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					                                                               What's New in eBanking?                                                                                                                                                                                                                             Financial Tips, Trends & Solutions
Financial Highlights                                             In a recent electronic survey, we received                        Using Financial Institution-to-Financial
as of 2/28/07

                                                                 valuable feedback on ways to enhance our                          Institution transfer capability you can fund
Assets  .  .  .  .  .  .  .  .  .  .  .  .  . $722,457,560       electronic services. The overwhelming request                     your new account from almost any financial
Loans .  .  .  .  .  .  .  .  .  .  .  .  .  . $616,389,999      was the ability to open accounts directly within                  institution! Or if you prefer, transfer funds
Net Worth Ratio  .  .  .  .  .  .  .  .  .  . 8.68%
                                                                 eBanking. Your request is now a reality!                          from one of your existing Financial Partners
Financial Partners                                               With just a few clicks, you can now securely                      accounts. Once you complete the process and
Savings Yields                                                   open a variety of deposit products from the                       press 'submit,' you will have access to your new                        Spring 2007
                                                                 convenience of your computer.                                     account. It's that simple!
Annual Percentage Yields as of 3/19/07
and are subject to change without
                                                                                                                                                                                                           Inside This Issue
notice. Call for current yields.
                                                                 •	 Certificate	Accounts                                           Available for a limited time only, the 70th
Max Return Money Market 4.50% APY
                                                                                                                                   Anniversary Certificate! Log into eBanking and
with $30,000 balance                                             •	 Money	Market	Savings	Accounts
My Choice Plus Certificate 5.50% APY                                                                                               earn 5.70% APY* today!                                                  Page 2
14-month • Fixed rate                                            •	 Regular	Savings	Accounts                                                                                                               Spring Ahead with Your
Minimum $1,000 balance                                                                                                             *APY = Annual Percentage Yield. This account must be opened
                                                                                                                                                                                                           Home’s Equity

                                                                                                                                   with a minimum of $1,000 and a maximum of $50,000. Rate
Other great rates and terms are
available online at
                                                                 To access this valuable feature, simply log into                  effective March 23, 2007 and is subject to change at any time.
                                                                                                                                                                                                           Clean Out Your Home Loan Rate
Your savings federally insured to at
                                                                 eBanking and click on 'Open New Accounts.'                        After 7 months, this certificate will roll over for the same term and
                                                                                                                                   conditions at the then current 6-11 month certificate.
least $100,000 and backed by the full                                                                                                                                                                      Refer a Friend and                                                 Spring Greetings to      Internally we continually focus on achieving greater
faith and credit of the United States
Government. National Credit Union                                                                                                                                                                          Get a FREE Gift!                                                   our 54,000 member-       efficiencies in order to ensure delivery of the highest
Administration, a U.S. Government                                                                                                      From Our Members                                                                                                                       owners like you,         level of service and value to all member-owners.
Agency. IRAs are insured separately to                                                                                                                                                                                                                                        whose       support      This disciplined attention to business fundamentals
an additional $250,000.                                                                                                                                                                                    Page 3                                                             continues to lift        allows your Credit Union to continue offering you
                                                                                                                                      The best part of my Financial Partners on-                           Spring Out of Your Tax Time                                        this organization to     and your family very attractive savings and loan
Financial Partners                                                                                                                                                                                         Hang Over
Loan Rates                                                                                                                            line experience is the free bill pay service and                                                                                        new heights. With        products. Additionally, because members receive
                                                                                                                                      the convenient fund transfer process. I used                                                                                            $720 Million in          greater value, share balances continued to increase
                                                                                                                                                                                                           Spring into Great Auto
Annual Percentage Rates as of 4/02//07                                                                                                                                                                     Financing at Participating
                                                                                                                                                                                                                                                                              assets, your Credit      during first quarter 2007. And as many pay greater
and are subject to change without                                                                                                     to dread sitting down each month to write                                                                                               Union remains as         attention to their dream retirement, Financial Partners
notice. Call toll free 800.950.7328 for                                                                                                                                                                    Dealers
current rates.                                                                                                                        out checks for the same bills, it was boring,                                                                                           passionate as ever       Investment Advisors are a great resource and support
Home Equity Line of Credit                                                                                                            laborious, and it drove me to procrastination                        Did You Know?                                                      about serving you!       to the membership.
