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First Imperial Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.50%5-year CD60 Month Share Certificate
2.90% - Goldman Sachs Bank USA High-yield 5 Year CDAdvertisement
0.65%1-year CD12 Month Share Certificate
1.80% - Ally Bank No Penalty 11-Month CDAdvertisement
0.10%SavingsRainy Day Savings
1.65% - Barclays Online Savings AccountAdvertisement
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Overview / Commentary
www.ficu.com
760-352-1540
1602 W Main St
El Centro, CA 92243-2232

First Imperial Credit Union is headquartered in El Centro and is the 146th largest credit union in the state of California. It is also the 1,515th largest credit union in the nation. It was established in 1942 and as of March of 2018, it had grown to 21 employees and 17,447 members at 5 locations. First Imperial Credit Union has an A health rating.

Field of Membership Restrictions

First Imperial Credit Union of California is open to the residents, church members, and the people that maintain employment throughout Imperial County along with the direct family members of current credit union members.
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Reviews (3)

Filled With Lies

Posted by: Robert Duarte | Jun 21, 2016

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.

1

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.

5

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.

4


Health
A

Data as of Q1 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #68356
Year Chartered1942
Employees21
Primary Regulator
Profit Margin
Return on Assets - YTD1.5%
Return on Equity - YTD15.1%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$112.4MM$101.2MM
LoansQ1 2018vs Q1 2017$84.3MM$66.9MM
DepositsQ1 2018vs Q1 2017$99.5MM$90.1MM
Equity CapitalQ1 2018vs Q1 2017$11.0MM$9.8MM
Loan Loss AllowanceQ1 2018vs Q1 2017$976.00K$763.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$872.00K$832.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-No Term IRA Account
OTHER TIERS: 0.10% → $50 - $2,500 | 0.30% → $2,500 - $10k | 0.50% → $10k - $25k | 0.70% → $25k - $50k | 0.80% → $50k - $100k
0.80%$50-Holiday Saver
0.80%$50-Summer Saver
0.10%*$10k*-Regular Share
OTHER TIERS: 0.05% → Up to $10k
0.10%*$10k*-Rainy Day Savings
OTHER TIERS: 0.05% → Up to $10k
0.10%*$10k*-Kids Club
OTHER TIERS: 0.05% → Up to $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
2.00%$25k-18 Month Flash Share Certificate Special
1.80%$100k-24 Month Jumbo Share Certificate
1.75%$500-24 Month Share Certificate
0.75%$100k-18 Month Jumbo Share Certificate
0.70%$500-18 Month Share Certificate
0.70%$100k-12 Month Jumbo Share Certificate
0.65%$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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