not constitute legal,
your credit union’s preferred mortgage lender, has several refinance accounting or other professional advice.
programs to suit your needs. Although it is intended to be accurate, neither
the publisher nor any other party assumes
liability for loss or damage due to reliance on
Call Debbie Zowe at the Skibo Road this material. Images may be from one or
more of these sources: ©Jupiterimages,
location at 910.487.8201 or Tammy
©Getty Images, ©iStock, ©SnapVillage.
Glover at the Raeford Road location ©2009 Priority Publications, Inc. priorityresults.com
at 910.764.7560. They are eager to
assist you in any way.