4.99% APR for 6 months
As low as 8.00% APR fully indexed.                                                                                                    and a few late payments due to mailing. Your                                                         As we celebrate our 70th anniversary year, we               As an owner of the Credit Union you can support it
New and Used Autos                                                                                                                    bill pay service has allowed me freedom to                           Page 4                          can reflect on our humble origins. In 1937 a few            in many simple ways. First, take advantage of our
As low as 5.99% APR fixed.*                                                                                                                                                                                What’s New in eBanking?         employees pooled their funds and created a financial        great products and services. The more business you
                                                                                                                                      schedule my bills as they arrive in the mail,
Credit Cards                                                                                                                                                                                                                               cooperative to assist their fellow co-workers. In           do through the cooperative, the more your cooperative
Call or visit us online for details.                                                                                                  this is great for me as it eliminates the stack                      From Our Members                the beginning, members were limited to $25 in               can do for you. Second, refer your family and friends
*All rates, terms and loan amounts
                                                                                                                                      at the end of the month and the check writ-                                                          borrowing and $200 in savings and by the end of the         to join Financial Partners. Let your friends and
are based on approved credit and
determined by a managed-risk program.                                                                                                 ing. My extra time is used to review my                                                              first year the Credit Union boasted $5,500 in assets.       family in on the great deal you get by being an owner
Rates includes .25% discount for                                                                                                                                                                           Holidays/Events                 Management was provided entirely by volunteers              of this financial cooperative. Third, press “credit”
automatic payment and an additional                                                                                                   on-line statements, do any transfers and just                                                        until 1940, when a part-time employee was hired.            when using your debit card at the Point-of-Sale. This
.25% discount for pre-approved
members. Loans also available on RVs,                                                                                                 relax. The process is easy, intuitive and fast.                                                      Things certainly have changed! Your Credit Union            has no extra cost, while providing you with greater
boats, watercraft, motorcycles and ATVs.
                                                                                                                                      Thanks for the great service!                                        Annual Meeting                  is now a full-service financial institution providing       protection. It sounds like such a small thing, but it
Log on to to apply for the                                                                                                                                                                    April 24 5:00 PM                a full array of loans for homes, autos and personal         improves the Credit Union’s interchange income with
loan that fits your unique needs.
                                                                                                                                                                                                           Downey                          use, as well as checking, savings, insurance products,      no impact to you. Any gained benefit is then recycled
Visit us online at for up to
date mortgage rates.                                                                                                                                                                                                                       investments and financial planning. The depth of            back to all members in the form of improved pricing,
                                                                                                                                                         Cheryl M .                                                                        expertise, comprehensive product offerings, and mix         greater convenience and added services.
                                                                                                                                                                                                           We Will Be Closed:              of electronic and traditional delivery channels provide
                                                                                                                                                         Corona, CA                                                                        you and your family with value second to none. I am         Finally, I thank all of you who provided feedback to
                                                                                                                                                         Member since 2002                                 Memorial Day                    sure you are as proud of your Credit Union’s success        the Credit Union! Based on the results from the latest
                                                                                                                                                                                                           Monday, May 28                  as we are! It would not have been possible without          service quality survey by an independent organization,
                                                                                                                                                                                                                                           you!                                                        our service performance improved significantly. The
                                                                                                                                                                                                                                                                                                       ‘Very Satisfied’ rating increased to a strong 86%. This
Convenient Services                                           Branch Offices                          Express Services Offices                        Loan Payment Addresses                                                               As a member owned not-for-profit organization, we           is the best showing in the last few years and we are
Apply For Any Loan                                            Anaheim                                 Call 800.950.7328 for hours and                 Mortgage Payments                                                                    operate differently than banks and other financial          eager to improve it even further in coming quarters.
