Frequently Asked Questions

Yes. All savings accounts are insured up to at least $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.

A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled by a Board of Directors elected by the membership. Each credit union member owns one "share" of the organization which entitles them to one vote on important issues, such as the election of member representatives to serve on the Board of Directors. The Board establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow money at reasonable rates at an institution which exists to benefit them, not to solely make a profit.

The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are not-for-profit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.

Our field of membership is open to active duty military, retired military, AUSA members, persons who live, worship, work (or regularly conduct business in) or attend school, businesses and other legal entities in Cumberland, Harnett, Hoke, Lee, Moore, Robeson, or Scotland County, NC. Dependents and immediate family members are also eligible for membership.

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Yes, it is true. The U.S. Department of the Treasury now requires federal benefit payments to be made electronically. Please go to GoDirect.org or contact us and we will be glad to assist you.

Your debit card is actually two cards in one. It works as an ATM card and can be used at any ATM or POS (point of sale) by using your personal identification number (PIN). It also works like a Visa card and can be used anywhere Visa debit cards are accepted. It is processed exactly like a Visa transaction except the money comes directly out of your checking account. The difference: For a VISA transaction, you will have to sign for authorization. For a POS transaction, you will be asked to enter your PIN.

During our business hours, call us at (910) 864-2232 or (866) 793-5328 to report a lost VISA debit or VISA credit card. After business hours, call (888) 373-5714. You may also contact any VISA merchant to report the card lost or stolen.

To activate your Visa debit card, you must call (888) 373-5714 from your home phone if you are in the U.S. within 2 months of receiving your card. If it has been longer than 2 months since you received your VISA debit or VISA credit card, contact Fort Liberty Federal Credit Union during business hours to find out how to activate your card.

If your VISA card is lost or stolen report it immediately, during business hours to (910) 864-2232, after business hours, call (888) 373-5714 or report it to any VISA merchant. Report any unauthorized VISA transactions to us in writing within 60 days after we sent you the first bill on which the error or problem appeared. Zero liability limit will apply provided you are not grossly negligent or fraudulent in handling your VISA card.

Yes. Your Fort Liberty Federal Credit Union VISA cards can be used anywhere VISA cards are accepted. However, due to an increasing amount of fraud and identity theft, Fort Liberty Federal Credit Union does not permit VISA transactions that take place in the certain countries. To get the list of off-limit countries, type VISA in the 'search' box and then click on your type of Fort Liberty Federal Credit Union VISA card. This list is constantly updated so please refer to it immediately prior to traveling or making international purchases over the internet. Be sure you take an alternate method of payment when you travel and notify us of your travel plans to include your current cell phone number. Providing us with your current cell phone number will allow our 24-hour fraud monitoring service to quickly reach you to investigate any suspicious VISA transactions.

You will not incur any fees if you use an ATM machine that is owned and operated by Fort Liberty Federal Credit Union. Fort Liberty Federal Credit Union currently has Iron Mike ATM locations on Fort Liberty and in Fayetteville for your convenience.

Yes. Through Online Banking, you can download account information to your computer for importing into Quicken or MS Money.

You may contact our Call Center via telephone at (910) 864-2232 or (866) 793-5328 or by fax at 910-487-8204 during business hours. You may also contact us by clicking here to send a secure email. If you like to chat with us during regular business hours click here.

Overdraft Privilege is a discretionary non-contractual service provided to our members. It is designed to help guard members against having their checks returned by the Credit Union.  There are fees associated with this service. Visit the Overdraft Coverage page HERE for more information.

Visit the Overdraft Coverage page HERE for more information.

You can immediately link to our Bill Payment Service after you log in to Online Banking.

Try to log in to Online Banking with any password and if it's incorrect it with give you an option to click on "I can't access my account”. Then follow the directions or hit the appropriate link on the right side of the page. Next, answer the questions to confirm your identity. Now enter a new password and reenter the password then confirm. Now you are ready to log in.

Yes. The privacy between you and our server is secure using Secure Sockets Layer (SSL) Encryption. Your browser uses random numbers called keys that are only known by the server and your browser. Once keys are established, your browser will use numbers to scramble, or encrypt, the messages you send. To make sure your browser is in secure mode, look for the secured lock symbol that is located at the bottom of your browser window.

Go to the Online Banking log in page. Enter your account number and password. Now click on the "Change Address" button. Your address will be updated in 1 to 3 business days.

Please send Fort Liberty Federal Credit Union a letter with your closure request, copy of your ID, and signature by mail, fax, or email. You will need to include the account number(s) of the account(s) that you wish to close. A signature on a previous statement and a copy of your ID are required to close an account.

Nationally, credit unions are among the most competitive vehicle lenders. We are not-for-profit, so we can focus more on member service by offering lower rates on loans.