lowest

Financial Tips, Trends & Solutions SolutionsFinancial Partners is proud to team up with MasterCard to provide these valuable benefits to FPCU members at no extra charge. From cell phone insurance to extended warranties, there is no need to use any other card.

Use your Financial Partners Debit and/or Credit Card to enjoy these added benefits:

• Cell Phone Coverage – Simply pay your monthly cell phone bill with your FPCU debit or credit card and get free cell phone coverage up to $600 per claim (up to $1,000 per 12 months, $50 deductible per claim).

• Extended Warranty – Double the original manufacturer warranty up to a maximum of 12 months on items purchased with your debit or credit card.

• Price Protection – Make a purchase on your Financial Partners debit or credit card, see it somewhere for less within 60 days of purchase, you are eligible for reimbursement of the difference up to $250.

• Satisfaction Guarantee – Not satisfied with a purchase made with your Debit Card and the retailer won’t accept the item for return? You are covered for 60 days for a full refund up to $250.

• Purchase Assurance – Items purchased with your FPCU Credit Card are covered up to $1,000 if the item is damaged or stolen within 90 days of the purchase date.

To review this valuable program visit www.fpcu.org/fpcu-mastercard-benefits.

All claims for these benefits will be handled directly by MasterCard. To file a claim please contact the MasterCard Assistance Center at 800.627.8372 or call 800.633.4466 for assistance in Spanish.

New Benefits Added to FPCU Debit and Credit Cards!

Winter 2017

Events/Holidays

We Will Be Closed:

In observance ofNew Year’s DayMonday, January 2

M.L. King Jr. DayMonday, January 16

Presidents DayMonday, February 20

(ATMs, Bank-By-Phone, eBanking and FPCU Mobile are available to assist during all closures.)

Financial Consultants are registered with and securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

Financial Partners Credit Union and Financial Partners Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.

Not NCUA Insured No Credit Union Guarantee May Lose Value

TurboTax® Sweepstakes – Where will $25,000 take you? Try TurboTax® and save up to $15. Plus, be entered automatically for a chance to win $25,000!

•Get your maximum refund. Over 350 deductions and credits, so you won’t miss a thing.•Get a TurboTax CompleteCheck.TM Run a detailed review and walk through final changes before filing.•You’re never alone. Connect with an expert and get answers live, on-screen with TurboTax SmartLook.TM

Just try TurboTax Online for FREE by February 16th (and provide your email address) to be automatically entered in the TurboTax $25,000 Payday Sweepstakes. Go to www.fpcu.org/turbotax to get started.

TurboTax $25,000 Payday Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the fifty (50) United States or the District of Columbia, 18 years of age or older at time of entry, who are customers of participating Financial Institutions or employees of participating businesses. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/16/17. Subject to complete Official Rules and all applicable federal, state and local laws. For Official rules including odds of winning, alternate method of entry, and prize descriptions, visit the Official Rules. PRIZES: 1 Grand Prize: A check for $25,000. Retail value, $25,000. 12 First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $37,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22E, San Diego, CA, 92129.

State filing charges apply. Limited time offer for TurboTax 2016. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners.

q Get a Financial Fitness Checkup and Review Your Credit Report – Start a dialogue with your credit union representative about opportunities for you to save and ask us about free credit reviews for members. By finding and correcting errors, your credit score is likely to improve, which will give you access to better rates when you apply for loans. Visit your local branch or call us at 800.950.7328 to learn more.

q Check Your Insurance Coverage – Review your home, auto, life, pet and other insurance policies. This is a good time to make sure your insurance coverage really does meet your needs. FPCU Insurance Services, LLC offers plenty of options that might help you save on your insurance bills. Call us at 844.215.7866 to learn about your options and see how much you can save.

q Set Up Your Cell Phone Bill with Your FPCU Debit/Credit Mastercard to get free cellphone coverage and get up to $600 for damage or theft of your cellphone. Plus, you’ll earn extra Partnership Rewards points!

q Own or Remodel Your Home – Attend our home-buying seminars or speak with our Mortgage Loan Consultants to start the process of working towards yours goal of homeownership. Or if you’re already a homeowner and you’ve been thinking of updating your space, consider funding your projects with a Home Equity Line of Credit.