24 hours a day, 7 days a week                                 3061 E. La Palma Ave. Anaheim, CA       access information.                             Financial Partners Credit Union                                                      institutions. When we serve you, we serve an owner          We also received valuable input and suggestions                                                                                                                                          P.O. Box 7168, Pasadena, CA 91109-7168                                               and a patron of the Credit Union. It is this relationship   about how we can improve services in the future.
                                                              Brea                                    Sponsor Locations:                              Consumer Loan Payments
                                                              2435 E. Imperial Hwy., Brea, CA                                                                                                                                              that fuels the sense of responsibility and care in          Thank you for your care and input as this dialogue is
CU Service Centers                                                                                    Anaheim • De Soto                               Financial Partners Credit Union                                                      managing your assets. FPCU is very proactive in             the basis of our partnership and the bond that allows
                                                              Downey                                  Huntington Beach                                P.O. Box 60092, City of Industry, CA 91716-0092
                                                                                                                                                      Credit Card Payments
                                                                                                                                                                                                                                           increasing member security, including the prudent           us to build an even stronger organization!                                               7800 E. Imperial Hwy. Downey, CA        Long Beach • Palmdale
                                                                                                                                                      Financial Partners Credit Union                                                      manner in which we manage credit and interest rate
                                                                                                      Seal Beach • West Hills
                                                              Newport Beach                                                                           P.O. Box 2320, Omaha, NE 68103-2320                                                  risk. To use an example, given the cyclical nature of
Mailing Address                                                                                       For convenient Credit Union access,
                                                              5160 Birch St., Newport Beach, CA                                                                                                                                            the real estate market, we purposely avoided the high
PO Box 7005                                                                                           scheduled visits are also made to other
                                                              Woodland Hills                          Boeing and Rockwell facilities. Visit www.                                                                                           risk mortgage segments currently making negative
Downey, CA 90241-7005
                                                              21757-A Erwin St., Woodland Hills, CA for details, or call 800.950.7328.                                                                                          headlines. As a matter of fact, your Credit Union has
                                                                                                                                                                                                                                                                                                       Nader Moghaddam
                                                                                                                                                      800.950.7328                                                                         0.10% in loan delinquency overall, placing it among
                                                                                                                                                                                                                     the best in class within the industry.
Spring Ahead with Your Home’s Equity                                                                                                                                             Spring Out of Your Tax Time Hang Over                                                                        Did You Know?

Home Improvements.                                        advance and your interest may be tax                                                                                   If your head still hurts from filing your      the cost of your tax preparer could be an                    Financial Partners can help You:
                                                          deductible*. So, do the math and see                        Refer a Friend and                                         2006 taxes, the last thing you want to         itemized deduction? Don't forget all those
Bill Consolidation.                                       how much you could save each month if                                                                                  worry about is planning for tax year 2007!     un-reimbursed expenses from work, like                          Save for Important Goals
Dream Vacations.                                          you paid off high-rate loans or paid off                    Get a FREE Gift!                                           Start fresh and save yourself the headache     some auto expenses. If you've improved
                                                          your car.                                                                                                              next year by being prepared. Take the time     your work skills through education or                           Achieve the Retirement of
Spring is the time of year you start                                                                                  For a Limited Time Only, refer a friend                    now to organize and prepare for next year      other means, they may be tax deductible                         Your Dreams
planning those home improvement                           Don't have a Home Equity Line of Credit                     to Financial Partners Credit Union and                     and ensure an easier recovery from your        as well!
projects, look for ways to restructure your               with Financial Partners? This is a great                    receive a free Rubbermaid™ storage                         taxes next year!                                                                                            We can help you make your way down
debt, and plan those summer vacations!                    time to open one! For a limited time,                       set when they open their account! Your                                                                                      3.     Monitor      your                   the road to financial independence!
