First Imperial Credit Union

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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 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.

Charter Number 68356
Address P O BOX 3247 
State California 
Zip-Code 92244
Phone Number (760) 352-1540
Fax Number (760) 352-1887
Email Address:
CEO/President Fidel Gonzalez
Members 16,133 
Full-Time Employees 22 
Part-Time Employees 32 
Number of Branch Offices
Total Assets 104,234,357 

Compare First Imperial Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
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

Performance Charts

Website Image

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 9.9901,5512,856,028
All Other Unsecured Loans/Lines of Credit 12.9902,7186,579,748
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.7403749,534,990
Used Vehicle Loans 5.7402,81543,088,548
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.4409211,777,453
Total Other Real Estate Loans/Lines of Credit 4.440523,972
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 11.99082531,005
TOTAL LOANS & LEASES 7,63774,391,744

First Imperial Credit Union Real Estate Loans and Lines of Credit


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 305,656,99062,567,716
    b. 15 Years or less 584,365,96261,027,400
    a. > 15 years 0000
    b. 15 Years or less 41,754,5011497,935
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 523,97200
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 9711,801,425134,093,051


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

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