First Imperial Credit Union

A short history of First Imperial CU

Since its inception in 1942 the First Imperial Credit Union has been serving its members in the EL CENTRO, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Fidel Gonzalez, the First Imperial CU has grown its membership to over 16,133 with assets of more than $104,234,357. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (760) 352-1540 or email them at r.gamez@ficu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in EL CENTRO, CA.

General Information For First Imperial CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Compare First Imperial Credit Union To Other Local Credit Unions

Credit Union Name	Branch Name	Address	Zip Code	Phone Number	ATM Access	Distance (Miles)
Sun Community CU	Imperial Branch	201 N Imperial Ave	92251	(760) 336-8675	No	0.17

First Imperial Credit Union Financial Performance Charts

Financial Data

First Imperial Credit Union Lowest Loan Rates With State and USA Rankings

	Unsecured Credit Card	New Car Loans	Used Car Loans	1st Mortgage Loans	Other Real Estate
Rate	9.99	4.74	5.74	4.44	4.44
Mean Rate For All USA Based Credit Unions	10.56	3.72	5.00	4.48	4.95
Rank Among All USA Credit Unions	253	367	414	199	161
Rank Among All California Credit Unions	51	126	139	84	44

First Imperial Credit Union Highest Deposit Rates With State and USA Rankings

	Checking	Regular Savings	Money Market	Certificates of Deposits	IRA/KEOGH
Rate	N/A	0.05	0.30	0.75	0.70
Mean Rate For All USA Based Credit Unions	0.19	0.26	0.29	0.73	0.66
Rank Among All USA Credit Unions	N/A	143	97	215	199
Rank Among All California Credit Unions	N/A	45	24	56	44

First Imperial Credit Union Loans and Leases

Interest Rate

Number of Loans

Amount

Unsecured Credit Card Loans	9.990	1,551	2,856,028
All Other Unsecured Loans/Lines of Credit	12.990	2,718	6,579,748
Short-Term, Small Amount Loans (STS) (Federal CU Only)	0.000	0	0
Non-Federally Guaranteed Student Loans	0.000	0	0
New Vehicle Loans	4.740	374	9,534,990
Used Vehicle Loans	5.740	2,815	43,088,548
Total 1st Mortgage Real Estate Loans/Lines of Credit	4.440	92	11,777,453
Total Other Real Estate Loans/Lines of Credit	4.440	5	23,972
Leases Receivable	0.000	0	0
Total All Other Loans/Lines of Credit	11.990	82	531,005
TOTAL LOANS & LEASES		7,637	74,391,744

First Imperial Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding

Amt of Loans Outstanding

No. of Loans Granted Year- to-Date

Amount Granted Year-To-Date

Fixed Rate
a. > 15 years	30	5,656,990	6	2,567,716
b. 15 Years or less	58	4,365,962	6	1,027,400
Balloon/Hybrid
a. > 15 years	0	0	0	0
b. 15 Years or less	4	1,754,501	1	497,935
Other Fixed Rate	0	0	0	0
Adjustable Rate 1 yr or less	0	0	0	0
Adjustable Rate > 1 yr	0	0	0	0

OTHER REAL ESTATE

Closed-End Fixed Rate	5	23,972	0	0
Closed-End Adjustable Rate	0	0	0	0
Open-End Adjustable Rate	0	0	0	0
Open-End Fixed Rate	0	0	0	0
TOTALS	97	11,801,425	13	4,093,051

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans	0	0		0
Interest Only & Payment Option Other RE/LOC Loans	0	0		0
REVERSE MORTGAGES
a. Federally Insured Home Equity Conversion Mortgage (HECM)	0	0	0	0
b. Proprietary Reverse Mortgage Products	0	0	0	0

First Imperial Credit Union Member Offerings

First Time Homebuyer Program	No
Real Estate Loans	Yes
Pay Day Lending	Yes
Share Secured Credit Cards	Yes
Overdraft Protection/Courtesy Pay	Yes
Overdraft Lines of Credit	Yes
ATM/Debit Card Program	Yes
Interest Only and Payment Option 1st Mortgage Loans	No
Check Cashing	Yes
Money Orders	Yes
No Surcharge ATMs	No
Home Banking Via Internet Website	Yes