A QUAR TERLY PUBLIC                                ...
10 Ways to Save More for Retirement
A Message from Larry Rowland, MBA
Your MEMBERS Financial Services Advisor

Tee Time!
                                                                                                            Pay ...
School Supplies for Afghanistan
Beginning April 1 through June 30, Fort Bragg FCU will     Include a thank-you message for...
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  1. 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 – 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 �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 62/46
  2. 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. 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. ___________________________________________________________ 62/46
  4. 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 ✁ 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. at 910.764.7560. They are eager to assist you in any way.