Overview / Commentary
760-352-1540
1602 W Main St
El Centro, CA 92243-2232

First Imperial Credit Union is headquartered in El Centro and is the 145th largest credit union in the state of California. It is also the 1,491st largest credit union in the nation. It was established in 1942 and as of June of 2018, it had grown to 24 employees and 17,534 members at 5 locations. First Imperial Credit Union's CD rates are 17% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

First Imperial Credit Union is open to those who work, worship or live in Imperial County, California. Immediate families of existing First Imperial CU members are also eligible to join.
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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.



Health

Health Grade Components

Overall
NCUA #68356
Year Chartered1942
Employees24
Primary Regulator
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD12.34%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$115.3MM$104.2MM
LoansQ2 2018vs Q2 2017$89.6MM$74.4MM
DepositsQ2 2018vs Q2 2017$97.2MM$92.4MM
Equity CapitalQ2 2018vs Q2 2017$11.2MM$9.9MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.2MM$844.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.1MM$721.00K
Real Estate OwnedQ2 2018vs Q2 2017$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
1.75%$50-Summer Saver
1.00%*$100k*-No Term IRA Account
OTHER TIERS: 0.10% $50 - $2.5k | 0.30% $2.5k - $10k | 0.50% $10k - $25k | 0.70% $25k - $50k | 0.80% $50k - $100k
0.80%$50-Holiday 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
0.40%*$50k*-Money Market Account
OTHER TIERS: 0.10% $1k - $10k | 0.20% $10k - $25k | 0.30% $25k - $50k

First Imperial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%$100k-60 Month Jumbo Share Certificate
2.50%$500-60 Month Share Certificate
2.30%$100k-48 Month Jumbo Share Certificate
2.25%$500-48 Month Share Certificate
2.05%$100k-36 Month Jumbo Share Certificate
2.00%$500-36 Month Share Certificate
1.80%$100k-24 Month Jumbo Share Certificate
1.75%$500-24 Month Share Certificate
1.30%$100k-18 Month Jumbo Share Certificate
1.25%$500-18 Month Share Certificate
1.05%$100k-12 Month Jumbo Share Certificate
1.00%$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

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 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
Branch Office123 W Barioni BlvdImperial, CA 92251
Branch Office380 E Aten Rd Rm 209Imperial, CA 92251

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