First Imperial Credit Union is headquartered in El Centro and is the 127th largest credit union in the state of California. It is also the 1,310th largest credit union in the nation. It was established in 1942 and as of December of 2021, it had grown to 25 employees and 20,339 members at 4 locations. First Imperial Credit Union has an A+ health rating.
First Imperial Credit Union is open to anyone who lives, works, or worships in Imperial County. Immediate family of existing credit union members are also eligible.
See current membership details
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.
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.
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.
Overall | |
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NCUA # | 68356 |
Year Chartered | 1942 |
Employees | 25 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 2.75% |
Return on Equity - YTD | 25.54% |
Annual Interest Income | $6.5MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q4 2021vs Q4 2020 | $181.8MM$158.6MM |
Loans | Q4 2021vs Q4 2020 | $102.9MM$96.6MM |
Deposits | Q4 2021vs Q4 2020 | $160.1MM$142.1MM |
Equity Capital | Q4 2021vs Q4 2020 | $19.4MM$14.7MM |
Loan Loss Allowance | Q4 2021vs Q4 2020 | $944.00K$1.7MM |
Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $696.00K$913.00K |
Real Estate Owned | Q4 2021vs Q4 2020 | $0$0 |
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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.25%* | $50k* | - | Money Market Account | ||
OTHER TIERS: 0.10% → $1k - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $50k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
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 | ||
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Branch Office | 1020 S Brawley Ave | Brawley, CA 92227 |
Branch Office | 1602 W Main St | El Centro, CA 92243-2232 |
Branch Office | 1010 Cole Blvd | Calexico, CA 92231 |
Branch Office | 123 W Barioni Blvd Ste D | Imperial, CA 92251 |