This year, take the strain out of planning                our Line of Credit comes complete with                      friend or family member will enjoy the                     1. Start thinking                                                investment gains and                       All financial education services are
and put your Home Equity Line of                          No Points and No Fees coupled with a                        benefits of:                                               about charitable                                                 losses. Take the time                      unbiased and entirely confidential.
Credit to work. It's easy to access your                  great low 4.99%	APR**	for	6	months,	                                                                                   deductions.                                                      to create a log of your                    No sales pitches...just the guidance
line, simply write a convenience check,                   as	low	as	8.00%	APR** fully indexed.                                                                                   Over the year,                                                   portfolio and don't just                   you need to achieve your goals. To
stop by your local branch, or make an                                                                                    • FREE Access to over 25,000 ATMs!                                                                                                                                  arrange for a complimentary financial
                                                          What are you waiting for? Get your                                                                                     you've probably                                                  rely on your broker to
advance through eBanking! As usual,                       equity line opened and start planning                          • FREE Online Bill Pay!                                 donated clothes                                                  provide you with the                       consultation, call or e-mail our
you pay interest only on the amount you                                                                                                                                                                                                                                                      financial consultants, or stop by your
                                                          now for a wonderful summer!                                    • FREE Debit Card!                                      or furniture to                                                  information. A simple
                                                                                                                                                                                 charitable causes,                                               spreadsheet that contains                  local Financial Partners branch.
          HoMe	INSuRANCe                                  *Consult a tax advisor.
                                                          **APR = Annual Percentage Rate. Introductory rate for       And take advantage of:                                     don't forget to get                                              the date, purchase/sell
  Have	 you	 considered	 Financial	
                                                          the first six months with a minimum draw of $5,000.                                                                    a receipt and store them together in a file.   price, and transaction charges is a great
                                                          Introductory rate not offered on existing Financial
                                                                                                                                                                                 Individually, the donations may not seem       way to not only track your investments,
  Partners	for	your	home	insurance	                       Partners Home Equity loans. Accounts closed within 36          • NO Monthly Service Charge!                                                                                                                                                            Adam	Wass
  needs?		We	can	help	you	structure	                      months will incur a $500 closure fee. Fully indexed rate                                                               like much, but when you make multiple          but makes it easy to report your gains and                                       Anaheim &
  the	 right	 coverage	 and	 save	                        as of 3/19/07 of 8.00% is adjustable, based on prime,          • NO Minimum Balance Requirements!                      donations throughout the year, it could        losses! And if your investments didn't                                           Huntington Beach
                                                          for loans to 80% LTV. Not all members will receive
  you	 money.	 	 Give	 us	 a	 call	 at	                   the lowest rates available at the end of the introductory      • NO Direct Deposit Requirements!                       add up! Even more valuable than the tax        perform well, it may still be beneficial to                                      714.237.7567
  866.736.4928	 and	 discover	 how	                       period. Primary residence only. Rates, terms, and loan                                                                 deduction, you are helping people truly in     report your loss. The maximum amount of                                
  much	you	could	save!                                    amounts are based on approved credit and determined
                                                                                                                      If you don’t currently have a checking                     need.                                          the loss that can be claimed is $3,000, or
                                                          by a managed risk program.
