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Imperial Credit Union

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Imperial Credit Union Rates & Review April 2026

Q: How many branches does Imperial Credit Union operate?

Imperial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Imperial Credit Union?

Yes, to access services at Imperial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Imperial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Imperial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 18, 2026

You can compare Imperial Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.80%, 6-month share certificate rates at 3.95% and 3-month share certificate rates at 0.50%. Savings rates are at 0.02% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.16%. All these rates can be compared to Imperial Credit Union rates. MonitorBankRates evaluates the financial stability of Imperial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.56%. Rates were last updated on 04/18/2026.

Imperial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Imperial Credit Union? Share your experience about Imperial Credit Union by leaving a review below, or read customer reviews before you decide to use Imperial Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.56%

Excellent Higher than avg

Imperial Credit Union
Main Office

1130 S 16th St
Springfield, IL 62703 2643

https://www.imperialcreditunion.org

Current Rate Availability

We do not have Imperial Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Imperial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Imperial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Imperial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Imperial Credit Union

Website https://www.imperialcreditunion.org

Address 1130 S 16th St, Springfield, IL 62703 2643

Phone 217-481-6381

Fax 217-787-2444

President DARPHY HARRIS

CEO Victoria Johnson

Full-Time Employees 0

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.56%

Return on Assets (ROA)

-0.0610%

Return on Equity (ROE)

-0.7860%

Non-Performing Loans Ratio (NPL)

5.61%

Total Assets

73,742

Total Amount of Shares and Deposits

68,017

Total Shares and Deposits < 1 Year

68,017

Total Insured Shares and Deposits > $250K (item 17 less item K)

68,017

Total Interest Expense (Sum of items 6 8)

Number of Accounts for Regular Shares

210

Net Income (unless the amount is already included in Undivided Earnings)

-45

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

30,807

Total Liabilities

68,017

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Imperial Credit Union yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Imperial Credit Union

Is Imperial Credit Union a safe place to deposit money?

Yes, Imperial Credit Union is considered a safe financial institution. With a Texas Ratio of 8.5611393026682%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Imperial Credit Union operate?

Imperial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Imperial Credit Union?

Yes, to access services at Imperial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Imperial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Imperial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Imperial Credit Union offer online and mobile banking?

Most modern institutions like Imperial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.imperialcreditunion.org.