Business Details
Your Trusted Financial Partner in El Centro, CA
First Imperial Credit Union has been dedicated to serving the financial needs of our community since our founding. We operate with a member-first philosophy, offering a comprehensive range of financial products including savings accounts, auto loans, home loans, and credit cards. Our team of experienced professionals is committed to providing personalized service that empowers individuals and families to achieve their financial goals. Through competitive interest rates and flexible loan programs, we strive to make banking accessible and beneficial for all our members. Our community involvement extends beyond financial services, as we actively support local initiatives and educational programs.With multiple branch locations and surcharge-free ATMs across the Imperial Valley, we ensure convenient access to banking solutions. Our digital banking platform allows members to manage accounts, deposit checks, and transfer funds from anywhere at any time. We maintain strict compliance with financial regulations and prioritize the security of our members' information. Our credit union volunteers contribute time and resources to strengthen the communities we serve. By combining modern technology with traditional values of trust and integrity, we aim to be the most reliable financial partner for generations to come.
Services
Auto Loans
Home Loans
Savings Accounts
Credit Cards
Certificate Accounts
IRA Accounts
Online Banking
ATM Services
Loan Refinancing
Mobile Banking
Highlights and features
- We offer auto loan rates as low as 5.49% APR* with flexible terms up to 84 months.
- Our community involvement includes local scholarship programs and volunteer initiatives.
- We provide surcharge-free ATM access through the CO-OP Network nationwide.
- Our digital banking app enables convenient mobile check deposits and fund transfers.
- We maintain transparent fee schedules and no hidden charges for all services.
Services
Auto Loans
First Imperial Credit Union offers competitive auto loan rates with terms up to 84 months. We provide financing for both new and used vehicles, including options for first-time buyers and refinancing. Our loan programs include tax, license, and insurance coverage for comprehensive financial solutions.
Savings Accounts
We provide various savings accounts including regular, emergency, and specialized accounts for children and seasonal savings. All accounts earn monthly dividends with no monthly fees. Minimum balance requirements start at $5 for most account types.
Home Loans
Our home loan program features competitive rates starting at 5.750% APR* with flexible terms. We offer financing for primary residences, refinancing options, and assistance with DMV paperwork. Loan amounts and terms vary based on property type and borrower qualifications.
Credit Cards
We offer multiple credit card options including VISA Platinum, Gold, and Starter cards. Rates start at 9.99% APR* with both secured and unsecured options available. Our cards provide convenient payment solutions with various benefits and protections.
Online Banking
Our digital banking platform enables members to manage accounts 24/7 through mobile and online channels. Features include check deposits, fund transfers, bill payments, and account management tools. The mobile app provides convenient access to financial services from any location.
Questions
What are your current auto loan rates?
New auto loan rates start at 5.49% APR* with terms up to 84 months. Used auto rates begin at 5.74% APR*.
How can I access my account after hours?
Our online and mobile banking platforms provide 24/7 account access for transactions and account management.
Do you offer services for first-time car buyers?
Yes, we provide specialized loan programs for first-time buyers with rates starting at 9.49% APR*.
Where can I find surcharge-free ATMs?
We offer surcharge-free withdrawals through our branch ATMs and the CO-OP Network nationwide.
What savings account options do you provide?
We offer regular, emergency, kids' accounts, and seasonal savings options with no monthly fees.
How do I report a lost or stolen card?
Call (888) 241-2440 for after-hours card reporting or contact our local number during business hours.
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