First Imperial Calexico CA Credit Union | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to First Imperial, your trusted partner in financial well-being! Located at 1010 Cole Blvd, Calexico, CA 92231, our branch has been serving the community since 1942. With a strong commitment to our members, we proudly support over 22,849 individuals and families with a total asset base of $206,213,533. At First Imperial, we understand that financial decisions can be overwhelming. That's why we offer a variety of services tailored to meet your needs, from personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards. Our dedicated team is here to help you navigate your options and achieve your financial goals. While members can visit us at our Calexico branch, official correspondence should be sent to our mailing address: PO Box 3247, El Centro, CA 92244. We invite you to reach out to us at 760-352-1540 for any inquiries or assistance. Under the leadership of CEO Fidel Gonzalez and Board President Victor Torres, our focus remains on building lasting relationships within the community. We take pride in our sound financial management, highlighted by a net worth of $27,632,167 and total deposits of $8,912,360. Whether you're looking for guidance on loans over 10,718 have been issued or seeking advice on savings strategies, we're here to support you every step of the way. Join us in making a positive impact in Calexico. Visit our website at First Imperial or stop by our branch today! Let's work together towards a brighter financial future for you and your family.

Branch History & Mission

Commitment to Community

First Imperial is more than just a credit union; we are deeply rooted in the community we serve. Through various outreach programs and partnerships with local organizations, we strive to make a meaningful impact. Whether it's through financial education workshops or sponsorships of local events, we're dedicated to giving back and uplifting those around us. While members can visit us at 1010 Cole Blvd, official correspondence should be sent to PO Box 3247, El Centro, CA 92244. Our operating hours are designed with your convenience in mind: Monday through Tuesday and Thursday from 9:00 AM - 5:00 PM, Wednesday from 10:00 AM - 5:00 PM, and Friday from 9:00 AM - 6:00 PM. We also offer drive-thru banking services and ATM availability for added accessibility.

Looking Ahead

As we look towards the future, First Imperial remains committed to embracing technology while ensuring compliance with ADA standards. We offer digital banking solutions like online banking and mobile payments because we understand how important convenience is in today's fast-paced world. We invite you to join First Imperial as a member and experience the benefits of being part of a credit union that truly cares about your financial well-being. Together, let's build a brighter future for ourselves and our community! For more information or to open an account today, visit us online at First Imperial or call us at 760-352-1540.

Our Evolution

Since our inception, First Imperial has marked significant milestones that reflect our dedication to service and community. With total assets reaching an impressive $206,213,533, we have expanded our offerings to include personal banking solutions such as checking and savings accounts, auto loans, mortgage refinancing, and business banking services. Each year, we strive to enhance our products and adapt to the changing needs of our members. Our mission is straightforward: to provide exceptional financial services while fostering a spirit of community support. We believe that everyone deserves access to quality financial resources tailored to their needs. This philosophy drives us every day as we work not only to meet but exceed the expectations of our members.

Branch Location & Accessibility

Accessibility and Features

At First Imperial, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring everyone can enjoy a hassle-free visit. There's ample parking available right outside our doors, making it easy to stop by and take care of your banking tasks. If you prefer banking on the go, you'll be pleased to know that we offer ATM availability for quick cash withdrawals and balance checks anytime you need them. Plus, our drive-thru service allows for simple transactions without leaving your vehicle perfect for those busy days!

Get in Touch

For any questions or assistance, feel free to give us a call at 760-352-1540. Our dedicated team is always happy to help! While members can visit us at 1010 Cole Blvd, official correspondence should be sent to PO Box 3247 in El Centro if needed. Come visit the First Imperial Calexico Branch today we look forward to welcoming you into our community!

Operating Hours

We understand that life can get hectic, which is why we strive to accommodate your schedule. Our lobby hours are from 9 AM to 5 PM on Monday, Tuesday, and Thursday; from 10 AM to 5 PM on Wednesday; and extended until 6 PM on Friday. Whether you're stopping by during your lunch break or after work, we're here when you need us.

Member Eligibility

At First Imperial, we believe that everyone deserves a chance to be part of a caring and supportive community. If you're interested in joining us, you'll be glad to know that membership is open to anyone who lives, works, or worships in the Calexico area, as well as their family members. This means that whether you're just starting out on your financial journey or looking for new ways to manage your money, you can take advantage of our wide range of services designed just for you. Becoming a member at First Imperial is not just about opening an account; it's about joining a family that prioritizes your financial wellbeing. You'll have access to personal banking options, loans, and online services tailored to fit your needs. For more information on how to become a member, check out the eligibility details on our website [here]. When you're ready to open an account, it's easy! Just visit us in person at 1010 Cole Blvd Calexico Ca 92231, or you can start the process online through this link: Account Opening. If you have any questions or need assistance, feel free to give us a call at (760) 352-1540. We're excited to welcome you!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. By choosing First Imperial, you're not just getting a loan; you're gaining a partner dedicated to your success. Whether you're looking to purchase inventory or manage cash flow, our team will work closely with you to find the right solution.