q Start or Review Your Retirement Plan – Meet with one of our financial consultants and start planning your retirement today. Open a Roth IRA and start saving 10% of every paycheck.

q Create an Emergency Fund – Establishing a savings plan will help you handle emergency expenses that pop up.

q Refinance Your Home Loan and Auto Loan – Interest rates are still low and it’s a great time to refinance your home or auto loan so you can lower your monthly payments and save money.

q Be Financially Fit – Take advantage of the Be Financially Fit modules and gain financial knowledge. By completing these quick and helpful modules, you may qualify for special offers.

q Set Up a College Savings Plan—for you, your kids, or your grandkids! Talk to a Financial Consultant about plans that will help you save for college quicker.

q Secure Your Financial Life – Protect yourself, your identity, and your finances with our low-cost Identity Care program. You can also sign up for eStatements to prevent identity theft and get your statements faster.

The Saver’s Checklist Wealth ManagementMember BenefitsStart the year with a COMPLIMENTARY financial review. Let us review your options and help you choose the best strategy to meet your goals for 2017.

Make an appointment with a Financial Partners Wealth Management Consultant. You’ll receive unbiased investment and retirement guidance.

Adam WassBeach Cities714.861.1682adamw@fpcu.orgCA Insurance License#0802260

Malcolm RoaneLA County562.904.4566mroane@fpcu.orgCA Insurance License#0C36172

Ronald HeathSan Fernando Valley818.595.8051rheath@fpcu.orgCA Insurance License#0662105

George T. AvilaOrange County714.978.5002gavila@fpcu.orgCA Insurance License#0C32760

Tom BarbourSan Diego County619.814.4066tbarbour@fpcu.orgCA Insurance License#0492896

EARN REWARDSfor everyday purchases! Introducing Partnership Rewards!

Partnership Rewards isn’t a “credit card rewards” program … It’s a Membership Rewards Program to thank you for participation in this financial cooperative!! Partnership Rewards is so easy! If you conducted a signature transaction with your Financial Partners Debit Card or your Platinum Rewards Credit Card in the last month, you are already earning points! Points earned with your debit and/or credit card aggregate so you earn rewards faster!

Partnership Rewards Gives You MORE!Redeem your card points for a variety of great rewards options: • Cash Back• Travel• Merchandise and more!

Earn Bonus PointsShop our exclusive network of more than 3,000 ShopSPOT merchants either through the ShopSPOT Online mall or in store. No sign up required! Just use your Financial Partners debit or credit card to earn bonus points!

Platinum Rewards cardholders also earn bonus points in the following categories:• Gas stations- 3X• Grocery stores and Utilities- 2X

Get Started Today!Financial Partners Debit or Platinum Rewards Credit cardholders are already enrolled. Login to eBanking or FPCU Mobile to watch your points grow! Don’t have a card? Open a Platinum Rewards Credit Card, spend $1,000 in 90 days and earn 5,000 bonus points!* Visit us online or call 800.950.7328.

*To receive the 5,000 points, you must be the primary cardmember and make purchases with your Financial Partners Rewards MasterCard that total $1,000 or more within your first 3 months from account opening. Qualifying purchases can be made by the primary cardmember and any additional cardmembers on a single card account. Purchases that meet the spending requirement do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler’s checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. To receive the 5,000 Points, your card account must be active, in good standing, and not in default at the time the points are credited to your card account. Limit one offer per card account.

10 Ways to Save in 2017a New Year’s Resolution Checklist for SaversIf saving money is one of your New Year’s Resolutions, your credit union is here to help you meet your goals. Use this checklist as a guide to help you along and find out all the ways you can save in the New Year.

Community News

Financial Partners kicked off our 80th Anniversary year in Downey where we began as the title sponsor of the 65th Downey Christmas Parade. FPCU employees and their families participated in the Parade (bottom) and joined more than 15,000 people in this year’s CHOC Walk at Disneyland. CHOC team organizer Karen Wilson and her daughter Jordin (a CHOC patient and California Children’s Miracle Network Ambassador), are seen smiling below left.

