Over the years, the credit union has made many changes including names and slogans. Our credit union currently holds a community charter and is now a state regulated financial institution. First Imperial Credit Union was the first credit union established in the Imperial Valley, and we have been serving members now for more than 75 years.
One thing we will never change is the credit union philosophy "People helping people". We invite you to come and experience the First Imperial Credit Union difference where "We're more than a bank, we're your credit union." First Imperial Credit Union is proud to share our rich history, strong core values, and continued growth through our Annual Report.
One thing we will never change is the credit union philosophy "People helping people". We invite you to come and experience the First Imperial Credit Union difference where "We're more than a bank, we're your credit union." First Imperial Credit Union is proud to share our rich history, strong core values, and continued growth through our Annual Report.
Services
24/7 account access with eServices including Online and Mobile banking, Bill Pay and eStatements*. A direct deposit is defined as a member's salary or wages, Social Security, pension, or other regular fixed income electronically deposited through the Automated Clearing House (ACH) network by an employer or an outside agency.
Advantage of getting taxed only once, rather than twice (or more) as with a regularly-taxed investment account. Student will not owe tax on any withdrawal from account as long as it is equal to or less than the child's education expenses (at an eligible educational institution). A Traditional IRA offers potential tax-deductible contributions and the opportunity for your earnings to grow tax-deferred until they are withdrawn in retirement.
FICU has some of the lowest auto loan rates in Imperial County. We refinance vehicles from other financial institutions and provide different loan programs to fit your needs. We also offer pre-approvals which puts you in a better position to bargain the price of the car with the dealership, without worrying about the financing.
A Visa Credit Card is your ticket to making just about any purchase, anytime, anywhere. Accepted in over 150 countries and at 800,000 ATMs, it's the leading payment card in the world. Make purchases big and small, with a line of credit of up to $30,000, and enjoy some of the best credit card rates out there.
As an FICU member, you can get exceptional rates and receive the same exceptional service from our lending team. For more information regarding our special offers, contact us at 760-352-1540, option 0, chat with us via the Mobile App or Online Banking, or visit any one of our four conveniently located branches.
Reviews (11)
Christina Hernandez
Dec 15, 2021
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I dislike this El Centro branch. I applied for a fast cash loan on Thursday. Called the branch on Friday to be told I had to wait 24 to 48 hours before someone calls me. So on Monday I call about 1 pm to check the status of this loan please keep in mind my loan was placed at 10:46 am (online) once again I was told 24-48 hours. So, I told the receptionist that it had been over 48 hours. She then tells me someone will differently call me back before end of business day today. Of course no call back so I call at 4:30 to be told that no one was answering in the loan department. O' and apparently you
Corina Mata
Oct 19, 2021
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The ATMs never work sometimes you start a transaction on one and it will Take your money say It can’t read your bills And keep the money instead of dispensing it back out and it won’t even reflect on your account and then you have to Wait days for them to POSSIBLY return that money to you. Also for some reason I’m never able to use my debit card for Apple Pay or for automatic payments. Horrible banking.
Elsa Pradis
May 13, 2021
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Joel
Jan 26, 2021
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Breanne Canalez
Jan 22, 2021
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We have been trying to call for both making a car payment as well as calling for online banking customer service. It took us hours (calling at different times) to get ahold of someone to help. When we asked what was the best time to talk to someone, the representative told us just to try until we got lucky. It's understandable that they are short staffed but there is no reason to be rude to their customers.
Jenniferyamile Gonzalez
Dec 22, 2020
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Resume Bank
Nov 12, 2020
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Marilyn Burt
Sep 10, 2020
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I have had an account here since I was 4 years old and I am way past 65. I have never had a bad experience with them. It would be helpful if the website had a list of extensions for the services offered as it's hard to enter an extension if we don't know what it is. That would necessitate previous contact with the person to whom you need to speak and that is not always the case. I will never switch banks unless I move out of El Centro.
Charles Robbins
Aug 03, 2020
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This credit union gave me a savings account that I have had for many years now. They allowed me to keep it with only a $5.00 balance in it for years. There was a time when I did not have an extra dollar to save, and this account was my only means of cashing my occasional check. They helped me through the worst financial period of my life. Great people work here. Give them a try, you will not be disappointed.
As far as the complaints about the phone service? You must be joking. When there is no one available to answer the phone, I always get a call back, promptly, when I leave them my name and
As far as the complaints about the phone service? You must be joking. When there is no one available to answer the phone, I always get a call back, promptly, when I leave them my name and
Angelica D.
Jul 07, 2020
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This place has always had excellent customer service. I went about a month ago, but it was closed (by appointment only) due to COV-19. The lady that worked there asked me if I had an appointment, I told her no but I needed to do some deposits with privacy, so she let me in to handle my work. She is awesome, I recommend this place over Wells Fargo. The customer service is great
Thank you First Imperial for my banking services.
Thank you First Imperial for my banking services.
Salvador Beltran
Jun 08, 2020
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