The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com.
According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports but often charge you for another product if you accept the report.
To request your credit report by phone, call (877) 322–8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.
Because the federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year, consider staggering the receipt of each of your credit reports. That way, you'll get a continuous picture of how your credit picture looks, because the three bureaus feed each other the latest information. You’ll also be able to clean up errors as you find them (because errors can drag down a credit score) and you'll also keep an eye on identity theft.
Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government.
If you feel you have been a victim of identity theft, contact the FTC’s Identity Theft Hotline toll-free at 1-877-IDTHEFT (438-4338); by mail: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580; or online.
Financial Partners offers business saving and checking accounts. These accounts function just like regular consumer accounts but do require more information at opening. Please contact the credit union prior to visiting to discuss our business options and a list of required documentation.
Financial Partners does not offer business lending.
What to do if you are having issues?
Your LOGON ID cannot be your account number. If you are still using your account number you will need to change the LOGON ID. This is NOT your security code (password). If you already made this change thinking it was your security code, try logging in using the new information as your LOGON ID instead along with your old/existing security code (password).
If you know your LOGON ID, but not your Security Code, you may select the forgotten security code link. Remember to use the NEW changed LOGON ID information so that the system will generate a temporary code using the correct email address.
If you are still not able to sign on after following these instructions, then you may call either office at 260-627-2111 or 260-632-4245.
After 60 days, your checking account may qualify for ODP (Overdraft Privilege). If this service is active, the credit union may pay items on your account even if your balance falls short. If the service is used, you will be charged a $30 fee for each item paid. The amount of the item plus the fee must be paid within 30 days.
Financial Partners automatically transfers funds held in your primary savings account to pay any overdrafts before using ODP. There is a $2.00 service fee anytime this feature is used.
We also offer a Line of Credit loan for qualifying members. This is a loan that will pay any overdrafts on an account and does require payback. All loans are subject to the current lending policies.
The preferred method for membership application is to visit one of our offices during lobby hours. You may complete an online application, but upon approval, you would need to visit one of our offices to complete the account opening process.
Required documentation- either a valid state issued id indicating proof of current address -OR- birth certificate, social security card, and proof of address.
We require a verified signature to make address changes to an account. You will need to visit one of our offices to complete the account change request form. We also accept mailed and/or emailed letters as long as they include the necessary signature.
To add a joint owner, the person must pass the normal qualification process for membership. The person would need to provide either a valid state issued id with proof of current address -OR- birth certificate, social security card, and proof of address. One current owner must be present to sign in order for a joint own to be added to an account.
To remove a joint owner, the joint owner can request his/her own removal. No owner will be permitted to remove another owner without the written consent of the owner being removed.
At Financial Partners Federal Credit Union, our goal is to put our members first in all we do. We have been providing our community with quality financial services for over 50 years.
On Friday, March 10, 2023 Federal Regulators shut down Silicon Valley Bank (SVB) due to its lack of liquidity. SVB had a structure very different than traditional financial institutions, as it was a key player in the tech and venture capital community. Closely connected with SVB, regulators also closed Signature Bank, on Sunday, March 12, 2023. Signature Bank provided banking services to real estate companies, law firms and cryptocurrency companies. All depositors of both institutions will have access to and receive their full deposits and losses will not be borne by taxpayers, according to regulators. FINANCIAL PARTNERS FCU (FPFCU) members should know that FPFCU is a safe place to save money. FPFCU has sound financial policies and receives high rankings annually from regulators for safety and soundness practices and management of risk. Deposits at FPFCU are protected by the National Credit Union Share Insurance Fund and insured up to at least $250,000 per individual depositor – the same as any other federally insured financial institution. That means backing by the full faith and credit of the U.S. government. FPFCU is well capitalized and in solid financial position to meet the saving and borrowing needs of its members. Credit union members have never lost a penny of insured savings at a federally insured credit union. Visit MyCreditUnion.gov for more information about the National Credit Union Share Insurance Fund coverage for consumers. Members should also be aware that scams have already been reported, trying to alarm consumers. In this sophisticated scam the scammers are communicating that a bank or credit union is under Federal Bureau of Investigation (FBI) review and the person needs to take out their cash from their bank/credit union or risk losing it. Please be aware of suspicious calls or emails at all times.
Website Updates
We hope our members enjoy the new updates. Please let us know if you experience any issues. Thank you!