Financial Partners CU (CA)

7800 Imperial Highway
Downey, CA 90242
562-923-0311
www.fpcu.org

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Financial Partners CU (CA) is headquartered in Downey and is the 43^rd largest credit union in the state of California. It is also the 263^rd largest credit union in the nation. It was established in 1937 and as of December of 2012, it had grown to 145 employees and 49,929 members. Financial Partners CU (CA) has a 5-star health rating.

Long-Term CD Rates At Financial Partners Credit Union In Socal (Forum) - 11/11/2010

Financial Partners Credit Union's long-term CD rates are not great, but they're competitive compared to what's available in Southern California. As of 11/11/2010: 2.05% APY 3-year CD & IRA CD, $100K min 2.35% APY 4-year CD & IRA CD, $100K min

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See Rates for: Checking | Savings | Money Market | CD | IRA

Financial Partners CU (CA) Checking Account Rates

	Apy	Min	Max	Product
	0.05%	-	-	Advantage Checking

Financial Partners CU (CA) Savings Account Rates

Apy	Min	Max	Product
0.20%	-	-	Christmas Club
0.20%	-	-	Add-On IRA
0.20%	-	-	Add-On Roth IRA
0.10%	$100	-	Share Savings

Financial Partners CU (CA) Money Market Rates

Apy	Min	Max	Product
0.40%	$250k	-	Premier Money Market Savings
0.30%	$100k	-	Money Market Checking

Financial Partners CU (CA) CD Rates

Apy	Min	Max	Product
1.50%	$100k	-	60 Month Jumbo CD
1.40%	$1k	-	60 Month CD
1.40%	$50k	-	60 Month Mini-Jumbo CD
1.40%	$500	-	60 Month Start-Up CD
1.25%	$100k	-	48-59 Month Jumbo CD
1.15%	$1k	-	48-59 Month CD
1.15%	$50k	-	48-59 Month Mini-Jumbo CD
1.15%	$500	-	48-59 Month Start-Up CD
1.05%	$100k	-	36-47 Month Jumbo CD
0.95%	$1k	-	36-47 Month CD
0.95%	$50k	-	36-47 Month Mini-Jumbo CD
0.95%	$500	-	36-47 Month Start-Up CD
0.75%	$100k	-	24-35 Month Jumbo CD
0.65%	$1k	-	24-35 Month CD
0.65%	$50k	-	24-35 Month Mini-Jumbo CD
0.65%	$500	-	24-35 Month Start-Up CD
0.60%	$100k	-	12-23 Month Jumbo CD
0.50%	$1k	-	12-23 Month CD
0.50%	$50k	-	12-23 Month Mini-Jumbo CD
0.50%	$500	-	12-23 Month Start-Up CD
0.45%	$100k	-	6-11 Month Jumbo CD
0.35%	$1k	-	6-11 Month CD
0.35%	$50k	-	6-11 Month Mini-Jumbo CD
0.35%	$500	-	6-11 Month Start-Up CD
0.30%	$100k	-	3-5 Month Jumbo CD
0.20%	$1k	-	3-5 Month CD
0.20%	$50k	-	3-5 Month Mini-Jumbo CD
0.20%	$500	-	3-5 Month Start-Up CD

Financial Partners CU (CA) IRA Rates

Apy	Min	Max	Product
1.50%	$100k	-	60 Month Jumbo IRA
1.50%	$100k	-	60 Month Jumbo Roth IRA
1.40%	$1k	-	60 Month IRA
1.40%	$1k	-	60 Month Roth IRA
1.40%	$50k	-	60 Month Mini-Jumbo IRA
1.40%	$50k	-	60 Month Mini-Jumbo Roth IRA
1.25%	$100k	-	48-59 Month Jumbo IRA
1.25%	$100k	-	48-59 Month Jumbo Roth IRA
1.15%	$1k	-	48-59 Month IRA
1.15%	$1k	-	48-59 Month Roth IRA
1.15%	$50k	-	48-59 Month Mini-Jumbo IRA
1.15%	$50k	-	48-59 Month Mini-Jumbo Roth IRA
1.05%	$100k	-	36-47 Month Jumbo IRA
1.05%	$100k	-	36-47 Month Jumbo Roth IRA
0.95%	$1k	-	36-47 Month IRA
0.95%	$1k	-	36-47 Month Roth IRA
0.95%	$50k	-	36-47 Month Mini-Jumbo IRA
0.95%	$50k	-	36-47 Month Mini-Jumbo Roth IRA
0.75%	$100k	-	24-35 Month Jumbo IRA
0.75%	$100k	-	24-35 Month Jumbo Roth IRA
0.65%	$1k	-	24-35 Month IRA
0.65%	$1k	-	24-35 Month Roth IRA
0.65%	$50k	-	24-35 Month Mini-Jumbo IRA
0.65%	$50k	-	24-35 Month Mini-Jumbo Roth IRA
0.60%	$100k	-	12-23 Month Jumbo IRA
0.60%	$100k	-	12-23 Month Jumbo Roth IRA
0.50%	$1k	-	12-23 Month IRA
0.50%	$1k	-	12-23 Month Roth IRA
0.50%	$50k	-	12-23 Month Mini-Jumbo IRA
0.50%	$50k	-	12-23 Month Mini-Jumbo Roth IRA
0.45%	$100k	-	6-11 Month Jumbo IRA
0.45%	$100k	-	6-11 Month Jumbo Roth IRA
0.35%	$1k	-	6-11 Month IRA
0.35%	$1k	-	6-11 Month Roth IRA
0.35%	$50k	-	6-11 Month Mini-Jumbo IRA
0.35%	$50k	-	6-11 Month Mini-Jumbo Roth IRA

Rates updated: 5/21/2013 * Not all products updated

Data for Q4 2012

Institution Statistics

FINANCIAL PARTNERS
NCUA #	68457
BankRate Report	View
Year Chartered	1937
Employees	145
Primary Regulator
Assets and Liabilities
Assets	$794.37 million
Loans	$537.62 million
Deposits	$671.19 million
Equity Capital	$71.69 million
Loan Loss Allowance	$7.56 million
Unbacked Noncurrent Loans	$2.99 million
Real Estate Owned	$449,000
Historic Data - December 2011
Assets	$740.37 million
Equity Capital	$65.28 million
Loan Loss Allowance	$8.82 million
Unbacked Noncurrent Loans	$5.53 million
Real Estate Owned	$1.88 million
Profit Margin - Quarterly
Net Interest Margin	4.01%
Return on Assets	0.74%
Return on Equity	8.2%
Interest Income	$26.26 million
Non-Interest Income	$11.97 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Financial Partners CU (CA) had $3.44 million in non-current loans and owned real-estate with $79.25 million in equity and loan loss allowances on hand to cover it. This gives Financial Partners CU (CA) a Texas Ratio of 4.34% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Financial Partners CU (CA) decreased significantly from 10.00% as of December 31, 2011 to 4.34% as of December 31, 2012, resulting in a positive change of 56.61%.This indicates that the balance sheet and financial strength for Financial Partners CU (CA) has improved significantly in recent periods.
Deposit Growth
In the past year, Financial Partners CU (CA) has increased its total deposits by $20.16 million, resulting in 3.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Financial Partners CU (CA) has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Financial Partners CU (CA) has $794.37 million in assets with $79.25 million in equity, resulting in a capitalization level of 9.98%, which is average.