BUILDING LIFETIME FINANCIAL PARTNERSHIPS

BUILDING LIFETIME FINANCIAL PARTNERSHIPS

800.950.7328 |

Great Rates. Lower Fees. Better Value.

800.950.7328 |

Message from the CEO

Welcome to Financial Partners Credit Union

For 80 years, Financial Partners Credit Union has been a preferred banking partner for many Californians. We take to heart the credit union movement ideals of being a not-for-profit, financial cooperative, where doing what's best for our members always comes first. You already know the value of banking at a credit union versus one of the `big banks' ? lower loan rates, higher savings rates, and less fees. But what makes Financial Partners different from other credit unions? We offer the latest and best access technology possible, but more importantly, we are passionately focused on service. We don't see our members as just numbers on a balance sheet. We strive to provide you with real value and the highest levels of service possible. You'll notice our use of iconic images of mountains and peaks. At Financial Partners, we position ourselves to help you climb the mountain of your financial dreams. We see it as our calling to help you conquer each summit, whether it's a checking account for your everyday needs, a credit card that helps you pay your bills, a car to get you to work, your first, trade-up or dream home, retirement planning, or even making that dream vacation a reality ? we are your partner, as you reach the apex of financial success. As we celebrate 80 successful years of service, we know we could not have done it without earning our members' trust. Members' support and engagement have helped us reach over $1.3 billion in assets, nearly 80,000 members, and over 20 branches across California from San Francisco to San Diego. We are here to build a lifetime financial partnership with you in your climb towards your financial success. Together, the possibilities are limitless. Welcome to Financial Partners Credit Union!

Nader Moghaddam CEO/President

800.950.7328 |

Checking & Savings

Financial Partners Credit Union (FPCU) checking accounts were built to provide our members greater value, with features like, Partnership Points on everyday purchases, eBanking with Bill Pay, Mobile Banking with Mobile Deposit, and free account alerts. Plus, with over 30,000 fee-free ATMs and 5,600 branches nationwide, accessing your FPCU checking account is easy and convenient.

PREMIER CHECKING ? Earn 1 Partnership Point for every $2 spent ? Earn dividends on every dollar on deposit ? Free FPCU-branded checks ? Free Credit Reviews ? No FPCU fees at any US or International ATMs ? Free with eStatements and a monthly Direct Deposit of $500 or more*

ACCESS CHECKING ? Earn 1 Partnership Point for every $3 spent ? Free Credit Reviews ? Free with eStatements and a monthly Direct Deposit of $300 or more*

STUDENT CHECKING ? Earn 1 point for every $3 spent ? Designed specifically for students and members 24 and younger ? Free with eStatements

EZ CARD An alternative account for those who don't want the hassle of balancing a checkbook.

? Simply reload the EZ debit card with funds as needed ? Impossible to overdraw the account

REGULAR SHARE SAVINGS A versatile account for everyday savings.

MONEY MARKET CHECKING Earns higher dividends, with check-writing privileges.

PREMIER MONEY MARKET SAVINGS Highest-rate, liquid account.

*Monthly fees on checking accounts will be waived when direct deposit is met, or a monthly average balance is met, or a combined savings, investment and loan balance is met.

800.950.7328 |

Card Access

Make sure you have uninterrupted access to your money for ATM and point-of-sale transactions. If you currently have a debit/ATM card and a checking account, your new Financial Partners Debit Card ATM or Debit card will be mailed to you. Activate your card on or after the date listed in your Key Dates insert. To activate your card and select your Personal Identification Number (PIN), call 844.801.5834 and follow the prompts. If you need assistance, please contact us at 800.950.7328. If you have a Credit Card with your former credit union, your new Financial Partners Mastercard Credit Card will be replaced. You will find details about the replacement and the change of terms notice in the front pocket of this brochure. At FPCU, you can monitor and access your credit and debit cards in a variety of ways, making your banking experience easier and more convenient. ? Download the FPCU Mobile App and access your checking accounts and credit cards

with ease. ? With FPCU Mobile, you can also enjoy the "Card Controls" feature:

? Report lost/stolen cards ? Order replacement cards ? Set travel notifications ? Make surcharge-free withdrawals at FPCU ATMs and over 30,000 CO-OP Network ATMs. To find an ATM, visit locations or download the FPCU Mobile App. ? You can get your debit card instantly issued at any of our branches.

800.950.7328 |

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