SUMMER 2013 UCHOOSE REWARDS earn points on your debit and credit cards MOBILE eDEPOSITS check deposit through your smartphone VISA PREPAID DEBIT CARD everyday, everywhere convenience 10-YEAR MORTGAGE own the house in a fraction of the time ENTERPRISE CAR SALES great value, great service SCAN THIS QR CODE WITH YOUR SMARTPHONE. DOWNLOAD THE SOFTWARE FROM YOUR FAVORITE APP STORE. NEW…EARN POINTS ON YOUR FBFCU DEBIT AND CREDIT CARDS WITH UCHOOSE REWARDS® More Choices, More Rewards! If you own a Fort Bragg Federal Credit Union Visa debit or credit card, you now have more choices - rewards for debit and credit purchases you can use for thousands of products or gift cards! With UChoose Rewards, you can earn points and redeem them at hundreds of national, regional, local and online retailers. And, by combining points for your credit card and debit card, you’ll be rewarded even faster. How Does UChoose Rewards Work? Use your Fort Bragg Federal Credit Union Visa Debit or Credit Card to start earning 1 point per $1 when you select “credit” and sign, or 1 point per $2 when you use your Fort Bragg Federal Credit Union Visa Debit Card and your PIN, for all your purchases. Plus, earn additional points by shopping at participating retailers in-store or online at www.uchooserewards.com. How to Get Started Redeem points for millions of items. You must register each card you have to begin earning points. Visit www.uchooserewards.com. A unique user ID is required for each card. Please select a user ID and password that are easy to remember but hard to guess. Register today at www.uchooserewards.com to begin earning your points. Then just shop and your points will accumulate. It’s that easy! The more you shop, the more points you earn! Rewards Registration Remember, earn even more points at participating retailers! Multiple debit cards on the same account will automatically be linked to your UChoose Rewards account; however, linking your debit and credit cards requires you to manually link the cards. Combining Cards Most rewards programs have limited options on where to shop, and it takes forever for your points to accumulate. UChoose Rewards changes all of that. With UChoose Rewards, you choose where to shop and what to get for all the points you earn. You have access to hundreds of retailers where you earn big rewards, and there are millions of redemption choices! Watch your points add up each and every time you shop with your Fort Bragg FCU Visa Debit or Credit Card. Plus, shop at participating retailers, and watch your points add up quicker. MOBILE eDEPOSITS Although we love when you visit our lobbies, we know making the trip to deposit a check isn’t always easy and convenient for you. With Mobile eDeposits, we may never see you again! • • • • Fewer trips to the Credit Union Safe and secure No need to mail checks It’s FREE! With your smart phone and our mobile banking app, it’s as easy as taking a picture of the front and back of the check and “depositing” in a few quick steps. To Register and Qualify* for eDeposits: • Log in to the FBFCU Live mobile app on your smartphone (iPhone or Android) • Click on the ‘Deposits’ tab • Follow the instructions • You will receive an email within one (1) business day with instructions to proceed Skip a trip to the credit union and deposit checks right from your smartphone. Deposit checks anytime, day or night - even weekends. Mobile eDeposits will save you time driving to the branch and money buying gas, but we will definitely miss your visits. Give Mobile eDeposits a try today.* *Qualifications: Must have FBFCU account for 90 days or more, at least 18 years old, have current line of credit, loan or $1500 in aggregate savings balances with direct deposit or overdraft privilege (ODP), valid phone number, email address and home address, be enrolled in PC Finance with ability to use the iPhone or Android mobile apps and must be a member in good standing (no delinquent or charged off loans, no more than 3 NSF’s in the last 90 days). Payment does not include taxes and insurance. ENTERPRISE CAR SALES DELIVERS GREAT VALUE AND SERVICE Enterprise Car Sales is part of Enterprise Holdings, a familyowned company that has the world’s largest fleet of passenger vehicles, more than one million cars and trucks. Through Fort Bragg Federal Credit Union’s partnership with Enterprise, our members get both a great price and great service from a reputable used car dealer, which is crucial in today’s tight economy. Enterprise has been offering no-haggle pricing on great quality late model used cars since 1962. With more than 130 locations and more than 5,000 vehicles in stock nationwide, including 120 makes and models, Enterprise offers the following on their vehicles: • 12-Month/12,000 Mile Limited Powertrain Warranty.** • Vehicle Certification • 12-Month Roadside Assistance*** • Free CarFax® Reports • 7-Day Repurchase Agreement** a great trade-in deal on your current vehicle, but Fort Bragg Federal Credit Union will finance your auto purchase from them at a rate as low as 2.99% APR.