First Imperial Credit Union

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

First Imperial Credit Union is headquartered in El Centro and is the 141st largest credit union in the state of California. It is also the 1,451st largest credit union in the nation. It was established in 1942 and as of September of 2019, it had grown to 27 employees and 19,208 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 credit union members are also eligible to join.
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: |

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 - YTD1.14%
Return on Equity - YTD11.27%
Annual Interest Income$5.1MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$122.5MM$117.7MM
LoansQ3 2019vs Q3 2018$94.5MM$91.5MM
DepositsQ3 2019vs Q3 2018$107.4MM$104.5MM
Equity CapitalQ3 2019vs Q3 2018$12.5MM$11.5MM
Loan Loss AllowanceQ3 2019vs Q3 2018$2.0MM$1.5MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$1.4MM$1.3MM
Real Estate OwnedQ3 2019vs Q3 2018$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

1.75%$50-Holiday Saver
1.75%$50-Summer Saver
1.75%$50-Scholar Save
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
0.10%*$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

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

First Imperial Credit Union CD Rates

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

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 Office1010 Cole BlvdCalexico, CA 92231
Branch Office123 W Barioni Blvd Ste DImperial, CA 92251
Branch Office380 E Aten Rd Rm 209Imperial, CA 92251

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