Featured Savings Rates
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Financial Partners CU (CA)

Popular Accounts at this Credit Union

2.20%5-year CD60 Month CD
2.20%5-year IRA60 Month IRA (Traditional, Roth)
1.00%1-year CD12-23 Month CD

Overview / Commentary
7800 Imperial Hwy
Downey, CA 90242-3457

Financial Partners CU (CA) is headquartered in Downey and is the 36th largest credit union in the state of California. It is also the 220th largest credit union in the nation. It was established in 1937 and as of June of 2017, it had grown to 200 employees and 72,667 members at 10 locations. Financial Partners CU (CA)'s CD rates are 28% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Financial Partners Credit Union is open to the following: (1) those who live, work, worship, or attend school in Orange County or the city of South San Francisco; (2) those who live, work, worship, or attend school in select areas of Los Angeles County; (3) members of AARP; (4) those who live in San Diego County and are in the healthcare industry or active or retired military personnel; (5) employees of Aerial Equipment Service, Boeing Aircraft and Missiles Division, and over 100 area Select Employer Groups.
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Reviews (3)

Westminster, CA Branch-Opened 5 Year CD Today

Posted by: ocsteve | May 19, 2015

Today opened a 5 year jumbo CD (base rate of 2.323%, APY of 2.35%) with my aunt. The rate is very good for the California market. Were able to do a Living Trust vesting and able to use POA for absent uncle (invalid at home) so the signature sheet could be finalized. Required to also open a share account with a balance of $25.

Able to obtain a monthly interest check by mail. Early withdrawal penalty on this CD was modest 180 days of interest.

Asked about Living Trust with two Trustees, if 1 dies, the remaining Trustee can close account early with no penalty.

This Westminster branch recently moved within a large shopping center to smaller quarters, Was told rent went up like 60% on old space. The space is functional and lobby had bar seats at high tables. Since my aunt was older, were able to go to a private office to open the account.

Representative who helped us was Sergio, who pulled out all the stops to get us in and out in about 30 minutes, with careful attention to account details. Good treatment with respect for older customer was appreciated. Will consider further CD business with this CU!

Positive Experience

Posted by: lof | Feb 28, 2015

Opened the 5yr special cd, very easy process. Staff was very helpful. Need to reside in the Los Angeles area.

Not The Best Place For Your Main Bank

Posted by: VOTE2016 | Mar 11, 2016

Not the best place to bank for your main financial institution. In person at the branch, there are no longer any live tellers for any regular transactions (cash a check, deposit a check, get cash, etc). There are employees to help you with paperwork, open a loan, etc., but NOT for any transactions that require cash (ie, regular banking transactions). For those, you must now walk up to the special ATM with a TV screen, and interact with a person, whose face pops up on the screen, to do any such transactions (ie, you insert your check, wait for your cash back).

This is pretty bad for a number of reasons: (1) the long wait. At the local branch there is only one of these machines -- and each time someone steps up to it, they have to wait, and are put into queue, because people from other branches also need customer service, and you have to wait until someone at the head office is free to help you out. So if you're the only one waiting, you might have to wait 2-3 minutes. If there are other people waiting, be prepared to wait for a long time. (2) Since it's through a machine and video chat, and not with a live person, they're limited by how they can help you. If you want your change in $10 bills, forget it. Their machine will only dispense $20s and $5s. Trying to save on a few dollars by outsourcing ALL teller functions to the head office by way of video chat and an in-branch machine is a lousy way to bank.

As well, when I opened a CD there a few years ago (it's since matured, and I no longer bank here), they wouldn't accept a check made out to me using the commonly-accepted form of my name (ie, "Tom" instead of "Thomas") -- even though my drivers license and passport and other official forms of ID had my signature with that commonly-accepted form of my name. No other institution in my 40+ years ever gave me this hassle about this. These guys did.

