First Imperial Credit Union Rates and Review January 2026
Compare First Imperial Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of First Imperial Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityFirst 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 CD rates or other rates available. Have you opened an account or have any experiences at First Imperial Credit Union? Share your experience about First Imperial Credit Union by leaving a review below, or read customer reviews before you decide to use First Imperial Credit Union. Overall, First Imperial Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Classic
11.900%
VISA® Credit Cards
7.990%
VISA® Classic
12.960%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Loans
11.000%
$0
37 - 60
Unsecured Signature Loan
10.250%
$0
37 - 60
Access Line Of Credit
16.240%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have First Imperial Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: First Imperial Credit Union
Website: https://www.ficu.com
Full Time Employees: 58Part Time Employees: 9 President: Alexis Araujo CEO: Fidel Gonzalez Branch Locations: 4 ATM Locations: 4 Corporate Office Address:
1602 W Main St
El Centro, CA 92243 2232 Phone Number: 760-352-1540 Fax Number: 760-352-1887 FinancialsTotal Assets:
219,647,617
Total Amount of Shares and Deposits:
184,558,184
Total Shares and Deposits < 1 Year:
167,265,267
Total Shares and Deposits 1 3 Years:
11,267,541
Total Shares and Deposits > 3 Years:
6,025,376
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
18,349,210
Total Uninsured Shares and Deposits > $250K (F+J):
18,349,210
Total Insured Shares and Deposits > $250K (item 17 less item K):
166,208,974
Total Interest Expense (Sum of items 6 8):
2,138,982
Share Certificates:
788
Number of Accounts for Share Drafts:
14,474
IRA KEOGH Accounts:
259
Number of Accounts for Regular Shares:
24,188
All other shares:
1,586
Money Market Shares:
85
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
7,875,590
Total Liabilities:
186,867,942
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About First Imperial Credit UnionIs a member application needed to join First Imperial Credit Union?Yes, to access services at First Imperial Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, First Imperial Credit Union provides a range of mortgage and home equity products. Is First Imperial Credit Union a safe place to deposit money?Yes, First Imperial Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does First Imperial Credit Union offer online and mobile banking?Most modern institutions like First Imperial Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 0.90%, 6-month CD rates at 2.53% and 3-month CD rates at 0.25%. Savings rates are at 0.50% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 7.40%. Credit Card rates are at 17.04%. Personal Loan rates are at 10.00%. All these rates, and more, can be found in our database of rates which you can compare to 
