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First Imperial Credit Union

Popular Accounts at this Credit Union

1.20%5-year CD60 Month Share Certificate
0.65%1-year CD12 Month Share Certificate
0.10%SavingsLife Savings

Overview / Commentary
1602 W Main St
El Centro, CA 92243-2232

First Imperial Credit Union is headquartered in El Centro and is the 157th largest credit union in the state of California. It is also the 1,659th largest credit union in the nation. It was established in 1942 and as of June of 2016, it had grown to 22 employees and 17,727 members at 3 locations. First Imperial Credit Union's savings rates are 73% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

First Imperial Credit Union of California is open to the residents, church members, and the people that maintain employment throughout Imperial County along with the direct family members of current credit union members.
See current membership details

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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: budryerson | May 2, 2013

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: planxy | Feb 22, 2013

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.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. First Imperial Credit Union has a relatively low asset base.

Health Grade Components

NCUA #68356
Year Chartered1942
Primary Regulator
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD10.24%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$90.7MM$81.9MM
LoansQ2 2016vs Q2 2015$60.4MM$53.2MM
DepositsQ2 2016vs Q2 2015$80.4MM$72.8MM
Equity CapitalQ2 2016vs Q2 2015$9.4MM$8.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$841.00K$1.0MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$771.00K$693.00K
Real Estate OwnedQ2 2016vs Q2 2015$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

1.00%*$100k*-No Term IRA Account
OTHER TIERS: 0.10% $50 - $2,500 | 0.30% $2,500 - $10k | 0.50% $10k - $25k | 0.70% $25k - $50k | 0.80% $50k - $100k
0.90%$50-Holiday Saver
0.90%$50-Summer Saver
0.10%*$10k*-Regular Share
OTHER TIERS: 0.05% Up to $10k
0.10%*$10k*-Life Savings
OTHER TIERS: 0.05% Up to $10k
0.10%*$10k*-Kids Club
OTHER TIERS: 0.05% Up to $10k

First Imperial Credit Union Money Market Rates

0.40%*$50k*-Money Market Account
OTHER TIERS: 0.10% $1k - $10k | 0.20% $10k - $25k | 0.30% $25k - $50k

First Imperial Credit Union CD Rates

1.25%$100k-60 Month Jumbo Share Certificate
1.20%$500-60 Month Share Certificate
1.20%$100k-48 Month Jumbo Share Certificate
1.15%$500-48 Month Share Certificate
1.15%$100k-36 Month Jumbo Share Certificate
1.10%$500-36 Month Share Certificate
0.80%$100k-24 Month Jumbo Share Certificate
0.75%$500-24 Month Share Certificate
0.75%$100k-18 Month Jumbo Share Certificate
0.70%$500-18 Month Share Certificate
0.70%$100k-12 Month Jumbo Share Certificate
0.65%$500-12 Month Share Certificate
0.65%$100k-6 Month Jumbo Share Certificate
0.60%$500-6 Month Share Certificate
0.35%$100k-3 Month Jumbo Share Certificate
0.30%$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 Office409 W Main StBrawley, CA 92227-2244
Branch Office1602 W Main StEl Centro, CA 92243-2232
Branch Office2534 Rockwood Ave Unit 1-ACalexico, CA 92231