First Imperial Credit Union


Overview / Commentary
760-352-1540
1602 W Main St
El Centro, CA 92243

First Imperial Credit Union is headquartered in El Centro and is the 133rd largest credit union in the state of California. It is also the 1,339th largest credit union in the nation. It was established in 1942 and as of June of 2021, it had grown to 25 employees and 19,916 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

Health Grade Components

Overall
NCUA #68356
Year Chartered1942
Employees25
Primary Regulator
Profit Margin
Return on Assets - YTD1.46%
Return on Equity - YTD15.86%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$173.1MM$143.3MM
LoansQ2 2021vs Q2 2020$99.1MM$96.4MM
DepositsQ2 2021vs Q2 2020$155.2MM$128.8MM
Equity CapitalQ2 2021vs Q2 2020$16.0MM$13.2MM
Loan Loss AllowanceQ2 2021vs Q2 2020$1.6MM$2.3MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$332.00K$1.3MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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
1.00%$50-Holiday Saver
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-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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$100k-60 Month Jumbo Share Certificate
0.95%$500-60 Month Share Certificate
0.75%$100k-48 Month Jumbo Share Certificate
0.70%$500-48 Month Share Certificate
0.65%$100k-36 Month Jumbo Share Certificate
0.60%$500-36 Month Share Certificate
0.55%$100k-24 Month Jumbo Share Certificate
0.50%$500-24 Month Share Certificate
0.45%$100k-18 Month Jumbo Share Certificate
0.40%$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

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