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Financial Partners Credit Union Rates & Review November 2026

Financial Partners Credit Union's 9-Month Liquid CD rates are at 4.00%. Financial Partners Credit Union's savings rates are at 3.50%. Financial Partners Credit Union's 5/6 Adjustable Rate Loans rates are at 6.38%, 5/1 Adjustable Rate Loan - Interest Only rates are at 6.75%, 20-Year Fixed Conforming rates are at 6.75%, 15-Year Fixed Conforming rates are at 6.75%, 10-Year Fixed Conforming rates are at 6.75%. Financial Partners Credit Union's Personal Loan Rates are as low as 13.99%. Financial Partners Credit Union's mortgage rates are 5% higher than the MonitorBankRates national average. MonitorBankRates has no NCUA call report data for Financial Partners Credit Union (no charter number on file), so it is not rated. Rates last updated and verified on 10/28/2026.

Financial Partners Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Financial Partners Credit Union? Share your experience about Financial Partners Credit Union by leaving a review below, or read customer reviews before you decide to use Financial Partners Credit Union.

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Financial Partners Credit Union CD Rates

Product Rate APY Term View More
9-Month Liquid Certificate - 4.00% 9 months
Details Up to two penalty-free withdrawals during the term
Last Updated 10/28/2026
Rate History
1 change since Oct 1, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 1, 2026: 3.75% APYOct 15, 2026: 4.00% APYOct 1, 2026Nov 2, 2026
  • Oct 15, 20264.00%▲ from 3.75%
  • Oct 1, 20263.75%first recorded

Financial Partners Credit Union Savings Rates

Product Rate APY View More
First Step Savings - 3.50%
Details Youth savings account for children; family members with linked FPCU accounts can contribute anytime
Last Updated 10/28/2026
Rate History
No change since Sep 30, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 30, 2026: 3.50% APYSep 30, 2026Nov 2, 2026

