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Two Great Locations to Serve You


									                                                    S Hareholder
                                                                                                                                    U.S. Postage

                                                                                                                                   Los Angeles, CA
                                                                                                                                     Permit #896

Events & Holiday Observances                                           A PUBLICATION FOR MEMBERS OF F&A FEDERAL CREDIT UNION • WINTER 2011/2012
Martin Luther King Jr. Day, Mon., January 16th
    Presidents’ Day, Mon., February 20th            P.O. Box 30831
   76th Annual Meeting, Sat., March 10th            Los Angeles, CA 90030-0831
        2625 Corporate Place                        1-800-222-1226
       Monterey Park, CA 91754
           13303 Hadley Street
            Whittier, CA 90601

           Mailing Address
                                                                          For Everyone in the Household at:
                P.O. Box 30831
          Los Angeles, CA 90030-0831
   Telephone Services Center
  Mon., Tues., Thurs., Fri. 8:00 a.m. - 5:00 p.m.
       Wednesday 9:00 a.m. - 5:00 p.m.
      (Telephone Banking 24 hours a day)
          Mobile Site:
       iPhone and Android Apps Available

                                                     Two Great Locations to Serve You
             CU Service Federally Insured
              Centers      by NCUA                   We are very proud to welcome Whittier Municipal
                                                     Employees Federal Credit Union (WMEFCU) to F&A.
                                                     WMEFCU is a great complement to our Credit Union,
    2012 Board Election                              and this merger will help us grow and continue to
  The call for candidates came to a                  improve our financial solutions and services for you,
  close on November 30, 2011. There                  our members.
  will not be an election this year                  We look forward to a great future together!
  as only three candidates filed for
  nomination with three positions                    Monterey Park Location:
  available. As per our bylaws, an
  election is only required when
                                                     2625 Corporate Place
  there are more candidates than                     Monterey Park, CA 91754
  vacant positions.                                  Hours: Mon-Fri: 9:00am – 4:00pm
  Three incumbent board members
  will retain their positions and
                                                     Whittier Location:
                                                     (Formally Whittier Municipal Employees FCU)
  serve a three-year term.
                                                     13303 Hadley Street
              They are:                              Whittier, CA 90601
         William Blackburn                           Hours: Mon, Tue, Thu, Fri: 9:00am – 5:00pm
          Chris Bundesen                                          Wed: 10:00am – 5:00pm
           Michael Idol
                                                 S Hareholder               A PUBLICATION FOR MEMBERS OF F&A FEDERAL CREDIT UNION • WINTER 2011/2012

 A Branch in Your Pocket!
 F&A is Everywhere You Are with Mobile Banking Solutions
                                                                                                 Have you checked out our mobile banking solutions yet?
Mobile Banking Features:                                                                         Now you can bank how you want, when you want with
•	 Accounts You can check your                                                                   F&A’s FREE* Mobile Banking Solutions.
  account balances including loans
  and view account history directly
                                                                                                 To download the iPhone or Android App, go to the iTunes
  from your phone.                                                                               Store or the Android Market and search FAFCU. Once
                                                                                                 you have downloaded the App, login using your Home
•	 Transfers F&A’s Mobile Banking                                                                Banking member number and password.
  solutions make transfering funds
  between your accounts, loans or other                                                          Have a web-enabled phone but don’t want the App?
  member's quick and easy.
                                                                                                 You can see your accounts through our Mobile Browser by
•	 Bill Pay When away from your                                                                  entering on your Internet browser.
  computer, it's a great way to pay your
  bills on the go. (You must be an eBill Pay user
  in Home Banking to access)

•	 Rates View our current great rates to
  compare on the go!
•	 CO-OP ATM & CU Service Center
   Locators Access our easy-to-use
  locators to find a surcharge-free ATM
  or Shared Branch near you.
•	 Text Banking It's never been easier to
  check your share account balances,
  view share account history and transfer
  funds between your share accounts.
  Do it all with a simple text!

                                   No Smartphone?
                                   That’s okay! We have Text Banking** too. Just sign up for Text Banking
                                   in Home Banking and you will soon be able to start sending commands
                                   to get share account balances, short transaction history or share-to-share
                                                                                                                                                 anc !
                                                                                                                                               Br ble
                                   transfers within your account.
                                                                                                                                           ie aila Page
                                   For additional questions, just visit our website

                                                                                                                                        itt Av ack
                                   at or call us at 1-800-222-1226.
                                   * F&A does not charge a fee for members to use any of our Mobile Banking solutions.
                                   Standard wireless text messaging & data rates may apply. Check with your wireless carrier.
                                                                                                                                      W W On B
                                                                                                                                  ur NO tails
                                   ** Some features not available in Text Banking.