                                                                                                                      account with Financial Partners, there                                                                    $1,500 if you are married filing separately,                                     Robert	Nieto
                                                                                                                      are two great ways to get your FREE                        2. Take the time to itemize your deduction     either way it could reduce your overall tax                                      Woodland Hills
   Clean Out Your Home Loan Rate                                                                                      Storage Set: 1. Open a new checking                        and make sure you cover them all. Most         liability!                                                                       818.595.8051
   If you are like the countless number of home owners lured into an incredibly                                       account with Financial Partners or 2.                      people overlook some simple expenses                                                                                  
   low rate mortgage for the first few years, you are probably looking at a                                           Refer a Friend, and when your friend                       that may qualify for a deduction. For          For more information about tax planning
   significant hike in your rate and payment soon. Now's the time to say good                                         opens a checking account, you will both                    example, did you know that the cost of         or other financial planning, talk to your
                                                                                                                                                                                                                                                                                                                 Malcolm	Roane
   bye to your ugly payment and consider a low fixed rate solution from your                                          receive a FREE Storage Set!                                purchasing tax preparation software or         local financial consultant today!                                                Downey
   credit union today! Chances are if you have an adjustable rate loan, negative                                                                                                                                                                                                                                 562.904.4566
   amortization loan, or Select Option ARM ~ you could save money by locking                                                                                                     Spring into Great Auto Financing at Participating Dealers                                                             
   in a low fixed rate. With three great choices, we make it easy for you to keep                                                                                                                                                                                                                                Richard	Fougnie
   an affordable monthly payment.                                                                                                                                                                                                                                                                                Newport Beach
                                                                                                                                                                                                                                                                                                                 & Brea
                                                                            *                                                                                                     With rates as low as 5.99%	 APR* and          tell them you want your car loan with
                                                                                                                                                                                  terms available up to 84 months**, let        Financial Partners Credit Union!
                                              6.25%                 6.261%               $1,847.15                                                                                your credit union put you into the new                                                                     Representatives are registered, securities are sold, and
                                                                                                                                                                                                                                *APR= Annual Percentage Rate. Certain conditions and         investment advisory services offered through CUNA
                                              6.50%                 6.514%               $1,756.37
                                                                                                          2                                                                       car, truck, or SUV of your dreams! To         restrictions apply; your rate may be higher. Final rate is   Brokerage Services, Inc. (CBSI), member NASD/SIPC,
                                                                                                                                                                                                                                based on creditworthiness and term of the loan. Rates
                                                                                                                                                                                  make it even easier to buy that new                                                                        a registered broker/dealer and investment advisor,
                                                                                                          3           Debit card subject to qualification. Gift quantities are                                                  includes .25% discount for automatic payment from a
               Interest Only Fixed 6.50%                            6.510%               $1,625.00                    limited and available to new accounts only with funds       vehicle and take advantage of Financial       credit union savings or checking account. Rate includes
                                                                                                                                                                                                                                                                                             2000 Heritage Way, Waverly, Iowa 50677, toll-free
                                                                                                                                                                                                                                                                                             (866) 512-6109. Trust services available through
                                                                                                                      not currently on deposit. There is a minimum opening        Partners affordable financing, simply visit   an additional .25% discount for pre-approved members.        MEMBERS Trust Company. Nondeposit investment
   *APR=Annual Percentage Rate. Rates, terms, and payments quoted as of 3/26/07 and subject to change                 balance of $25.00 required to qualify for the free                                                        Not all members will receive the lowest interest rate.       and insurance products are not federally insured, involve
   without notice, to 80% of the property value. Loans subject to borrower and property qualification.                gift offer, the gift will be awarded when the opening
                                                                                                                                                                                  any auto dealer that displays the CUDL        Rates, terms and loan amounts are based on approved          investment risk, may lose value and are not obligations
   1. Payment is based on a fixed rate loan with a rate of 6.25% (6.261% APR) for 360 months. 2. Payment              deposit is made. Gifts of equal or lesser value may be      logo or visit to locate a        credit and determined by a managed risk program. Rate        of or guaranteed by the financial institution. CBSI is
   is based on a fixed rate loan with a rate of 6.50% (6.514% APR) for 480 months. 3. Payment is based on a           substituted. No minimum time requirements apply to                                                        quoted as of 4/02/07 and subject to change without           under contract with the financial institution, through the
                                                                                                                                                                                  participating CUDL Dealer in your area.       notice. **Minimum amount financed of $25,000 for 84
   fixed rate loan with a rate of 6.50% (6.510% APR) for 360 months with interest only payments for the first         qualify for the free gift. Limited time offer.                                                                                                                         financial services program, to make securities available
   120 months, remaining payments of $2,236.72 for the next 240 months.                                                                                                           Just stop in, pick out your vehicle, and      month term.                                                  to members. FR030721-AE73