Spring Newsletter 2026 April-June
Yorktown, Virginia Picture From:
In Appreciation of Our Members
At ABNB, I find myself coming back to our purpose often and at its core, it’s simple: taking care of you and the communities we call home. I’m continually struck by what it means to earn the trust of more than 76,000 members who choose us to be part of their financial journey. That trust means everything to me, and it’s something we work hard to earn each and every day - just as we’ve done since 1960. I also know that right now, many of you are feeling the pressure of a changing economy. From rising fuel and housing costs to the price of everyday essentials, it adds up and it impacts how you make decisions for your family and your future. That’s real, and it’s something we’re paying close attention to. As your credit union, we’re here to stand alongside you with steady, reliable solutions you can count on. You’ll see that commitment in the way we show up for our members every day. Our team is focused on keeping things simple, helpful, and accessible from digital tools that make it easier to budget and manage your money, to competitive rates on loans, mortgages, and home equity lines of credit, along with programs designed to provide relief when it’s needed most. Supporting local businesses is one more way we help make our neighborhoods stronger. At the same time, we’ve been working behind the scenes to make your experience with ABNB faster and more convenient. We recently launched the next phase of our Digital Assistant, AI Voice Plus, to help shorten wait times and answer your questions quickly when you call. We’ve also introduced near-instant access to funds through digital card issuance when you open a credit, debit, or HELOC account. These may feel small in the moment but make a real difference in everyday financial freedom. And for us, our commitment goes beyond banking. I’m proud to say that giving back is simply part of who we are. This past quarter, our team has been serving in the community teaching financial education at Christopher Newport University and Lakeland High School, and volunteering with organizations like the Foodbank of Southeastern Virginia and the Eastern Shore, ForKids, and First Landing State Park. We believe strong communities start with people showing up, and that’s something we’re proud to do. ABNB is also excited to bring a little extra value to your membership right now. As a thank you, we’ve secured exclusive perks, including discounts at Ocean Breeze Waterpark and Norfolk Tides games. I hope you and your loved ones enjoy making the most of those moments together. Looking ahead, my focus, and the focus of our entire team, remains simple: to continue delivering more personalized service, create more opportunities for you financially, and keep finding ways to make your experience easier. On behalf of our Board of Directors and everyone at ABNB, thank you for your membership and for the trust you place in us every day.
Charles A. Mallon Jr. President/CEO
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 2
Company NMLS #460140 ABNB FCU is an Equal Housing Lender
Digital Banking The New Wave of Security!
With new scams emerging almost daily, digital banking is one of the safest ways to manage your money. From checking balances to transferring funds and depositing checks right from your phone, everything you need is available in one secure app. With added layers of protection beyond traditional online banking or mailing, digital banking offers a safer, easier, and faster way to access and manage your finances.
FREE Digital Banking Service
Real-Time Alerts Receive instant notifications whenever a transaction is made on your registered card. This allows you to spot fraudulent activity as it happens and take action right away. Take control of your finances and stop fraud before it starts.
Download the Mobile App Get real-time alerts, check your balances, transfer funds, make loan and credit card payments, deposit checks right from your phone, and pay bills with ease. Plus, enjoy FREE e‑statements when you go digital.
Download the ABNB Mobile app and tap “Card MGMT” to get started today.
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 3
Company NMLS #460140 ABNB FCU is an Equal Housing Lender
A Lucky Day For Your Business!
Running a business takes flexibility and vision. That is why we partnered with Clover ® , a trusted leader in payments and business solutions, to support businesses of any size or industry with tools that adapt as you grow. Clover ® Merchant Services delivers scalable solutions that evolve with your needs. Whether you’re launching a startup or managing a large enterprise, Clover ® helps you stay agile with tools to manage sales, track inventory, and monitor team performance, all while streamlining payment processing so you can focus on what matters most. Smart, Scalable Solutions for Every Business Come to our Chesapeake Square branch on June 26 and Wards Corner branch on August 19 to learn more about what Clover can do for you.
Opportunities to...
Learn More
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 4
Company NMLS #460140 ABNB FCU is an Equal Housing Lender
Turn “Someday” into “Today”
At ABNB, we want to help make your dreams a reality . With the lowest rate in years, the Home Equity Line of Credit (HELOC) can turn plans into progress and save money. Whether you’re improving your home, wanting financial freedom, or finally booking that trip, we’re here to help change “someday” to “today.”
7-Year HELOC as low as 5.75%
APR*
With 12 and 17-year options available with great rates
Why ABNB Federal Credit Union?
Debt Consolidation Made Simple Combine high-interest debts into one easy-to- manage payment.
Home Upgrades Within Reach Tackle those renovations or improvements.
Interest-Only Payments for First 2 Years Enjoy lower monthly payments upfront.
