First Imperial Credit Union

Rated star_ratedstar_ratedstar_rated_halfstar_normalstar_normal by Credit Guide
Review based on 12 criteria Rating: 2.5 out of 5

P O Box 3247, El Centro, CA 92244

Website

(760) 352-1540

Data Source: NCUA, December 31, 2016


First Imperial Credit Union was founded in 1942. Headquartered in EL Centro, California, First Imperial Credit Union is a state chartered and federally insured credit union, being chartered in California and insured through the National Credit Union Share Insurance Fund (NCUSIF). First Imperial Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, First Imperial Credit Union services 15,413 members through its 3 offices and branches and 22 full-time and 33 part-time employees. It has $95,364,070 of total assets and $10,157,441 of net worth. Based on its asset size and net worth ratio, First Imperial Credit Union is classified as a Well Capitalized medium credit union.

First Imperial Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. First Imperial Credit Union also provides an array of services to its members and local communities. First Imperial Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of First Imperial Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in California and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of California
Median of USA
Checking
0.0000
0.0000
0.0000
Savings
0.0500
0.1000
0.1200
Money Market
0.3000
0.1900
0.2500
Certificate Deplit
0.7500
0.5500
0.5800
IRA
0.7000
0.4500
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of California
National Median Rates
Credit Cards
9.9900
10.0400
9.9900
Unsecured Line of Credits
12.9900
10.9900
10.9500
Short-term Small Amount
n/a
28.0000
25.0000
Student Loans
n/a
5.7500
6.0200
New Car Loans
4.4900
3.0000
3.3300
Used Car Loans
5.4900
3.7400
4.5000
1st Mortgage Real Estates
4.4400
4.0300
4.2500
Other Real Estates
4.4400
4.7400
4.7000

First Imperial Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by First Imperial Credit Union.

Electronic Banking Service Offerings

Membership Application
No
No
Share Account Transfers
Yes
New Loan Application
No
Share Draft Orders
Yes
No
New Share Account
No
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
Yes
Yes
View Account History
Yes
No

As a community financial institution, First Imperial Credit Union actively involves in local communities by prliding services such as financial education.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
Yes
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
No
Insurance/Investment Sales
No
First Time Homebuyer Program
No
Brawley Branch
409 W Main St
Brawley, CA 92227-2244
Phone:760-351-2988

Calexico Branch
2534 Rockwood Ave Unit 1-a
Calexico, CA 92231
Phone:760-357-5174

Main Office
1602 W Main St
El Centro, CA 92243-2232
Phone:760-352-1540

(760) 352-1887

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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