* (Restrictions apply.) For complete details of the Sizzling Summer Used Auto Sales Event, give us a call or contact the local Fayetteville Enterprise dealership at 910.426.4880. The local dealership is located at 5207 Raeford Road, Fayetteville, NC. *APR=Annual Percentage Rate. Rates as low as 2.99% APR for up to 60 months. Special rates available for loans up to 90% LTV (loan-to-value). First-time borrower rate is 5.99% APR. Financing for qualified Fort Bragg Federal Credit Union members. Not all buyers will qualify. Actual rate may vary based on credit worthiness. Offer valid only on Enterprise Car Sales vehicles. Offer valid 6/1/13 - 7/31/2013. ** Restrictions apply. For details, see an Enterprise Car Sales Manager. *** Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. And, you’ll never have to haggle about prices. Take advantage of the Enterprise “Sizzling Summer Used Auto Sales Event”, now thru 7/31/13. Not only is Enterprise offering BOARD OF DIRECTORS ELECTION RESULTS During the annual meeting held on March 12, 2013, the following incumbents were re-elected to serve a 3-year term. David A. Hunt, Carl A. Stahl, Burt A. VanderClute, II Congratulations! TRADE IN YOUR ATM CARD Now, you too can shop with Visa® PAY SCHEDULE Everyday, anywhere convenience in your hand! It’s Here! The Fort Bragg FCU Visa® Prepaid Debit Card • Use it like a regular credit or debit card • Take it to dinner. Use everywhere like stores, gas stations, movie theaters, malls, etc. • You control your spending by how much money is loaded on the card • Great teaching tool for teens! • Ideal for internet purchases – thieves can’t take your finances for a ride as the prepaid card can only be charged up to the value of the preloaded amount By having this control and gaining the spending power, you can start shopping now with a Fort Bragg FCU Visa Prepaid Debit Card! Apply today at www.fortbraggfcu.org. June 28 July 1 July 3 July 12 July 31 Aug. 1 Aug. 2 Aug. 14 Aug. 29 Sep. 3 Sep. 12 Sep. 30 Oct. 1 Oct. 3 Oct. 11 Army Active, Air Force Active, Active Allotments Retired and Retired Allotments Social Security* Mid month Army Active and Air Force Active Army Active, Air Force Active, Active Allotments Retired and Retired Allotments Social Security* Mid month Army Active and Air Force Active Army Active, Air Force Active, Active Allotments Retired and Retired Allotments and Social Security* Mid month Army Active and Air Force Active Army Active, Air Force Active, Active Allotments Retired and Retired Allotments Social Security* Mid month Army Active and Air Force Active * Some Social Security recipients will receive their payroll on Wednesdays throughout the month.) CAROWINDS AND KINGS DOMINION PRE-PLANNING FOR FUNERAL EXPENSES Funerals are a costly proposition. In the difficult times after losing a loved one, making prudent decisions can be rough. Whether you want to avoid this situation for yourself and your parents, or you want to spare your own children this worry down the road, pre-planning and pre-paying funeral expenses can be a sensible solution. The most important tip to remember is to address this purchase as you would other large purchases. According to eFuneral.com and based on over 1,000 surveys to funeral homes across the nation in 2012, the average burial funeral runs about $8600 and a cremation funeral about $3750. Take your time, do your homework, and walk away if the deal doesn’t feel right. • Ask for a complete price list of all services and products. • Shop several funeral homes in your area to compare prices. • Ask about package discounts. • Ask about pre-payment or cash discounts. • Know your rights with regard to caskets and cremation. By having these conversations now and making the hard decisions before the grief of a loss makes it too difficult, you will save yourself and family thousands of dollars in expenses and additional heartache. Visit www.consumer.ftc.gov and search for “Shopping for Funeral Services” for more information and helpful checklists to use in your planning. HOLIDAY CLOSINGS Thursday, July 4, Independence Day Monday, September 2, Labor Day Monday, October 14, Columbus Day theme park tickets are available at all branches until Sept. 6th. Tickets are $33 each. OWN THE WHOLE HOUSE IN 1/3 OF THE TIME We are proud to offer you our Fixed-Rate,10-year Mortgage for up to $100,000! Let’s make it simple: • Fixed rate of 2.79% APR* for up to $100,000 giving you an affordable payment • 10-year term that reduces the interest you pay over the loan period • Pay only $500 in closing costs saving you thousands up front • In 2023, you own it! So, what do you want to do for the next 10 years? Do you want to keep paying as you are now, slowly building equity yet paying more interest and still have 10 more years to go? Or, do you want to make it simple and own your home in 2023? It’s your choice! Call us at 910.864.2232 (local) or 1.800.793.2328 (toll-free) or stop by one of our branches to learn more about our affordable 10-Year Mortgage today. * APR = Annual Percentage Rate. Must be a FBFCU member. Max. loan is $100k. Single family, owner-occupied home used as a primary residence, Max. term 10 years, 2.79% APR is fixed rate, LTV = Loan-to-Value not to exceed 70%. No appraisal required, refinances only – no purchase money, $500 processing fee, property must be located in Cumberland County, NC or contiguous counties to be eligible for this program. Payment example: $100,000 loan, 10 year term, 2.79% APR, approximate monthly payment would be $956.05. Payment does not include taxes and insurance. Office Locations 4172 Hefner Drive Fort Bragg, NC 28310 Fax 910.960.0356 4020 Bastogne Drive Fort Bragg, NC 28307 Fax 910.436.1840 1638 Skibo Road Fayetteville, NC 28303 Fax 910.868.9313 7840 Raeford Road Fayetteville, NC 28304 Fax 910.487.5158 6300 Ramsey Street Fayetteville, NC 28311 Fax 910.482.3458 Telephone Numbers 910.864.2232 or 800.79.FBFCU (800.793.2328) Express Fax Line 910.487.8204 Website www.fortbraggfcu.org Mailing Address Post Office Box 70240 Fort Bragg, NC 28307 ABA #253175737 Branch Hours Monday & Friday 0800 - 1800 hours Tuesday, Wednesday, Thursday 0900 - 1700 hours Military Paydays Lobby: 0800 - 1800 hours Drive-thru: 0730 - 1800 hours Federally Insured By NCUA