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First Imperial Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.ficu.com
760-352-1540
1602 W Main St
El Centro, CA 92243

First Imperial Credit Union is headquartered in El Centro and is the 118th largest credit union in the state of California. It is also the 1,193rd largest credit union in the nation. It was established in 1942 and as of March of 2025, it had grown to 50 employees and 22,875 members at 4 locations. First Imperial Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

First Imperial Credit Union is open to anyone who lives, works, or worships in Imperial County, California, or the following Riverside County cities: Banning, Beaumont, Blythe, Cathedral City, Coachella, Desert Hot Springs, Indian Wells, Indio, La Quinta, Palm Desert, Palm Springs, Rancho Mirage, Thermal, or Thousand Palms. Immediate family members of current First Imperial Credit Union are also eligible to join. Immediate family of existing credit union members are also eligible.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68356
Year Chartered1942
Employees50
Primary Regulator
Profit Margin
Return on Assets - YTD2.2%
Return on Equity - YTD17.84%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$232.7MM$204.8MM
LoansQ1 2025vs Q1 2024$163.6MM$146.9MM
DepositsQ1 2025vs Q1 2024$197.8MM$173.7MM
Equity CapitalQ1 2025vs Q1 2024$27.9MM$25MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.4MM$1.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.4MM$1.5MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not First Imperial Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Imperial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$50$12kHoliday Saver
2.75%$50$12kSummer Saver
2.75%$50$12kScholar Saver
1.75%$5$10kEmergency Savings
0.10%*$10k*-Regular Share
OTHER TIERS: 0.05% → $5 - $10k
0.10%*$10k*-Rainy Day Savings
OTHER TIERS: 0.05% → $5 - $10k
0.10%*$10k*-Kids Club
OTHER TIERS: 0.05% → $5 - $10k

First Imperial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$50k*-Money Market Account
OTHER TIERS: 0.35% → $1k - $10k | 0.65% → $10k - $25k | 0.70% → $25k - $50k

First Imperial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$100k-60 Month Jumbo Share Certificate
3.75%$500-60 Month Share Certificate
3.75%$500$100k12 Month Smart Saver CD Special
3.55%$100k-48 Month Jumbo Share Certificate
3.50%$500-48 Month Share Certificate
3.30%$100k-36 Month Jumbo Share Certificate
3.25%$500-36 Month Share Certificate
3.05%$100k-24 Month Jumbo Share Certificate
3.00%$500-24 Month Share Certificate
2.80%$100k-12 Month Jumbo Share Certificate
2.80%$100k-18 Month Jumbo Share Certificate
2.75%$500-12 Month Share Certificate
2.75%$500-18 Month Share Certificate
2.75%$100k-6 Month Jumbo Share Certificate
2.70%$500-6 Month Share Certificate
2.55%$100k-3 Month Jumbo Share Certificate
2.50%$500-3 Month Share Certificate

First Imperial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$500-24 Month IRA Certificate
3.50%$500-18 Month IRA Certificate
3.25%$500-12 Month IRA Certificate
0.90%*$100k*-No Term IRA Account
OTHER TIERS: 0.10% → $50 - $2.5k | 0.20% → $2.5k - $10k | 0.40% → $10k - $25k | 0.60% → $25k - $50k | 0.70% → $50k - $100k
Locations


First Imperial Credit Union Locations
Branch Office1020 S Brawley AveBrawley, CA 92227
Branch Office1602 W Main StEl Centro, CA 92243-2232
Branch Office1010 Cole BlvdCalexico, CA 92231
Branch Office123 W Barioni Blvd Ste DImperial, CA 92251

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