Financial Tips, Trends & Solutions SolutionsBeat the Rate Increase! FPCU Can Help You Get a Low Rate and Affordable PaymentsAfter several years of low, low rates, the needle is beginning to move up on interest rates. But Financial Partners still has rates you can get excited about – with payments that won’t break the bank.

Solutions tailored to your needsA mortgage loan consultant is ready to help you find the loan that’s right for you. Whether it’s buying or refinancing, fixed or adjustable, we offer a wide variety of terms and solutions to put you in the home you desire.

Need help with your home search?Visit our Real Estate Center at www.fpcu.org for real estate listings, agent referrals and more. And be sure to get your preapproval online or call 877.404.3728. Let Financial Partners be your answer to home ownership.

APR=Annual Percentage Rate. Sample based on owner-occupied, single family residence; 5/1 Adjustable rate loan of $417,000; Years 1-5, Interest rate=2.500%; APR=3.166%; resulting in 60 monthly payments of $1,647.65. Years 6-30, Interest rate= 3.375%; APR=3.375% resulting in 300 monthly payments of $1,814.13. Loans subject to borrower and property qualifications, not all applicants may be approved. Rates shown are for highly qualified borrowers; rate received may be different based on credit. Fees and charges apply. Does not include taxes and insurance. Effective 12/24/2015; subject to change without notice. Conditions, restrictions & terms may apply. Available in all states except AK, HI, ID, MA, NH, NY and VT. Other terms available.

Winter 2016Holidays/Events

We Will Be Closed:New Year’s DayFriday, January 1

M.L. King Jr. DayMonday, January 18

Presidents DayMonday, February 15

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

As low as

3.166% APR*

ON HOME LOANS

How would you like an extra $1,545* in your pocket when you close on your next home sale or purchase? That’s the average rebate members receive when they use an agent from our HomeAdvantage™ network to buy or sell their home!

How does it work? Just use any agent in the HomeAdvantage network to buy or sell your home, and you’ll earn a cash rebate equal to 20% of the agent’s commission. You can apply it towards closing costs, take the cash outright, or as a seller, you can use it reduce your agent’s commission. It’s your choice.

How much can you save? Use the chart to the right to estimate your savings. The rebate is based on the total home price, not the amount mortgaged.

HomeAdvantage can help you through every step of home buying and selling—from start to finish: searching for homes, neighborhood research, agent referrals, rebates and support. Best of all, the program is absolutely free! To take advantage, simply enroll today. Visit www.fpcu.org/homeadvantage.

*The HomeAdvantage program is made available through a relationship between Financial Partners Credit Union (FPCU) and CU Realty Services. Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network of approved agents. Home buyers or sellers are not eligible for the rebate if they use an agent outside this network. Using FPCU for a mortgage is not a requirement to earn a rebate. Rebate amounts are dependent on the commissions paid to the agent. Rebate incentives are available in most states; however, are void where prohibited by law or by the lender. Ask for details.

Earn a Rebate When You Buy or Sell Your Home!

1Based upon a $25,000 auto loan over 60 months, Financial Partners CU rates outperform the Los Angeles Metro average earning a Datatrac Great Rate Award. ©Datatrac 2015.2Based upon a $10,000 share certificate over 12 months, Financial Partners CU rates outperform the Los Angeles Metro average by 105%, earning a Datatrac Great Rate Award. ©Datatrac 2015. 3Based upon a $25,000 money market over 36 months, Financial Partners CU rates outperform the Los Angeles Metro average earning a Datatrac Great Rate Award. ©Datatrac 2015.

Dear Valued Member, It is my pleasure to wish you and yours a Happy New Year! 2015 was a transformative year for your Credit Union as we continued to expand access, upgrade technology and broaden service offerings. We achieved several milestones with membership now exceeding 75,000 and assets topping $1 Billion. Physical access expanded with three branch locations in the San Diego area and an Express Service Office at Boeing in El Segundo. And, service

offerings now include a full-service insurance agency, FPCU Insurance Services, LLC, which offers auto, homeowners, renters and even pet insurance. We can help you find a new home or auto, finance it and insure it--truly your “one stop shop”.