Financial Partners Credit Union Mortgage Rates

Product Rate Points APR Term View More
5/6 Adjustable Rate Loans 6.375% 0.000% 6.621% 360 months
Details Loan Amount: $350,000; Rate fixed first 5 years, then adjusts every 6 months based on SOFR plus margin; each adjustment limited to 1% increase; lifetime max rate 10.750%; APR based on owner-occupied single-family, 80% LTV, 740 credit score
Last Updated 10/28/2026
Rate History
No change since Oct 22, 2026 · 6.62% APR · checked 3 times
6.12%6.62%7.12%Oct 22, 2026: 6.62% APROct 22, 2026Nov 2, 2026
5/1 Adjustable Rate Loan - Interest Only 6.75% 0.000% 7.02% 360 months
Details Loan Amount: $350,000; Interest-only payments for first 5 years; initial rate fixed 5 years, adjusts annually thereafter; APR based on 80% LTV, owner-occupied, 740 credit score
Last Updated 10/28/2026
Rate History
No change since Oct 22, 2026 · 7.02% APR · checked 3 times
6.52%7.02%7.52%Oct 22, 2026: 7.02% APROct 22, 2026Nov 2, 2026
20-Year Fixed Conforming 6.75% 0.750% 7.222% 240 months
Details Conforming Fixed Mortgage Rates as of October 28, 2026
Last Updated 10/28/2026
Rate History
2 changes since Oct 22, 2026 · 7.35% → 7.22% ▼ 0.13 pts · high 7.35% / low 7.22%
6.72%7.29%7.85%Oct 22, 2026: 7.35% APROct 23, 2026: 7.24% APROct 28, 2026: 7.22% APROct 22, 2026Nov 2, 2026
  • Oct 28, 20267.22%▼ from 7.24%
  • Oct 23, 20267.24%▼ from 7.35%
  • Oct 22, 20267.35%first recorded
15-Year Fixed Conforming 6.75% 0.125% 7.234% 180 months
Details Conforming Fixed Mortgage Rates as of October 28, 2026
Last Updated 10/28/2026
Rate History
1 change since Oct 22, 2026 · 7.34% → 7.23% ▼ 0.11 pts · high 7.34% / low 7.23%
6.73%7.29%7.84%Oct 22, 2026: 7.34% APROct 23, 2026: 7.23% APROct 22, 2026Nov 2, 2026
  • Oct 23, 20267.23%▼ from 7.34%
  • Oct 22, 20267.34%first recorded
20-Year Fixed Conforming 6.875% 0.375% 7.30% 240 months
Details Conforming Fixed Mortgage Rates as of October 28, 2026
Last Updated 10/28/2026
Rate History
1 change since Oct 22, 2026 · 7.35% → 7.30% ▼ 0.05 pts · high 7.35% / low 7.30%
6.80%7.33%7.85%Oct 22, 2026: 7.35% APROct 23, 2026: 7.30% APROct 22, 2026Nov 2, 2026
  • Oct 23, 20267.30%▼ from 7.35%
  • Oct 22, 20267.35%first recorded
15-Year Fixed Conforming 6.875% -0.125% 7.321% 180 months
Details Conforming Fixed Mortgage Rates as of October 28, 2026
Last Updated 10/28/2026
Rate History
1 change since Oct 22, 2026 · 7.34% → 7.32% ▼ 0.02 pts · high 7.34% / low 7.32%
6.82%7.33%7.84%Oct 22, 2026: 7.34% APROct 23, 2026: 7.32% APROct 22, 2026Nov 2, 2026
  • Oct 23, 20267.32%▼ from 7.34%
  • Oct 22, 20267.34%first recorded
20-Year Fixed Conforming 7.00% -0.125% 7.361% 240 months
Details Conforming Fixed Mortgage Rates as of October 28, 2026
Last Updated 10/28/2026
Rate History
1 change since Oct 22, 2026 · 7.35% → 7.36% ▲ 0.01 pts · high 7.36% / low 7.35%
6.85%7.36%7.86%Oct 22, 2026: 7.35% APROct 23, 2026: 7.36% APROct 22, 2026Nov 2, 2026
  • Oct 23, 20267.36%▲ from 7.35%
  • Oct 22, 20267.35%first recorded
15-Year Fixed Conforming 7.00% -0.375% 7.407% 180 months
Details Conforming Fixed Mortgage Rates as of October 28, 2026
Last Updated 10/28/2026
Rate History
2 changes since Oct 22, 2026 · 7.43% → 7.41% ▼ 0.02 pts · high 7.43% / low 7.39%
6.89%7.41%7.93%Oct 22, 2026: 7.43% APROct 23, 2026: 7.39% APROct 28, 2026: 7.41% APROct 22, 2026Nov 2, 2026
  • Oct 28, 20267.41%▲ from 7.39%
  • Oct 23, 20267.39%▼ from 7.43%
  • Oct 22, 20267.43%first recorded
10-Year Fixed Conforming 6.75% 0.250% 7.459% 120 months
Details Conforming Fixed Mortgage Rates as of October 28, 2026
Last Updated 10/28/2026
Rate History
1 change since Oct 22, 2026 · 7.59% → 7.46% ▼ 0.13 pts · high 7.59% / low 7.46%
6.96%7.52%8.09%Oct 22, 2026: 7.59% APROct 23, 2026: 7.46% APROct 22, 2026Nov 2, 2026
  • Oct 23, 20267.46%▼ from 7.59%
  • Oct 22, 20267.59%first recorded
10-Year Fixed Conforming 6.875% 0.000% 7.529% 120 months
Details Conforming Fixed Mortgage Rates as of October 28, 2026
Last Updated 10/28/2026
Rate History
1 change since Oct 22, 2026 · 7.59% → 7.53% ▼ 0.06 pts · high 7.59% / low 7.53%
7.03%7.56%8.09%Oct 22, 2026: 7.59% APROct 23, 2026: 7.53% APROct 22, 2026Nov 2, 2026
  • Oct 23, 20267.53%▼ from 7.59%
  • Oct 22, 20267.59%first recorded
30-Year Fixed Conforming 7.25% 0.000% 7.547% 360 months
Details Conforming Fixed Mortgage Rates as of October 28, 2026
Last Updated 10/28/2026
Rate History
1 change since Oct 22, 2026 · 7.65% → 7.55% ▼ 0.10 pts · high 7.65% / low 7.55%
7.05%7.60%8.15%Oct 22, 2026: 7.65% APROct 23, 2026: 7.55% APROct 22, 2026Nov 2, 2026
  • Oct 23, 20267.55%▼ from 7.65%
  • Oct 22, 20267.65%first recorded
10-Year Fixed Conforming 7.00% -0.250% 7.599% 120 months
Details Conforming Fixed Mortgage Rates as of October 28, 2026
Last Updated 10/28/2026
Rate History
1 change since Oct 22, 2026 · 7.59% → 7.60% ▲ 0.01 pts · high 7.60% / low 7.59%
7.09%7.59%8.10%Oct 22, 2026: 7.59% APROct 23, 2026: 7.60% APROct 22, 2026Nov 2, 2026
  • Oct 23, 20267.60%▲ from 7.59%
  • Oct 22, 20267.59%first recorded
30-Year Fixed Conforming 7.375% -0.500% 7.622% 360 months
Details Conforming Fixed Mortgage Rates as of October 28, 2026
Last Updated 10/28/2026
Rate History
2 changes since Oct 22, 2026 · 7.65% → 7.62% ▼ 0.03 pts · high 7.65% / low 7.62%
7.12%7.64%8.15%Oct 22, 2026: 7.65% APROct 23, 2026: 7.64% APROct 28, 2026: 7.62% APROct 22, 2026Nov 2, 2026
  • Oct 28, 20267.62%▼ from 7.64%
  • Oct 23, 20267.64%▼ from 7.65%
  • Oct 22, 20267.65%first recorded
30-Year Fixed Conforming 7.50% -0.875% 7.71% 360 months
Details Conforming Fixed Mortgage Rates as of October 28, 2026
Last Updated 10/28/2026
Rate History
1 change since Oct 22, 2026 · 7.72% → 7.71% ▼ 0.01 pts · high 7.72% / low 7.71%
7.21%7.72%8.22%Oct 22, 2026: 7.72% APROct 23, 2026: 7.71% APROct 22, 2026Nov 2, 2026
  • Oct 23, 20267.71%▼ from 7.72%
  • Oct 22, 20267.72%first recorded

