First Imperial Credit Union

Overview / Commentary
1602 W Main St
El Centro, CA 92243

First Imperial Credit Union is headquartered in El Centro and is the 127th largest credit union in the state of California. It is also the 1,310th largest credit union in the nation. It was established in 1942 and as of December of 2021, it had grown to 25 employees and 20,339 members at 4 locations. First Imperial Credit Union 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. Immediate family of existing credit union members are also eligible.
See current membership details

Reviews (3)

Filled With Lies

Went to refinance my auto and was told that they do not have a minimum credit score requirement. After two days I received a phone call that I was denied because of my credit score, that is called bait and switch. Already had paid off a vehicle with them ahead of time, all I know is that I will never do business with this bank,ever.

Membership Restricted

Posted by: |

One cannot open an account unless one "regularly works, lives or worships in the Imperial Valley." No affinity  groups or other means of qualification are allowed.

Cannot Access Site

Posted by: |

On any browser, indicator keeps circling as cannot connect with server. Thus ZERO serviceability, folks.  I was in banking for years and we never had that problem, even when the chinese were trying to hack in.


Health Grade Components

NCUA #68356
Year Chartered1942
Primary Regulator
Profit Margin
Return on Assets - YTD2.75%
Return on Equity - YTD25.54%
Annual Interest Income$6.5MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$181.8MM$158.6MM
LoansQ4 2021vs Q4 2020$102.9MM$96.6MM
DepositsQ4 2021vs Q4 2020$160.1MM$142.1MM
Equity CapitalQ4 2021vs Q4 2020$19.4MM$14.7MM
Loan Loss AllowanceQ4 2021vs Q4 2020$944.00K$1.7MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$696.00K$913.00K
Real Estate OwnedQ4 2021vs Q4 2020$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.

First Imperial Credit Union Savings Account Rates

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
0.75%$50-Holiday Saver
0.75%$50-Summer Saver
0.75%$50-Scholar Saver
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

0.25%*$50k*-Money Market Account
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k

First Imperial Credit Union CD Rates

0.70%$100k-60 Month Jumbo Share Certificate
0.65%$500-60 Month Share Certificate
0.65%$100k-48 Month Jumbo Share Certificate
0.60%$500-48 Month Share Certificate
0.55%$100k-36 Month Jumbo Share Certificate
0.50%$500-36 Month Share Certificate
0.50%$100k-24 Month Jumbo Share Certificate
0.45%$500-24 Month Share Certificate
0.40%$100k-18 Month Jumbo Share Certificate
0.35%$500-18 Month Share Certificate
0.35%$100k-12 Month Jumbo Share Certificate
0.30%$500-12 Month Share Certificate
0.25%$100k-6 Month Jumbo Share Certificate
0.20%$500-6 Month Share Certificate
0.15%$100k-3 Month Jumbo Share Certificate
0.10%$500-3 Month Share Certificate

First Imperial Credit Union IRA Rates

1.00%$500-24 Month IRA Certificate
0.80%$500-18 Month IRA Certificate
0.60%$500-12 Month IRA Certificate

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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