Additionally, we originated more than $500 million in loans, increasing the total loan servicing portfolio to more than $1.5 billion. This means your Credit Union is helping more members drive away in their dream cars, move into their dream homes, go on vacation or shop with their credit cards and along the way save money with our great rates. For saving members we offer some of the best rates in the country and those interested in alternative investments receive some of the best offerings in the market. Our vision calls for “Building Lifelong Financial Partnerships” with you, our member-owners, and to that end we are committed in providing you the best value in borrowing and savings instruments you may need in your wonderful life’s journey!

Expert Advice – We continue to invest in our employees, providing them with the tools and training needed to ensure that they can provide expert advice, identifying the accounts and loans that can best help you achieve your financial goals. In fact, we have been transforming many of our branches into full-service financial advice centers. By centralizing teller operations, we ensure a consistent experience at every branch while allowing branch staff to focus on providing customized financial solutions to you and your family.

Better Rates, Great Value! – In 2015 your credit union was recognized with two awards that speak to the value we provide you, our members. One was the Great Rate Award from DataTrac, an independent research firm that tracks rates for over 5,000 banks and credit unions. Based on their research, Financial Partners loan and deposit rates significantly outperform the Los Angeles area average. This means members can save over $900 on an auto loan1 and, earn significantly higher rates on certificates2 and 40% more on a money market account3.

We also received the 2015 Member Benefit Top Performance Award, recognized as one of the top credit unions in the nation in providing value to members! Every year, the Credit Union National Association (CUNA) calculates the average overall benefit each credit union provides by evaluating their individual rates and fees, comparing them to those of national and local institutions. Through our low rates on loans, low fees, and high returns on deposits, it was determined that Financial Partners provides a direct benefit of $264 per member household.

Technology & Convenience! – Through an expanded branch network and greater focus on technology your credit union is more convenient than ever. In addition to the four branch locations added last year, we have two new locations opening soon to serve you in Irvine and Whittier.

For those who prefer self-service, we’ve added quicker login with fingerprint authentication and the ability to apply for an auto loan or credit card from the FPCU mobile app. We also offer faster payments with Apple Pay at participating merchants and will soon offer Android Pay and Samsung Pay! Of course, we continue constant fine-tuning of eBanking, FPCU Mobile and the website. And, with DocuSign, members can eSign loan documents from their laptop, tablet or smartphone, making funding a loan with Financial Partners easier than ever!

“Doing Good” in the Community – As much as we focus on helping our members do better financially, we also focus on doing good in the communities we serve. In 2015, we supported Children’s Hospitals of Los Angeles (CHLA), Orange County (CHOC) and Rady Children’s Hospital in San Diego by participating in fund raising efforts such as the CHOC Walk, International Miracle Day (donating $.25 for every debit and credit card transaction performed by our members), collecting holiday toys, selling CHOCO Bears and CHLA Christmas Ornaments and so much more! Special thank you to the members who participated in these very worthy causes. Together, we donated more than $55,000!

Additionally, we put our support behind more than 50 events to benefit our sponsor companies and community organizations. This includes donating $5,000 in scholarships to Boeing Leadership Assoc. of Southern California (BLASC) for the 17th year in a row, sponsoring the Columbia Memorial Space Center Rocket Days and the VA Stand Down event, supporting the Downey Police Department, Santa Fe Springs Fire Department, Downey YMCA and many more. We continue to believe in the credit union principle of “People Helping People” that drove our founders to establish this Credit Union almost 80 years ago.

Once again, the entire staff at Financial Partners wishes you and yours the very best of the New Year. Please call or come in and give us the opportunity to partner with you in meeting your financial goals and get the most value out of your membership. It’s a privilege to serve you!

Nader Moghaddam, President/CEO

President’s Message

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Just try TurboTax Online for FREE by February 18th 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. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/18/16. 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: One (1) Grand Prize: A check for $25,000. Retail value, $25,000. Ten (10) First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $35,000. 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-03-22H, San Diego, CA, 92129.

© 2015-2016 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax 2015. 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.

Where will$25,000take you?