Financial Partners Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC (credit score >719) - - 7.00%
Details As Low As; Intro APR 4.99% valid for 6 months, then changes to the regular variable rate; Index: WSJ Prime 7.00%; Margin 0.000% (margin ranges 0% - 1.00%); maximum APR 18.00%; minimum credit limit and loan amount $25,000, maximum $500,000; 10-year draw period followed by 15-year repayment; secured by owner-occupied California primary residence or second home
Last Updated 10/28/2026
Rate History
No change since Oct 22, 2026 · 7.00% APR · checked 3 times
6.50%7.00%7.50%Oct 22, 2026: 7.00% APROct 22, 2026Nov 2, 2026
15-year Fixed Home Equity Loan 7.75% - 7.912% 180 months
Details Loan amount $100,001 to $250,000; Fee $0.000
Last Updated 10/28/2026
Rate History
No change since Oct 22, 2026 · 7.91% APR · checked 3 times
7.41%7.91%8.41%Oct 22, 2026: 7.91% APROct 22, 2026Nov 2, 2026
15-year Fixed Home Equity Loan 7.75% - 7.997% 180 months
Details Loan amount up to $100,000; Fee $0.000
Last Updated 10/28/2026
Rate History
No change since Oct 22, 2026 · 8.00% APR · checked 3 times
7.50%8.00%8.50%Oct 22, 2026: 8.00% APROct 22, 2026Nov 2, 2026
20-year Fixed Home Equity Loan 8.125% - 8.262% 240 months
Details Loan amount $100,001 to $250,000; Fee $0.000
Last Updated 10/28/2026
Rate History
No change since Oct 22, 2026 · 8.26% APR · checked 3 times
7.76%8.26%8.76%Oct 22, 2026: 8.26% APROct 22, 2026Nov 2, 2026
20-year Fixed Home Equity Loan 8.125% - 8.332% 240 months
Details Loan amount up to $100,000; Fee $0.000
Last Updated 10/28/2026
Rate History
No change since Oct 22, 2026 · 8.33% APR · checked 3 times
7.83%8.33%8.83%Oct 22, 2026: 8.33% APROct 22, 2026Nov 2, 2026