                                                                                                                                 O s De
 WWW.FAFCU.ORG • 1-800-222-1226                                                                                                     i
     One Card-One                                                                   Words From the Chairman
   Payment... And A
                                                                                                        We     are    now     over                                                      provide true value to its members. Whether
   Low Interest Rate!                                                                                   four years into one of                                                          you or a family member are looking for a
                                                                                                        the worst economic                                                              new financial institution or just want to
At F&A, we understand that                                                                              downturn since the Great                                                        evaluate your current financial institution,
making minimum payments to                                                                              Depression. When will                                                           make sure that you do your homework and
multiple credit card companies                                                                          it all end is anybody's                                                         make sure that you compare.
can be stressful, costly and take                                                                       guess, but the “experts”                                                        There are many reasons that we perform
forever to pay off at a higher                                                                          have opined that it could                                                       so well. We are a very efficient operation, in
interest rate. It’s time to simplify                                                Jesus Burciaga      last years or may start to                                                      fact one of the most efficient in the country.
your life and consolidate them                                                                          turn around by late 2012                                                        Our operating costs are one of the lowest
to one card—one payment. We                                                         or 2013. The fact is no one really knows.                                                           and we limit risks in both our lending as well
offer two credit card programs                                                      What we do know is that the financial                                                               as the investment of funds that we do not
that let you pick the feature that is                                               condition of F&A remains very strong.                                                               lend to our members.
most important to you. F&A’s Low                                                    We also know that in times like this the                                                            But most of all, we recognize that we are here
Rate VISA® offers a variable rate as                                                strength of your financial institution                                                              to serve our members. In a recent analysis
low as 7.90% APR* or earn bonus                                                     is more important than ever. Weaker                                                                 performed by the Raddon Financial Group,
points towards cash, travel and                                                     financial institutions will pay less for your                                                       we received the highest rating for their
gifts with our Rewards VISA® with                                                   deposits and charge more in fees or                                                                 calculated “Member Value Score” of any
a variable rate as low as 8.90% APR.                                                loan rates.                                                                                         surveyed credit union. This score quantifies
Tired of paying                                                                     F&A has total reserves and equity in excess                                                         an organization’s benefit to its members.
those high-                                                                         of 14%. This is far greater than required                                                           This analysis also measures an organization’s
                                                                                    by law and is actually one of the highest                                                           financial stability, participation by its
interest rates?
Then it’s time to
                                                                                    capital ratios of any financial institution in                                                      members and the earnings returned
consolidate them into an                                                            the country. F&A has an ongoing strong                                                              to members.
F&A VISA® Card. Visit us                                                            and consistent bottom line, producing net                                                           Our goal has always been and continues to
at for rates                                                          income that exceeds most other credit                                                               be, to provide the best possible return to
and program details or call us                                                      unions. F&A is consistently ranked as a                                                             our members and at the same time assuring
at 800.222.1226.                                                                    top-performing credit union by outside                                                              a safe and secure financial position for our
                                                                                    companies such as Weiss Rating, Bank Rate                                                           Credit Union. Our entire staff is very proud
   Both programs offer:                                                             and Bauer Financial. We also receive the                                                            to serve our membership at this high level.
   •	 Competitive low variable rates                                                highest ratings from our federal regulatory
   •	 Credit lines ranging from                                                     body, the NCUA.                                                                                            On behalf of all our Volunteer
      $500 up to $25,000                                                                                                                                                                   Officials and Staff, I wish you a happy
                                                                                    All these factors point to a strong, efficient
   •	 21-day grace period                                                                                                                                                                        and prosperous New Year.
                                                                                    organization and one that continues to
      (Purchase Only)
   •	 No Annual Fees
   •	 No Cash-Advance Fees                                                          A New Year…
   •	 No Balance-Transfer Fees
   •	 No Over-Limit Fees
                                                                                    A New Beginning
   •	 Free Overdraft Protection                                                    We all want to achieve certain financial
   •	 No-cost Fraud Protection                                                     goals in our lives, but knowing where to
      with $0 deductible                                                           begin isn't always easy. Our Investment
                                                                                   Center available through CFS* can help
*APR= Annual Percentage Rates.
Rates are subject to change without notice and terms and conditions
                                                                                   you get a fresh start with a comprehensive
apply. Rates are accurate at time of publication. Your actual rate is deter-       financial management program designed
mined by your FICO Score and Visa Card type.                                                                                                                                           No one plan for investment is ideal
                                                                                   exclusively for you. Since everyone's
                                                                                   financial needs are different, you need                                                             for everyone. Your portfolio should be
          Free Estate                                                              to determine if your goals are realistic. To                                                        tailored to your individual financial needs,
       Planning Seminar                                                            begin the investment process, consider                                                              risk tolerance, and be flexible enough that
                                                                                   the following:                                                                                      it can be modified as you get older and
  Avoid probate, minimize estate                                                                                                                                                       your needs may change.
                                                                                   •	How much money will I need?
taxes and protect your loved ones.                                                 •	When do I need the money?                                                                         Our CFS* Financial Advisor, Howard Wess at
Where: F&A Federal Credit Union                                                    •	What type of performance do I expect from                                                         FAFCU, can help you develop a personalized
       2625 Corporate Place                                                          my investment?                                                                                    financial plan that fits your needs and lifestyle.
    Monterey Park, CA 91754                                                        •	What is my tolerance for investment risk?                                                         For your free, no obligation consultation,
When: Tuesday, January 24, 2012                                                    •	Am I adequately insured?                                                                          call 800.222.1226 ext. 5940 today.
         10 am and 2 pm
                                                                               *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products
      For reservations, call                                                   offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal.
     800.222.1226 Ext. 5236                                                    Investment Representatives are registered through CFS. F&A Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
Real Estate Rates Remain Historically Low                                                                                Looking For
                                              While other institutions are facing
                                                                                                                         A Fresh Start
                                              lending difficulties, at F&A, we remain
                                              strong and able to offer a variety of                              Your Credit Union has partnered with
                                              Real Estate loans that may save you                                BALANCE, a financial fitness program
                                              thousands. Whether you’re looking to                                that provides information to help
                                              shorten your term, lower your payments,                                   you achieve your goals.
                                              or save money by refinancing your                                  BALANCE provides F&A members with
                                              mortgage, we can help ease the loan                                comprehensive, professional assistance
                                              process. With our great rates, it’s easy to                          with all aspects of personal finance.
                                              find a loan that fits your needs.                                        You can access these free,
                                              We also offer a great Home Equity                                     confidential financial counseling
                                              Line of Credit (HELOC), this variable                                     services six days a week.
                                              rate line of credit, allows you to access                          BALANCE counselors are available:
                                              the funds at any time, for any purpose:                            Monday - Thursday: 5 a.m. - 8 p.m. (PST)
                                              remodeling, buying a car, going on                                      Friday: 5 a.m. - 5 p.m. (PST)
                                                                                                                    Saturday: 8 a.m. - 5 p.m. (PST)
                                              vacation or paying for education. Why
                                              not put the equity in your home to                                      For more details, visit us at
                                              work for you and possibly even get a                             or call a
                                              tax break.*                                                           BALANCE counselor toll-free at
                                                                                                                   888.456.2227 and let them know
                                              For current rates and terms,
                                                                                                                   you're a member of F&A Federal
                                              visit us at or call                                             Credit Union.
                                              800.222.1226 ext. 5993 for more
                                                                                                                   76th Annual Meeting
                                              *Contact your tax advisor to discuss your particular situation.         Dinner Dance
                                                                                                                   Join us as we celebrate with a

