$100 for you.
$100 for them.

An exclusive offer from our members to their friends, family, and coworkers.



Open an account with your referral code and get $100*


If you're visiting this page, it's because you were referred to us by an existing satisfied member. Thank you for taking the time to consider Financial Partners for your banking and lending needs.

For more than eighty years, Financial Partners Credit Union has provided banking services to Californians. With generally lower loan rates, higher savings rates, and lower fees than the big banks, the emphasis at Financial Partners is on providing value and the highest levels of service to our members.

What makes us different from a bank? Part of it is our not-for-profit, cooperative structure. Financial Partners is owned by our members, not Wall Street, so we’re committed to doing what’s best for them, rather than the bottom line.

At the same time, we truly believe that focusing on service and member satisfaction is the right thing to do. Our members aren’t just figures on a balance sheet—our mission is to build lifetime financial partnerships.

Open one of our accounts below using the referral code provided to you by our member.

Once they’ve opened their Financial Partners account, we’ll deposit $100 directly into your account and they’ll get $100 too!*


For everyday savings

  • Earn interest
  • $100 minimum balance ($25 to open)
  • Free with eStatements or a $250 minimum combined balance or another product
  • Anytime access through Digital Banking and mobile app
  • Over 5,000 Shared Branches nationwide

Open an Account

View Rates


Earn interest and Partnership Points

  • 30,000+ free ATMs worldwide
  • Unlimited non-FPCU ATMs transactions
  • Free with Direct Deposit over $1,000 or high-balance loans or deposits
  • Anytime access through Digital Banking and mobile app
  • Over 5,000 Shared Branches nationwide

Open an Account


No minimum balance requirements

  • Free with monthly deposits of $300 or more
  • 30,000+ free ATMs worldwide
  • Overdraft from savings
  • Anytime access through Digital Banking and mobile app
  • Over 5,000 Shared Branches nationwide
Open an Account

**Open at any FPCU location or online. The referring member’s unique referral code must be entered at time of application. FPCU is not required to pay the promotional incentive for accounts opened without the appropriate referral code. Referring member must be 18 years or older and an FPCU member with an active savings account, checking account and/or loan. Referred member must be 18 years or older, may not be an existing member, must be within FPCU’s field of membership and be eligible to open and maintain membership. Not all applicants will qualify. New members who are rejoining but have had a membership relationship with FPCU in the last twelve (12) months do not qualify. Accounts must remain open for 90 days. Joint account holders are not eligible to refer. FPCU employees and volunteers are ineligible to refer. Business and Fiduciary accounts are not eligible to refer and/or receive promotional incentive. New referred member and referring member will receive the $100 promotional incentive to the checking account within 90 days of opening qualifying accounts and meeting the account requirements provided all accounts are in good standing. $100 promotional incentive will be reported as interest income to the IRS on Form 1099-INT at year-end. Other terms, limitations, and conditions may apply. Check with FPCU for current Annual Percentage Yield (APY) of accounts. This incentive may be combined with the Tier 1 SEG offer. FPCU reserves the right to terminate this offer at any time.

Effective 08.01.2020, to meet the utilization requirements, you must open and maintain a new FPCU Savings account with a minimum deposit of $25, and maintain an active Checking account. You must receive a monthly direct deposit of at least $500 and make a minimum of $300 in purchases with your FPCU Debit Mastercard within 60 days of account opening. Both accounts must be in good standing to receive the $100 incentive.