First Imperial Credit Union Imperial CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First Imperial, your trusted financial partner located at 123 W Barioni Blvd Ste D, Imperial, CA 92251. Established in 1942, we have proudly served our community for over 80 years. With a strong commitment to our members, we strive to provide personalized banking solutions tailored to your needs. At First Imperial, we believe that every member deserves access to quality financial services. Our current membership stands at an impressive 22,849, reflecting the trust and loyalty of our community. We are dedicated to ensuring that your financial journey is smooth and rewarding. With total assets exceeding $206 million and total deposits of $8,912,360, we maintain a robust financial foundation that allows us to offer a range of services from auto loans and mortgages to personal loans and credit cards with rewards. We currently manage 10,718 loans and leases, demonstrating our ability to support your borrowing needs effectively. Our CEO, Fidel Gonzalez, along with Board President Victor Torres, leads a team of 64 employees who are passionate about helping you achieve your financial goals. Whether you need assistance with opening an account or exploring loan options, our knowledgeable staff is here for you. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: P O Box 3247, El Centro, CA 92244-3247. We invite you to explore our services further by visiting our website at www.ficu.com or calling us directly at 760-352-1540. Your financial success is our mission let's work together toward a brighter future!

Branch History & Mission

Join Us

As we continue this journey together with our members, we invite you to experience the benefits of being part of First Imperial. Whether you're looking for reliable banking options or seeking ways to improve your financial health, we are here for you. Come visit us or give us a call at 760-352-1540 let's work together towards your financial success!

Our Mission

Our mission at First Imperial is simple yet powerful: to enhance the financial well-being of our members while fostering a sense of community. We strive to deliver a range of personal banking services such as checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards that cater to the diverse needs of our membership. We believe in giving back to our community. Through various outreach initiatives and partnerships with local organizations, we aim to support those around us. Our commitment extends beyond just financial transactions; we are here to help build brighter futures. While members can visit us at 123 W Barioni Blvd Ste D, official correspondence should be sent to P O Box 3247, El Centro, CA 92244-3247 if necessary. We welcome you during our lobby hours: Monday through Tuesday and Thursday from 9:00 AM to 5:00 PM; Wednesday from 10:00 AM to 5:00 PM; and Friday from 9:00 AM to 6:00 PM.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch is fully ADA compliant, featuring ramps and designated parking spaces to accommodate everyone. Whether you're coming in for personal banking services or just to ask questions, you'll find our location welcoming and easy to navigate.

Convenient Services

While visiting the branch, take advantage of our ATM availability for quick cash withdrawals and balance checks. We provide a range of personal banking services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and much more all designed with your needs in mind. While members can visit us at our physical address for all their banking needs, please note that any official correspondence should be sent to our mailing address at P O Box 3247, El Centro, CA 92244-3247. We invite you to come experience the friendly service and commitment to community that First Imperial stands for. Stop by today or give us a call we're here to help you achieve your financial goals!

Operating Hours

At First Imperial, we understand that life can be busy. That's why we offer flexible hours to fit your schedule! Our lobby is open Monday, Tuesday, and Thursday from 9:00 AM to 5:00 PM, with extended hours on Friday until 6:00 PM. On Wednesdays, we open slightly later at 10:00 AM but still close at 5:00 PM. You can always reach us at (760) 352-1540 if you have any questions before your visit.

Member Eligibility

At First Imperial, we believe in building a community where everyone can thrive together. Becoming a member is easy and opens the door to a world of benefits tailored just for you. If you live, work, worship, or attend school in the Imperial County area, you're already eligible to join us! We welcome individuals from various backgrounds and financial needs, ensuring that everyone feels at home here. For complete details about our eligibility criteria, feel free to check out this resource. Once you've confirmed your eligibility, opening an account with us is a straightforward process. Simply visit our website or give us a call at (760) 352-1540 for assistance. Our friendly team is ready to help you every step of the way as you embark on this journey with First Imperial. Join us today at our branch located at 123 W Barioni Blvd Ste D Imperial Ca 92251, and discover how we can support your financial goals!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

In addition to loans, we offer merchant services that make daily transactions smooth and efficient. Picture this: your customers can easily pay via credit card or mobile payment, enhancing their experience while streamlining your operations. Our services allow you to focus more on what you do best running your business while we handle the financial aspects. Located at 123 W Barioni Blvd Ste D Imperial Ca 92251 in Imperial, CA, we're here to help you thrive. For more information about how we can assist your business, call us at (760) 352-1540 today!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. Imagine having the financial backing you need to purchase new equipment, invest in marketing, or hire additional staff. With our tailored loan solutions, you can turn your vision into reality.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM services provide easy access for withdrawals and balance checks whenever you need them. With locations available near you, getting cash has never been easier. We invite you to explore all these services and more at Imperial Branch. If you have questions or need assistance, don't hesitate to reach out at (760) 352-1540. We look forward to helping you achieve your financial goals!