Annual Meeting and ElectionThe Annual Meeting of the Members of Financial Partners Credit Union will take place at 5 p.m. on Tuesday, April 25, 2017, at the credit union’s main office, 7800 E. Imperial Highway, Downey, California, 90242. At the meeting, three members of the Board of Directors and one member of the Supervisory Committee will be elected for three-year terms. The Nominating Committee has nominated the following individuals to fill these positions:

Board of Directors• Ralph Crowther – three-year term• Gary Macheel – three-year term• Yves Pinkowitz – three-year term

In addition, any member may seek nomination by submitting a petition signed by at least 500 members in good standing. Petitions must be addressed to the Secretary of the Credit Union at the above address and delivered or postmarked by midnight on February 10, 2017, at which time the nominations shall be closed.

Supervisory Committee• Steve Koester – three-year term

YOUR Credit Union in Action!

Convenient ServiCeSApply For Any Loan24 hours a day, 7 days a weekwww.fpcu.org

Co-oP Shared Branch1-888-SITE-CO-OP (888.748.3266)www.co-opsharedbranch.org

Mailing AddressPO Box 7005Downey, CA 90241-7005

BrAnCh oFFiCeSBrea2435 E. Imperial Hwy, Suite. FDowney - Main office7800 E. Imperial Hwy.Downey Gateway8274 Firestone Blvd.

LoAn PAyMent ADDreSSeSMortgage Payments Financial Partners Credit UnionPO Box 7168, Pasadena, CA 91109-7168

Consumer Loan Payments Financial Partners Credit UnionPO Box 841943, Los Angeles, CA 90084-1943

Credit Card Payments Financial Partners Credit UnionPO Box 841943, Los Angeles, CA 90084-1943

800.950.7328 | www.fpcu.org

BrAnCh oFFiCeS - cont.huntington Beach16348 Beach Blvd.

irvine 6608 Irvine Center Dr.

orange 1409 W. Chapman Ave, Suite A

San Diego -Mission valley8889 Rio San Diego Dr., Suite 100

South San Francisco365 S. Spruce Ave.

Whittier-Pih health12401 Washington Blvd.

Woodland hills6250 Topanga Canyon Blvd., Suite 1530

exPreSS ServiCeS oFFiCeS

Call 800.950.7328 or visit www.fpcu.org for hours and access information.

Sponsor Locations:

DeSoto | huntington BeachAliso viejo | newport BeachSeal Beach | el SegundoSan Diego vA | San Diego naval

For convenient credit union access, scheduled visits are also made to other facilities. Visit www.fpcu,org for details, or call 800.950.7328.

Net Worth . . . . . . . . . . . . . . . . . . . . 9.24%Total Assets . . . . . . . . . . . . $1.23 billionTotal Loans . . . . . . . . . . . . . $970 million

Convenient AccessFinancial Partners Members have access to more ATMs and branches than almost any bank or other financial institution. • 30,000+ surcharge-free ATMs

across the United States

• 5,500 surcharge-free ATMs in 7-Eleven stores across 30 states

• Over5,400 branches and 2,000 self-service locations nationwide through a shared-branch network

• eBanking Online account access at www.fpcu.org

• FPCUMobileBanking Download from your app store

• Bank-By-Phone 800.950.7328, press 1

Financial Highlightsas of 11/30/16

Credit Cards0% APr* intro rate on Purchases and Balance transfers 0% APr Intro Rate valid on all purchases and balance transfers. Promotional rates apply to first twelve (12) billing periods on new credit card accounts; balance transfers must be completed within 90 days of account opening. After promotion, Regular APr of 9.74%-23.49% will apply. Offer applies to all credit card types and tiers (except Share Secured). Subject to credit approval. Rates are variable and may change. Balance

Call toll-free 800.950.7328 for current rates or visit us online at www.fpcu.org.

Car Loans As low as 1.74% APr* Sample: $13,000 auto loan with 36 month term at 1.74% APR, resulting in a monthly payment of $370.90. Rates shown include 0.25% discount for automatic pay-ment from an FPCU checking or savings account. Rates shown are for highly qualified borrowers; rate received may be different based on credit history. Loans subject to borrower qualification, not all applicants may be ap-proved. Fees and charges may apply. Effective 12/15/16. Subject to change without notice. Conditions, restric-tions, and terms may apply.

Home LoansGo to www.fpcu.org for current rates.

*APR = Annual Percentage Rate.

Loan Rates