We hope this letter finds you well and you are enjoying the holiday season! As we approach the end of another successful year, we want to take a moment to sincerely thank you for your continued trust and loyalty to FD Community Federal Credit Union. You, our members, are the heart of everything we do, and we are truly grateful for the opportunity to serve you.

As a special way to celebrate the end of 2025 and show our appreciation, we are excited to share some great news! We will be TRIPLING our current dividend rate on Regular Share Savings Accounts for the 2025 Q4 year-end dividend. The 2025 Q4 year-end dividend will increase from 10 basis points to 30 basis points, putting even more value back into your savings.

At FD Community Federal Credit Union, your financial well-being is always our top priority. This year-end dividend increase reflects our ongoing commitment to helping you grow your savings while delivering meaningful benefits for being a valued member-owner of our credit union.

We remain dedicated to providing exceptional service, competitive products, and innovative solutions to support your evolving financial goals. Your feedback is always welcome, and our team is here to assist you with any questions or needs you may have.

Thank you again for choosing FD Community Federal Credit Union. We look forward to serving you in the year ahead and beyond. Wishing you and your loved ones a joyful holiday season and a happy, healthy, and prosperous New Year.

Please note: All FD Community branches will be closed on January 1, 2026, in observance of New Year’s Day. As always, 24/7 access is available through Online Banking, Mobile Banking, as well as any branch or AllPoint ATM.

Warm regards,

FD Community Federal Credit Union