Merchant Services That Make Life Easier

In addition to loans, we offer comprehensive merchant services that streamline transactions and enhance customer experiences. Picture this: a busy Saturday at your store, and your point-of-sale system processes payments effortlessly, allowing you to focus on serving your customers instead of worrying about sales transactions. Our merchant services provide secure payment processing options that fit your business model perfectly. Let us help you take your business further with our expert financial guidance and resources. Visit us at 1010 Cole Blvd Calexico Ca 92231 in Calexico, CA, or call us at (760) 352-1540 to learn more about how we can support your business banking needs today!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, we understand the importance of having reliable financial support. Our business banking services, including merchant services and business loans, are crafted to help you grow and succeed in today's competitive environment.

Convenient Access

We know that convenience matters. That's why we offer various ways to access your accounts and perform transactions. Enjoy online and mobile banking that lets you check balances, pay bills, and make transfers anytime, anywhere. Need cash? Our ATM services provide easy withdrawal options along with balance checks right at your fingertips. For those who prefer face-to-face interactions, our drive-thru service allows for simple transactions like deposits and withdrawals without leaving your car. At First Imperial, we're dedicated to making your financial experience as smooth as possible. We invite you to visit us at 1010 Cole Blvd Calexico Ca 92231 or explore more about our services on our website at Calexico Branch. Let us be your partner in achieving your financial goals!

Loans and Credit Options

Sometimes life presents unexpected challenges that require extra support. Our personal loans and debt consolidation services are designed to provide you with the funds you need while helping you manage existing debt more effectively. Additionally, our credit cards come with rewards programs that allow you to earn points on everyday purchases perfect for those who love to shop!

Personal Banking

Our personal banking services are tailored to fit your lifestyle. Whether you need a simple checking account to manage day-to-day expenses or a savings account to help build your future, we have options that work for you. Imagine being able to easily transfer funds between accounts and track your spending through our user-friendly online and mobile banking platforms. For those considering a new vehicle, we offer competitive auto loans and vehicle financing. With flexible terms and low rates, getting behind the wheel of your dream car is more accessible than ever. If you're thinking about home ownership, explore our mortgage loans and refinancing options that can make owning a home within reach.

Digital & Online Banking

Key Features

One of the standout features of our online banking is the ability to manage your accounts on the go through our mobile application. You can download it easily and start enjoying features like mobile payments, which allow you to make purchases directly from your phone. It's fast and eliminates the need for cash or cards. Need to send money to a friend? With our person-to-person transfer option, you can do that effortlessly, making splitting bills or paying back friends quick and hassle-free. Security is a top priority for us. We utilize electronic signature authorization for certain transactions, ensuring that your sensitive information is protected. Plus, with e-statements available, you can keep track of your finances without the clutter of paper statements. In addition to these features, our online platform allows you to manage real-time account activity. This means you can stay updated on your spending habits and make informed financial decisions on the fly. For those who prefer personal interaction, our friendly team at First Imperial is always here to help. But with all these digital tools at your fingertips, we aim to empower you to take charge of your financial journey with confidence. Explore all our digital banking services today by visiting our website. Experience how easy banking can be!

Financial Strength

Committed Workforce

We take pride in having 50 full-time employees and 14 part-time employees who ensure that our branches are always ready to serve you with a knowledgeable, committed team. With a growing membership base of 39,705, it's clear that more people trust us with their finances every day.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Imperial is your trusted partner. Visit us at 1010 Cole Blvd Calexico Ca 92231 or call (760) 352-1540 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $25,185,354 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is evident as we offer $3,666 in used auto loans and $167,970,736 in total loans and leases, supporting our members' financial goals across various sectors. While we reported a net income of $-$3,413, this reflects our operational efficiency and dedication to providing competitive loan rates and solid financial products for our members.

Member-Centric Savings Options

Members' savings are secured through $45,709,173 in share certificates and $3,403,076 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members; with non-member deposits at $0, our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $27,632,167, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is crucial for fostering trust among our members, ensuring that your savings are secure with us. Our net worth ratio of 13.34% demonstrates a robust capital base, enabling us to provide loans and competitive savings rates without interruption even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $87,044,625 in used vehicle loans and $51,862,757 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used option, our team is here to assist you every step of the way.

Credit Lines and Personal Loans

For those looking for additional flexibility in managing expenses, we provide total credit lines of $23,000,000. These lines are perfect for unexpected costs or planned purchases. Additionally, our unsecured credit card loans amounting to $5,382,697 can help you manage your finances effectively with easy access to funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,367,396, make buying or refinancing simple. We offer competitive rates and flexible terms designed to fit your financial situation. If you're considering refinancing your existing mortgage, let us guide you through the process to ensure you get the best deal possible.

Why Choose Us?

Our dedicated team at First Imperial, located at 1010 Cole Blvd Calexico Ca 92231, Calexico, CA, is ready to help you explore these options further. We pride ourselves on personalized service and a straightforward application process. You can reach us at (760) 352-1540 during our operating hours for more information or to schedule an appointment. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take that next step toward achieving your financial dreams!

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