Money at Your Fingertips in Minutes With Digital Card Issuance.
Fast Funding Get your money in as little as 5 business days.
Apply Today
*APR = Annual Percentage Rate. APRs are fixed rates with an LTV of 100% and will not increase during the life of the loan. Rates and terms subject to change without notice. Available to members with qualifying credit. Some restrictions may apply. Closing costs will be applied if you close the loan within the first two years. Interest may be tax deductible, consult your tax advisor.
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 5
Company NMLS #460140 ABNB FCU is an Equal Housing Lender
PAUSE. VERIFY. PROTECT. If they ask for a code, it’s a NO!
Protect Your Physical Mail! Even everyday mail deserves a little extra care, especially when it includes checks. Here are a few simple tips to help keep your mail and money secure.
We’ll never ask for your login or codes.
Fraudsters may pretend to be: • An ABNB Federal Credit Union employee • Zelle ® Support • A “trusted” contact
Secure Incoming Mail:
Be sure ABNBFCU has your most recent mailing address on file
ABNB Federal Credit Union will never ask for your login, online verification codes, or Zelle ® authorization codes.
Install a high-security, locked mailbox
Promptly retrieve mail
Utilize mail couriers free services to receive daily emails with images of your mail
Remember! PAUSE. VERIFY. PROTECT.
Get eStatements ! When you sign up for eStatements you avoid paper statement fees, plus, you’re helping cut down on paper waste
If you are unsure, always check by calling us at 757.523.5300 or 800.443.1141
Enroll Today!
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 6
Company NMLS #460140 ABNB FCU is an Equal Housing Lender
A Call Experience Designed With YOU in Mind!
When you call our Call Center, you’ll hear a new voice! From checking your balance to transferring money or learning more about your banking options, help is always within reach . Our Digital Assistant is fully conversational , giving you the experience of chatting with a live representative without waiting on hold . You can share what you need in your own words, ask follow-up questions, and get clear, timely answers. Our Digital Assistant can answer questions and guide you, and if needed, help you sign in quickly and securely. Want to speak with a live representative? You can connect with one anytime. We’re always here for you.
Updated Caller Experience
Self-service: Complete many tasks on your own.
Automated text support: Receive help through text messages to move things along faster. Easy login & Enhanced security: Digital Assistant features an easy way to access account information when needed with an enhanced verification process.
Request Your Free Appointment Today!
Learn More
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. ABNB Federal Credit Union and ABNB Financial are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using ABNB Financial, and are employees of LPL. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, ABNB Federal Credit Union or ABNB Financial. Securities and insurance offered through LPL or its affiliates are:
NOT INSURED BY NCUA OR ANY OTHER GOVERNMENT AGENCY
NOT CREDIT UNION GUARANTEED
NOT CREDIT UNION DEPOSITS OR OBLIGATIONS
MAY LOSE VALUE
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 7
Company NMLS #460140 ABNB FCU is an Equal Housing Lender
Your cards, your rules�with�controls�and�alerts
Always stay in control of when, where and how your cards�are�used
Locations – Opt to let your card work in certain regions or add an extra level of security by setting your card to work in the same location as your phone.
Merchant types – Enable or disable merchant type controls to specify which categories are approved for transactions.
Transaction types – Enable transaction type controls to approve categories like in-store, online, recurring, ATM and more, or disable to deny transactions.
Spend limits – Set spend limits per transaction. If a limit is set, transactions exceeding it will be denied.
Scan the QR code or visit my.abnbfcu.org/Authentication to learn�more sign up today.
Data rates may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google LLC. Copyright © 2026 ABNB Federal Credit Union. All rights reserved.
830 Greenbrier Circle Chesapeake, Virginia 23320 (757) 523-5300
Because of YOU , our impact is being felt throughout the community. Every donation provided food, education, support services and hope to thousands of our neighbors.
We want to say THANK YOU for helping uphold our mission to measurably improve the lives of families and children in the communities that we serve. We couldn’t have helped these nonprofits without YOU!
We SURPASSED our fundraising goal!
Watch The Impact
Turn it up and tune in because we hit the airwaves! In this interview, Melissa Rose, Vice President of Marketing and Business Development and Lisa Church, Vice President Retail Strategy, join Devin Tucker from Audacy to talk all things ABNB Community Foundation, from uplifting local nonprofits to creating meaningful impact across our community. Our Interview with
Listen Now
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 10
Company NMLS #460140 ABNB FCU is an Equal Housing Lender
In the Community From foodbanks and career fairs to school visits, business events, award ceremonies, and volunteering, ABNB Federal Credit Union remains committed to People Helping People. This promise guides everything we do, and we are proud to continue showing up for our community in meaningful ways. We hope to see you out there with us soon.
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