F&A's Your Destination                                                                                                  Mexican Fiesta!
                                                                                                                   The affair is caliente and sizzling
For A Great Auto Loan                                                                                                      with excitement!

Did you know your Credit Union still
offers some of the lowest auto loan
rates of any financial institution? Now is
a good time to take advantage of huge
savings, whether you're purchasing a
new or used vehicle. We can even save
you money by refinancing your current
loan from another financial institution.
Take a look at these great rates:

 Loan Type                 as low as                                                                               Crown Plaza/Commerce Casino
                                                                                                                    Date: Saturday, March 10, 2012
 New Auto Loans            1.99% APR*
                                                                                                                        Time: 4:00 - 11:00 p.m.
 Used Auto Loans           2.25% APR*                                                                                Dress Attire: Festive Casual
 Used Auto Refinance**     2.99% APR*                                                                                  Deadline: March 2, 2012
                                                                                                                      Tickets: $35.00 per person
And, with Autoland, our free in-house                                                                                Includes: Reception, Mexican
                                                                                                                     Buffet, Entertainment, Dancing,
auto-buying service, you get the                                                                                              Gifts and Prizes!
selection of a dealership at a great price.   For additional details visit
Shop for your next new or used car from                                                                           We are sensitive to your dietary needs,
                                              or call us at 800.222.1226                                                advance notice required.
the convenience of your home or office.
Simply log on to and            * APR = Annual Percentage Rate. Additional terms and conditions      Make your reservations early!
                                              may apply. Rates and terms subject to change without notice.
click on the Autoland banner or call your                                                                                  Call 800.222.1226
                                              **Refinance from another institution (no private parties or F&A
Autoland Consultant, Jorge Rivas, at          loans) up to 110% high blue book value, with minimum loan amount         Olivia Ortiz - Ext. 5212 or
800.222.1226 ext. 5923 today!                 of $10,000.00. Additional terms and conditions may apply.
                                                                                                                        Eileen Wert - Ext. 5907

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