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options can help make that dream a reality. With competitive rates and flexible terms, getting behind the wheel has never been simpler. Picture yourself cruising down the road in a car you love, knowing that you secured an excellent deal with our support.

Business Banking

For our entrepreneurial members, our business banking services include merchant services and business loans tailored specifically for small businesses. Whether you're starting a new venture or looking to expand an existing one, we are here to support your goals.

Credit Cards with Rewards

Earn while you spend! With our credit cards featuring rewards, every purchase brings you closer to exciting benefits like travel points or cashback offers. It's a great way to make the most out of your everyday expenses just imagine redeeming those points for something special!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at First Imperial, we offer robust online and mobile banking solutions. Access your accounts anytime from anywhere! You can easily manage transactions, pay bills, and transfer funds with just a few taps on your phone.

Mortgage Loans & Refinancing

If homeownership is on your horizon or you're considering refinancing your existing mortgage, we've got you covered with our mortgage loans and refinancing options. We understand that buying a home is one of the biggest decisions you'll make, which is why we guide you through every step, ensuring you feel confident about your choices.

Personal Banking

Whether you're opening your first checking account or looking to grow your savings, our personal banking services are designed with you in mind. We offer both checking and savings accounts that come with no hidden fees, making it easier for you to manage your finances. Imagine having a reliable place to store your money while earning interest this is exactly what we strive to provide.

Personal Loans & Debt Consolidation

Life can be unpredictable, and sometimes unexpected expenses arise. Our personal loans provide quick access to cash when you need it most, whether it's for medical bills or home repairs. Additionally, if you're struggling with multiple debts, our debt consolidation service can simplify your payments into one manageable monthly bill.

Digital & Online Banking

Convenience at Your Fingertips

Our mobile payments feature allows you to make purchases quickly and securely right from your phone. Want to send money to a friend? Our person-to-person transfer option makes it easy to split bills or send gifts without any hassle. No matter where life takes you, First Imperial ensures that managing your finances is accessible and straightforward. Experience the freedom of real-time account management with our innovative digital banking tools. Visit us online today and see how we can help simplify your banking experience!

Key Services

With our online banking services, you can access your accounts 24/7. Whether you need to check your balance, pay bills, or transfer funds, everything is just a few clicks away. Plus, our mobile application makes it even simpler to stay connected on the go. Security is always a top priority at First Imperial. We utilize electronic signature authorization for added protection when signing documents online. You can also opt for e-statements, which not only keep your information safe but also help reduce clutter and make it easier to track your finances.

Financial Strength

Growing Community Trust

We have established trust within our community with a total of 39,705 share accounts, demonstrating a strong and growing member base that relies on us for their financial needs. Our net shares available for lending and investments stand at $5,211,077, showing that we have the capacity to grow alongside you. In 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 123 W Barioni Blvd Ste D Imperial Ca 92251 or call (760) 352-1540 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $-$3,413, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 50 full-time employees and 14 part-time employees who are dedicated to serving you with a knowledgeable team.

Reinvestment for Growth

Our commitment to reinvesting in our services is evident with $25,185,354 in undivided earnings. This allows us to enhance innovative banking tools, strengthen lending options, and improve security measures to serve you better. We support your financial goals with $3,666 in used auto loans and $167,970,736 in total loans and leases.

Solid 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. Our net worth ratio of 13.34% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services 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. We provide flexible terms that fit your budget and lifestyle. Whether you're interested in financing a brand-new model or a reliable used option, we've got you covered.

Credit Lines

For those looking for more flexibility in their borrowing needs, we provide credit lines totaling $23,000,000. This option allows you to access funds when needed without taking out a separate loan. At First Imperial, we're committed to offering personalized service and competitive rates. If you're considering refinancing or want to explore eligibility options for any of our loan products, don't hesitate to reach out. Our knowledgeable staff will assist you every step of the way. For more information on our services or to start your application process today, visit our website at First Imperial or call us directly at 760-352-1540. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Our team is here to guide you through the process and help you understand your eligibility for various programs.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $5,382,697 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards that can benefit your everyday spending.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to transparency means you receive fair and accurate offers. Each lender featured has been vetted for legitimacy, ensuring that users are presented with genuine loan opportunities.

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