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

Wealth ManagementCar Buying

Connected Cars Make Our Lives Easier In this brave new digital world we live in, wireless connectivity has spread from computers and smartphones to cars, homes and cities. “Smart” objects now communicate with one another to make life easier. The automotive industry is leading this surge with more than 23 million connected cars on the road today and projections for 152 million by 2020.

Today, connected cars feature advanced 3D navigation, automatic emergency calling when accidents occur and always-on mobile WiFi. They can automatically exchange information with other smart objects such as traffic lights to help reduce road congestion and improve navigation. They can also direct drivers to the nearest open parking spot and turn on the heat and stereo system before arriving home.

Until recently, updating connected car systems was expensive and time consuming, requiring a trip to the dealership. Now, consumers will soon be able to securely update wireless features via a mobile device app or website visit. The new “on-demand connectivity” solution makes it much easier to adopt new technology or instantly take advantage of special offers without additional service contracts or monthly invoices.

The best part is that providers offer cutting-edge data security ensuring personal information is protected. This allows all of us to trust in the connected cars and smart cities of the future.Courtesy of NewsUSA

Be Ready To Drive Off In Your New Connected Car – Get Preapproved TodayBefore heading to your specially selected dealership, remember to get your car loan preapproved. Rates are as low as 1.74% APR!* Go to www.fpcu.org or call 800.950.7328.

*See page 4 for loan details.

Start 2016 with a COMPLIMENTARY financial review. Financial Partners Wealth Management Consultants are ready to review your options and help you choose the best strategy for success.

Make an appointment and receive unbiased investment and retirement guidance. We can help!

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

Community News

Financial Partners Joins in the Downey Christmas ParadeThe 64th Annual Downey Chamber of Commerce Christmas Parade had special significance this year as it was dedicated to the memory of fallen Downey Police Officer Ricky Galvez. FPCU employees and their families joined with the community in bringing in the holidays. This year’s Grand Marshal was actor Ernie Hudson of Ghostbusters fame.

Annual Meeting and ElectionThe Annual Meeting of the Members of Financial Partners Credit Union will take place at 5 p.m. on Tuesday, April 26, 2016, 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. Additionally, one member of the Board of Directors will be elected for a two-year term. The Nominating Committee has nominated the following individuals to fill these positions:

Board of Directors• Barbara Smith – three-year term• Alan Bergman – three-year term• Donna Clawson – three-year term• Mario Guerra – two-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 12, 2016, at which time the nominations shall be closed.

Supervisory Committee• Caryn Phillips – three-year term• Vince Workman – two-year term

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

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 OfficesBrea2435 E. Imperial Hwy, Suite. FDowney - Main Office7800 E. Imperial HwyDowney Gateway8274 Firestone Blvd. Huntington Beach16348 Beach BlvdOrange 1409 W. Chapman Ave, Suite ASan Diego -Mission Valley8889 Rio San Diego Dr., Suite 100Woodland Hills6250 Topanga Canyon Blvd., Suite 1530

Express Services OfficesCall 800.950.7328 or visit www.fpcu.org for hours and access information.

Sponsor Locations:

DeSoto | Huntington Beach

Aliso Viejo | Newport Beach

Seal Beach | El Segundo

San 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 . . . . . . . . . . . . . . . . . . .9.73%

Total Assets . . . . . . . . . . . . $1.07 billion

Total Loans . . . . . . . . . . . . . $837 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

• Over5,300 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

Loan Rates

FinancialHighlightsas of 11/30/15

Credit Cards0%APR*onPurchasesandBalanceTransfers 0.00% APR 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 10.99%-21.99% 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 transfer fee of 3% or $10 (whichever is greater) applies.

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

Car Loans Aslowas1.74%APR* Sample: $13,000 auto loan with 60 month term at 1.74% APR, resulting in a monthly payment of $226.39. Rates shown include 0.25% discount for automatic payment 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 12/24/15. Subject to change without notice. Conditions, restric-tions, and terms may apply.

HomeLoansAslowas2.500%Rate/3.166%APR*See page 1 for sample payment.

*APR = Annual Percentage Rate.