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 124th largest credit union in the state of California. It is also the 1,303rd largest credit union in the nation. It was established in 1942 and as of June of 2023, it had grown to 32 employees and 22,081 members at 4 locations. First Imperial Credit Union's CD rates are 3X the national average, and it has a B+ 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.
See current membership details

Related Posts

5.50% APY 12-Month CD In Newly Expanded Field Of Membership - 6/5/2023

12-month Promotional CD, 5.50% APY, $10,000 minimum deposit. Residents of 14 Riverside County cities (including Indian Wells, Palm Desert, and Palm Springs) are now eligible to join First Imperial CU.

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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: |

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 - YTD1.34%
Return on Equity - YTD11.34%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$186.5MM$187.0MM
LoansQ2 2023vs Q2 2022$137.6MM$110.7MM
DepositsQ2 2023vs Q2 2022$163.0MM$163.5MM
Equity CapitalQ2 2023vs Q2 2022$22.1MM$20.4MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$743.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.3MM$766.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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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

1.75%$5$10kEmergency Savings
1.00%$50-Holiday Saver
1.00%$50-Summer Saver
1.00%$50-Scholar 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
0.10%*$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

0.50%*$50k*-Money Market Account
OTHER TIERS: 0.35% $1k - $10k | 0.40% $10k - $25k | 0.45% $25k - $50k

First Imperial Credit Union CD Rates

4.30%$100k-60 Month Jumbo Share Certificate
4.25%$500-60 Month Share Certificate
4.05%$100k-48 Month Jumbo Share Certificate
4.00%$500-48 Month Share Certificate
3.80%$100k-36 Month Jumbo Share Certificate
3.75%$500-36 Month Share Certificate
3.55%$100k-24 Month Jumbo Share Certificate
3.50%$500-24 Month Share Certificate
3.30%$100k-18 Month Jumbo Share Certificate
3.25%$500-18 Month Share Certificate
3.05%$100k-12 Month Jumbo Share Certificate
3.00%$500-12 Month Share Certificate
2.80%$100k-6 Month Jumbo Share Certificate
2.75%$500-6 Month Share Certificate
2.55%$100k-3 Month Jumbo Share Certificate
2.50%$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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