There may be worse places to bank than here (ie, Wells Fargo, Bank of America etc) but there are certainly also much BETTER places to bank than here. If all you're doing is opening up a CD (sometimes they have decent CD rates), it should be okay (if they don't hassle you by refusing to accept a check made out to, for instance, "Tom Smith" and will only accept it to "Thomas Smith", even if you sign your valid government IDs as Tom Smith) and other little things. So again, for certain products here and there, they're okay, but it's not a great place to be your main financial institution.


Health Grade Components

NCUA #68457
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD2.76%
Annual Interest Income$20.7MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.25B$1.15B
LoansQ2 2017vs Q2 2016$886.6MM$853.4MM
DepositsQ2 2017vs Q2 2016$1.04B$938.3MM
Equity CapitalQ2 2017vs Q2 2016$117.9MM$109.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$3.6MM$4.0MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$4.3MM$1.5MM
Real Estate OwnedQ2 2017vs Q2 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Financial Partners CU (CA) Savings Account Rates

0.10%$100-Share Savings
0.10%--Christmas Club
0.10%--Add-On IRA

Financial Partners CU (CA) Money Market Rates

0.40%*$250k*-Premier Money Market Savings
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $25k | 0.30% $25k - $50k | 0.35% $50k - $250k
0.30%*$100k*-Money Market Checking
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k

Financial Partners CU (CA) Checking Account Rates

0.05%--Premier Checking

Financial Partners CU (CA) CD Rates

2.35%$100k-60 Month Jumbo CD
2.20%$1k-60 Month CD
1.85%$100k-48-59 Month Jumbo CD
1.70%$1k-48-59 Month CD
1.65%$100k-36-47 Month Jumbo CD
1.50%$1k-36-47 Month CD
1.45%$100k-24-35 Month Jumbo CD
1.30%$1k-24-35 Month CD
1.15%$100k-12-23 Month Jumbo CD
1.00%$1k-12-23 Month CD
0.75%$100k-6-11 Month Jumbo CD
0.60%$1k-6-11 Month CD
0.35%$100k-3-5 Month Jumbo CD
0.20%$1k-3-5 Month CD

Financial Partners CU (CA) IRA Rates

2.35%$100k-60 Month Jumbo IRA
2.20%$1k-60 Month IRA
1.85%$100k-48-59 Month Jumbo IRA
1.70%$1k-48-59 Month IRA
1.65%$100k-36-47 Month Jumbo IRA
1.50%$1k-36-47 Month IRA
1.45%$100k-24-35 Month Jumbo IRA
1.30%$1k-24-35 Month IRA
1.15%$100k-12-23 Month Jumbo IRA
1.00%$1k-12-23 Month IRA
0.75%$100k-6-11 Month Jumbo IRA
0.60%$1k-6-11 Month IRA
0.20%$1k-3-5 Month IRA

Cities: Brea, Downey, Irvine, Orange, San Diego, South San Francisco, Woodland Hills

Brea Branches
Branch Office2435 E Imperial Hwy Ste FBrea, CA 92821-6124

Downey Branches
Branch Office7800 Imperial HwyDowney, CA 90242-3457
Branch Office8274 Firestone BlvdDowney, CA 90241

Irvine Branches
Branch Office6608 Irvine Center DrIrvine, CA 92618-2116

Orange Branches
Branch Office1409 W Chapman Ave Ste AOrange, CA 92868-2743

San Diego Branches
Branch Office8889 Rio San Diego Dr Ste 100San Diego, CA 92108-1673
Branch Office34800 Bob Wilson Dr Blgd 26-1-116-SSan Diego, CA 92134-1098
Branch Office3350 La Jolla Village DrSan Diego, CA 92161

South San Francisco Branches
Branch Office365 S Spruce AveSouth San Francisco, CA 94080-5921

Woodland Hills Branches
Branch Office6250 Topanga Canyon Blvd Ste 1530Woodland Hills, CA 91367-2278