Www.financialpartnersfcu.org



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Grabill Office

13350 Country Shoal Lane

P.O. Box 540

Grabill, IN 46741

(260) 627-2111

(260) 627-6599 Fax

Woodburn Office

22440 Main Street

P. O. Box 125

Woodburn, IN 46797

(260) 632-4245

(260) 632-4109 Fax

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Partners in Your Financial Success TM.



January 2019

As we wrap up 2018, I wanted to express my gratitude to all of the members of Financial Partners FCU for a very successful 2018. In fact, it will be one of the best in our 53 years of existence. As of the end of November, our net income was $232,943 and we should finish even higher by the end of the year. It could not have been possible without YOU!

We are seeing modest growth in assets and deposits at just over 3.5% respectively. We are near $31 million in share accounts and $33.6 million in assets. While we saw a decrease in total loan dollars, we are not seeing as many distressed loans. And we thank all of you for making timely payments!

We enter 2019 with much optimism as there are exciting projects we will be working on for YOU. With our friends from Revenue Path Group, we will be working to establish a renewed vision for our credit union and its members. In order to do this we will be contacting some of you to provide input and answer surveys – we can’t do this project without the voice of our members.

As of December 2018, we are now able to provide the additional service of financing member home purchases – both residential and rental/second homes. We have partnered with Members First Mortgage to provide a vast array of mortgage products designed to fit all types of budgets. We will continue to also offer our refinance options for first and second mortgages at fixed rates—both closed-end and open-ended (ask us about our new Home Equity Line of Credit Product, the Finpar Flex-Line HELOC).

In the second half of 2019, we will be transitioning to an exclusive EMV chip card for our debit and credit cards. Your plastic card transactions will be more secure with this change while providing you with more reward options on your FPFCU credit cards.

And one more bit of great news…we will be working to expand our charter area in 2019. In conjunction with the Indiana Credit Union League, our board and I will be applying for charter expansion into three new townships – Perry, St. Joseph, and Adams. We feel that this will provide us with more opportunities to truly serve more consumers in the East Allen County area. In turn, ½ of Allen County will then have access to our member benefits.

Finally, I would be remiss if I did not mention the outstanding staff I am blessed with at each office. Our year has seen some turnover, but through it all we have maintained our commitment to being good stewards of your hard-earned money. Our staff members at Grabill are Angie Peters, Branch Mgr and COO; Charity Metcalf, loan officer and assistant manager; Natalie Schlatter, full-time teller; and Amna Razic, part-time teller. Our Woodburn staff includes: Tammy Nartker, Branch Manager and Chief Collections Officer; Angela Wagoner, Teller Supervisor; Gina Phlipot, MSO and Lender; Chanlar Myers, part-time MSO and Lender; Kim Heacock, full-time teller; Pamela Bacon, part-time teller; Nicole Lamott, part-time teller; and Kelly Kinney, part-time teller.

In closing, I would like to leave all of you with this Christmastime thought. The innkeeper missed his chance to see a historic birth, and King Herrod let his jealousy cloud his chance to see the Christmas miracle. However, the shepherds, Magi, and yes, even the animals in the stable, seized the opportunity to witness the birth of Jesus Christ. He is the reason for this season and year-round. I wish all of you a very Merry Christmas and prosperous New Year. Again, thank you so much for being members of Financial Partners FCU.

Holiday Blessings,

Dave Shuey, CEO

HOLIDAY CLOSINGS

Mon. Jan. 21, 2019

Martin Luther King, Jr. Day

Mon. Feb. 18, 2019

President’s Day

Fri. Apr. 19, 2019

Open 9:00 am – 1:00 pm

Good Friday

Sat. Apr. 20, 2019

Easter Weekend

STAFF MEETINGS

We will open at 10:00 am on the following days so we can learn to serve you better.

Wed. Jan. 9, 2019

Wed. Feb. 13, 2019

Wed. Mar. 13, 2019

NOTES FROM THE CEO

HOURS

Woodburn Branch Office

Monday – Friday

9 am – 5 pm

Drive-Thru Hours

9 am – 6 pm

Grabill Branch Office

Monday – Friday

9 am – 4:30 pm

Saturday

9 am – Noon

Drive-Thru Hours

Monday – Thursday

9:00 am – 5:00 pm

Friday

9:00 am – 6:00 pm

Saturday

9 am – Noon

IRA CONTRIBUTIONS

The deadline for your 2018 IRA contribution is April 15, 2019.

If you have any questions please call Angie at our Grabill Office.

What happens when someone writes you a check that is returned?

This question is often only answered after it happens to you. Financial Partners wants you to be aware of the risk involved when you accept a check for payment. If you deposit or cash a check that comes back to us as unpaid we have a list of procedures that will be followed:

• If the check is returned for NSF and is less than $500, the check will be resubmitted for a second attempt to collect. You will be charged a return item fee.

• If the check is returned for NSF and is more than $500, the check will be printed and you will be asked to choose if you want it to be resubmitted for a second attempt to collect or if you want the paper check so that you can collect yourself. Your account may be debited the amount of the check, and you will be charged a return item fee.

• If the check is returned for any other reason than NSF, the check will be printed and returned to you as unpaid. Your account will be debited the amount of the check and you will be charged a return item fee.

What is our NEW

Finpar Flexline HELOC?

This is our new Fixed Rate

Home Equity Line Of Credit.

It will include a five-year draw period with fixed repayment after 5 years based on the amount advanced at that time.

Please call or stop by either office and ask for a loan officer to learn more!

THIS YEAR WE’RE ADDING SOME HAPPY TO THE HOLIDAYS. Financial Partners FCU members get $100 per line in cash rewards for every new line activated with Sprint® — and, for a limited time, this offer is available for unlimited lines. Plus, you’ll receive $100 in loyalty cash rewards every year.

ALREADY A SPRINT CUSTOMER?

Current customers can take advantage of the $100 loyalty cash rewards offer every year starting one year after program enrollment.

C’mon and get happy!

Sign up today to enjoy the benefits of credit union membership with Sprint’s best Credit Union Member Cash Rewards offer EVER!

Become a Sprint customer and mention you’re a credit union member. Register at SprintRewards. Allow up to six to eight weeks to see cash rewards directly deposited into your credit union account.

Take advantage of this limited time offer today!

Visit Happy to learn more.

Save The Date!

National Credit Union Youth Month

April 2019

Financial Partners FCU is working with WestPoint Financial Group to offer:

▪ Life Insurance

▪ Long-term care insurance

▪ Disability Income Insurance

▪ Financial Planning for Individuals & Families

▪ Investments

▪ Mutual Funds

▪ Annuities

▪ IRAs

▪ Roth IRAs

▪ 529s

▪ & more

To schedule your consultation,

contact Andy Schnipke:260-436-9980 x3635

aschnipke@

Check the background of this investment professional on FINRA’s BrokerCheck. Andrew Schnipke is a registered representative and offers securities, investment-advisory, and financial-planning services through MML Investors Services, LLC member SIPC. 900 East 96th Street, Suite 300, Indianapolis, IN, 46240. Phone (317) 469-9999.

Financial Partners Federal Credit Union

is not an affiliate or subsidiary of MML Investors

Services, LLC or its affiliated companies.

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