Our History

Fort Bragg Federal Credit Union is a not-for-profit financial cooperative owned exclusively by its members and regulated by the National Credit Union Administration (NCUA). Chartered on April 18,1960, we exist primarily to promote thrift amongst our members.

2018 Annual Report


Message from President/CEO

2018 proved to be record-breaking again for your Credit Union!  For the second consecutive year we approved and funded more loans than any other year in our history.  We invested heavily in digital channels, rolling out several mobile and on-line banking enhancements including external transfers and digital wallets (Apple, Google and Samsung Pay).   In August we launched Shared Branching, offering our members the ability to conduct transactions at over 5,700 credit union branches coast-to-coast.  We spent a considerable amount of time assessing our current facilities to identify opportunities to improve the branch experience for members and create operational efficiencies.  This resulted in our decision to move forward with three facilities projects.  At our Skibo Road location we will be constructing a new state-of-the art branch adjacent to our existing building and renovating the existing building for use as an operations center; both projects will be completed by the 4th quarter.  And just last month we began a complete interior renovation at our on-post Bastogne Branch.  We are targeting an April ‘19 completion date for that project.  2018 also marked another “first” in terms of giving back to our membership.  For the first time in our Credit Union’s history, we rewarded our most loyal members with year-end patronage dividends.  Almost 24,000 of our members—over 60% of FBFCU’s entire membership—received a Loyalty Dividend in early December.  Some members received the maximum amount ($500) and the total payout was $624,000.         

In 2019 we will remain focused on executing important initiatives aimed at improving services and increasing value and convenience for our member-owners.  You can expect to see additional mobile and online enhancements including internal and external payments, account openings, and a streamlined loan applications. Throughout the year we will add Credit Union ATM locations—both on and off post—to provide our members easier access to cash.  By mid-year, through an agreement with a new network, we anticipate opening up access to an additional 30,000 surcharge-free ATMs across the nation. Of course, continued loan growth will remain a top priority.  We fully understand the importance of providing our members with necessary funding for home and vehicle purchases and other essential needs.  We believe continued loan growth is one of the best indicators of member service!

We will continue to support our local communities and military families through volunteer service, sponsorships and financial support.  We have already pledged support to the following charitable organizations for 2019:  Family & Morale, Welfare & Recreation (FMWR), Fisher House, USO, United Way of Cumberland County, Purple Heart Homes, American Red Cross of the Highlands, Cumberland County Schools – Scholarships, Support Military Spouses, Friends of the Cancer Center at Cape Fear Valley Health Foundation, & Victory Junction Gang Camp. 

We provide exceptional financial services to our military and civilian members and the communities we serve.  We strive to deliver on this mission statement each and every day.  However, we also understand that our long-term success is dependent on our ability to continue to make meaningful improvements that are truly desired and valued by our members. Your feedback and suggestions are important to us.  Please share your thoughts with any member of our staff or management, or feel free to email me.

Thank you for your continued patronage and loyalty. 

Todd Kenthack, President/CEO


Our Mission

We provide exceptional financial services to our military and civilian members and the communities we serve.


Our Vision Statement

We aspire to be our members' financial institution of choice, wherever they may be.


Our Values

Trust... to earn it and keep it - this is our foundation. 
Commitment... we pledge to bring you our very best every day. 
Integrity... we will operate with honesty, fairness, and respect.