First Imperial Credit Union

Headquarters

P O Box 3247
El Centro, CA 92244
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 5.50% →
1-Year CD 0.55% 4.80% →
2-Year CD 1.00% 4.25% →
5-Year CD 1.45% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

First Imperial is an NCUA insured institution located in El Centro, CA. It was founded in 1942 and has approximately $202.78 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 68356
Date Established 1942
Assets $202.78 million
Loans $150.35 million
Deposits $170.88 million
Capital $26.77 million
 

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.

Deposit Rates - November 23, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.95% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.05% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.20% $100,000 $199,999 Learn More
60 Mo CD
1.40% $10,000 $14,999 Learn More
60 Mo CD
1.45% $100,000 $199,999 Learn More

Loan Rates - November 23, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for First Imperial

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
District Lending
NMLS ID: 1835285
6.391% 6.250% 1.00 $4,800 $1,971 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.956% 6.875% 0.63 $2,642 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.225% 7.125% 1.00 $3,200 $2,156 Learn More
CrossCountry Mortgage
NMLS ID: 3029
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.240 %
After Intro: 7.240 %
$0 Learn More
More Info

Note to First Imperial
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are First Imperial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio


First Imperial Locations around zip code 43085


BranchDistance Map View Lobby Hours

Imperial Branch

683.26 A View Lobby Hours

Brawley Branch

1791.31 B View Lobby Hours

Calexico Branch

1794.13 C View Lobby Hours

Main Office

1796.07 D View Lobby Hours


Climate Policy and Initiatives

FIRST IMPERIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

First Imperial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Imperial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
First Imperial U.S. Average
10.57% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, First Imperial had $2,530,109 in non-current loans and $399,142 in owned assets. To cover these potential losses it had $26,769,339 in net worth and $944,789 in loans loss reserves. That gives it a Texas Ratio of 10.57%.

Net Worth
First Imperial U.S. Average
13.14% 13.93%

First Imperial FCU has a net worth of 13.14% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for First Imperial

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