Guide to Home Buying Seminar

Brenda Spencer-Ragland brings over three decades of leadership and public service to her role as a licensed realtor, a journey she began in June 2020. Since entering the real estate industry, Brenda has been recognized as RE/MAX® Rookie of the Year and ranked among the top five agents in Oklahoma—testaments to her commitment, professionalism, and passion for helping clients achieve their goals.

Before transitioning to real estate, Brenda served as President and CEO of the Lawton Fort Sill Chamber of Commerce. During her 18-month tenure, she led the Chamber to earn a prestigious 5-Star Accreditation—an achievement not reached in the organization’s 100-year history.

Brenda retired from federal service after 33 years as a senior civilian with the United States Army. Her final role was Director of Family, Morale, Welfare, and Recreation (FMWR) Programs at Fort Sill, Oklahoma, where she managed a broad portfolio including Child and Youth Services, Army Community Services, Family Housing, Lodging, Barracks, and a diverse range of recreation and business programs. She was responsible for developing the organization’s vision, strategic goals, and operational policies on one of the Army’s most complex and multi-mission installations.

Brenda’s leadership experience, dedication to community, and proven track record of excellence uniquely position her to serve her clients with integrity, care, and a deep understanding of service.

Who should join?

• First-time homebuyers – Learn the step-by-step process and what to expect.

• Anyone planning to buy within the next 12 months – Prepare early and make informed decisions.

• Renters exploring homeownership – Understand the benefits of buying vs. renting.

• Anyone confused by the mortgage or closing process – Get clear, expert guidance.

• Individuals interested in local market trends – Stay updated on pricing, inventory, and timing.

  This seminar is ideal for anyone looking to buy a home with confidence and clarity.
  
  Registration

  Please note: seats are limited, so we kindly ask that you register only if you plan to attend the event.
  
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ESTATE PLANNING is for Everyone

Topics Include:

• Avoid risks of putting assets in children's names 

• Maximize inheritance for your children 

• Difference between a will and a trust

• Bypass probate to save time and money

• Maintain privacy of your estate

• Ensure protection in case of disability

Who should join?

• Parents

• Individuals with assets

• Those wanting to know the difference between wills and trusts

• People interested in minimizing estate taxes and probate costs

• Anyone concerned about potential disability

Space is Limited - Register Today!

FSFCU’s 69th “Virtual” Annual Meeting

We would like to invite all of our members to the 69th Virtual Annual Meeting.
The meeting will be held via Zoom.
Annual meetings play an important role in the overall governance of our credit union and we look forward to this event each year.

When you opened a savings account at FSFCU, you automatically became an owner, much like a shareholder of a corporation.
The Board’s responsibility is to oversee FSFCU and serve the membership with decisions that are based on the overall benefit and long-term direction of the credit union. 

You must RSVP by March 26, 2025 by 12:00 PM CST

“Come Play In The Streets!” Free event with Vendors, Games, Food Trucks, Contests and more!

 Building Credit & Different Lines of Credit

Unlock the Secrets to Financial Freedom!

Are you ready to take control of your financial future? Join our comprehensive seminar, "Building Credit & Different Lines of Credit," and learn the essential strategies to establish, improve, and leverage your credit.

In this seminar, you will discover:

• The Fundamentals of Credit: Understand what credit is, why it matters, and how it impacts your financial life.

• Building Credit from Scratch: Proven methods for establishing credit, even if you have no credit history.

• Improving Your Credit Score: Practical tips and techniques to boost your score and unlock better financial opportunities.

• Understanding Credit Reports: How to read and interpret your credit report, identify errors, and take corrective action.

• Navigating Different Lines of Credit:

• Credit Cards: Explore various types, benefits, and responsible usage.

• Personal Loans: Learn when and how to utilize personal loans effectively.

• Auto Loans: Understand the ins and outs of financing a vehicle.

• Mortgages: Gain insights into home loan processes and requirements.

• Lines of Credit: The difference between a line of credit and a loan.

• Debt Management Strategies: Develop effective strategies to manage debt and avoid financial pitfalls.

• Q&A Session: Get personalized answers to your credit-related questions from our experienced financial educators.

Who Should Attend:

• Individuals with no credit history.

• Those looking to improve their credit score.

• Anyone seeking to understand different lines of credit.

• Anyone wanting to improve their financial literacy.

Deadline to register is March 26, 2025 by 4:00 PM

FSFCU welcomes you to our Introduction to Credit seminar! We’ll break down key vocabulary, explain interest, and discuss credit scores, loans, and credit cards. Learn about the benefits and risks of credit to make informed financial decisions for your future.

RSVP by calling the Library at 580-581-3450 or email libraryevents@lawtonok.gov

Join FSFCU at the Lawton Public Library for an informative seminar on income taxes! We’ll cover the basics, including what income taxes are, how tax brackets work, and who pays taxes. Learn about essential tax forms, where tax money goes, and important due dates to help you stay on track this tax season.

RSVP by calling the Library at 580-581-3450 or email libraryevents@lawtonok.gov

The Identity Theft, Fraud, and Scams Life Skills Lab at the Elgin Community Library focuses on raising awareness and preventing identity theft, fraud, and scams. Participants will learn how to recognize common threats and take steps to protect their personal information from fraudsters.

For more information, call (580) 492-6650

Feeling overwhelmed by debt? You're not alone. Millions of Americans have successfully conquered their financial challenges.

Fort Sill Federal Credit Union will be hosting a seminar at the Lawton Public Library that will equip you with practical strategies to tackle debt head-on and pave the way for a brighter financial future.

Learn how to create a personalized debt repayment plan, budget effectively, and make wise financial decisions to achieve long-term financial stability.

RSVP by calling the Library at 580-581-3450 or email libraryevents@lawtonok.gov

Join us for a free seminar at the Lawton Public Library to learn how to protect yourself and your loved ones from common scams targeting seniors.

Fort Sill Federal Credit Union associates will discuss the latest scam tactics, provide tips on how to identify and avoid them, and offer advice on what to do if you think you've been scammed.

Don't miss this opportunity to empower yourself with knowledge and safeguard your financial future.

RSVP by calling the Library at 580-581-3450 or email libraryevents@lawtonok.gov

Topic: Fraud Awareness & Prevention. Protect Yourself and Your Money

UNFORTUNATELY THIS EVENT IS FULL. WE ARE NO LONGER TAKING RSVP’S.

Detective Brandon L. Becker has been employed by the Lawton Police Department for over 6 years. Becker is currently assigned to the Criminal Investigation Division where he primarily investigates fraud cases. Det. Becker has also served on the department’s S.W.A.T. Team, Field Training Officer, Physical Fitness Team and Honor Guard. Det. Becker currently holds certifications as a Nationally Certified Drug Recognition Expert. Det. Becker is a certified Council on Law Enforcement Education and Training (CLEET) basic instructor and has taught Report Writing, Standardized Field Sobriety blocks and Fraud Investigations in the department’s basic academy.

Trunk or Treat, Geico Gecko, Army Rock Band, crafts, Paws with Love Team, outdoor & indoor games, Fire trucks, MP vehicles, and so much more!

The Homeless Veterans Stand Down is designed to assist those Veterans that are homeless or those that are at risk of becoming homeless.  Veterans will have the opportunity to engage with and receive assistance from various federal, state, and local agencies, churches, and volunteers from all over Southwest Oklahoma.

Join Fort Sill Federal Credit Union at the United Way Success By 6 Family Empowerment Program. Their 2nd Annual BBQ Celebration is from 4:00 PM to 5:30 PM at 1116 SW A Avenue in Lawton. There will be food, fun and games for the whole family!