Financial Partners Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum Rewards - 0.00%
Details As Low As; Intro rate expires: 12 billing periods; Regular APR: 15.99%
Last Updated 10/28/2026
Visa Platinum - 12.99%
Details APR as low as 12.99%; Intro APR 0.00% for first twelve billing periods
Last Updated 10/28/2026
Rate History
No change since Oct 22, 2026 · 12.99% APR · checked 3 times
12.49%12.99%13.49%Oct 22, 2026: 12.99% APROct 22, 2026Nov 2, 2026
Visa Platinum Rewards - 15.99%
Details APR as low as 15.99%; Intro APR 0.00% for first twelve billing periods
Last Updated 10/28/2026
Rate History
No change since Oct 22, 2026 · 15.99% APR · checked 3 times
15.49%15.99%16.49%Oct 22, 2026: 15.99% APROct 22, 2026Nov 2, 2026

Financial Partners Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Personal Loan 13.99% Up to 48 months
Details As Low As
Last Updated 10/28/2026
Rate History
No change since Oct 23, 2026 · 13.99% APR · checked 2 times
13.49%13.99%14.49%Oct 23, 2026: 13.99% APROct 23, 2026Nov 2, 2026
Unsecured Personal Loan 14.99% Up to 60 months
Details As Low As
Last Updated 10/28/2026
Rate History
No change since Oct 23, 2026 · 14.99% APR · checked 2 times
14.49%14.99%15.49%Oct 23, 2026: 14.99% APROct 23, 2026Nov 2, 2026

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Financial Partners Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Financial Partners Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Financial Partners Credit Union's official website for the most current offers and terms.
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Financial Partners Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Financial Partners Credit Union

Does Financial Partners Credit Union offer CDs?

Yes. Financial Partners Credit Union current CD rates include its 9-Month Liquid CD at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Financial Partners Credit Union NCUA insured?

Yes. Financial Partners Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Financial Partners Credit Union?

The highest Financial Partners Credit Union CD rate is its 9-Month Liquid CD at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Financial Partners Credit Union offer?

Financial Partners Credit Union CD rates are 4.00% APY for a 9 month CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Financial Partners Credit Union for its full lineup.

What is the highest savings rate at Financial Partners Credit Union?

The highest Financial Partners Credit Union savings rate is its First Step Savings at 3.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at Financial Partners Credit Union?

The lowest Financial Partners Credit Union 30 year fixed mortgage rate is its 30-Year Fixed Conforming at 7.25%, verified by MonitorBankRates as of October 28, 2026. Financial Partners Credit Union mortgage rates are 7.25% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.75% for a 15 year mortgage and 6.75% for a 10 year mortgage.

What is the lowest personal loan rate at Financial Partners Credit Union?

The lowest Financial Partners Credit Union personal loan rate is its Unsecured Personal Loan at 13.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Financial Partners Credit Union?

The lowest Financial Partners Credit Union credit card APR is its Visa Platinum Credit Card at 12.99% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Financial Partners Credit Union operate?

Financial Partners Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Financial Partners Credit Union?

Yes, to access services at Financial Partners Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Financial Partners Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Financial Partners Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Financial Partners Credit Union offer online and mobile banking?

Most modern institutions like Financial Partners Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://fpcu.org/.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Financial Partners Credit Union rates compare?

Financial Partners Credit Union's mortgage rates are 5% higher than the MonitorBankRates national average. Financial Partners Credit Union's top rates are its 9-Month Liquid CD at 4.00% APY, its First Step Savings at 3.50% APY, its 5/6 Adjustable Rate Loans at 6.375% and its Unsecured Personal Loan at 13.99% APR, verified by MonitorBankRates on October 28, 2026.

Current Financial Partners Credit Union Rates

  • Savings3.50%
Retrieved from our database of financial products. Rates subject to change.