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First Imperial Credit Union


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 122nd largest credit union in the state of California. It is also the 1,259th largest credit union in the nation. It was established in 1942 and as of June of 2024, it had grown to 49 employees and 22,348 members at 4 locations. First Imperial Credit Union's CD rates are 5X 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.
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Health
A

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68356
Year Chartered1942
Employees49
Primary Regulator
Profit Margin
Return on Assets - YTD1.41%
Return on Equity - YTD11.27%
Annual Interest Income$5.5MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$202.8MM$186.5MM
LoansQ2 2024vs Q2 2023$150.4MM$137.6MM
DepositsQ2 2024vs Q2 2023$170.9MM$163MM
Equity CapitalQ2 2024vs Q2 2023$25.5MM$22.1MM
Loan Loss AllowanceQ2 2024vs Q2 2023$1.8MM$2.5MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$1.9MM$1.3MM
Real Estate OwnedQ2 2024vs Q2 2023$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
3.00%$50-Holiday Saver
3.00%$50-Summer Saver
3.00%$50-Scholar Saver
1.75%$5$10kEmergency Savings
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
0.10%*$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
4.55%$100k-60 Month Jumbo Share Certificate
4.50%$500-60 Month Share Certificate
4.30%$100k-48 Month Jumbo Share Certificate
4.25%$500-48 Month Share Certificate
4.25%$500$100k12 Month Smart Saver CD Special
4.05%$100k-36 Month Jumbo Share Certificate
4.00%$500-36 Month Share Certificate
3.80%$100k-24 Month Jumbo Share Certificate
3.75%$500-24 Month Share Certificate
3.55%$100k-18 Month Jumbo Share Certificate
3.50%$500-18 Month Share Certificate
3.30%$100k-12 Month Jumbo Share Certificate
3.25%$500-12 Month Share Certificate
3.05%$100k-6 Month Jumbo Share Certificate
3.00%$500-6 Month Share Certificate
2.80%$100k-3 Month Jumbo Share Certificate
2.75%$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
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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