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Toll Free: 1-877-352-1540
Routing Number: 322276305

Deposit Rates

Current Rates

New Auto
5.49%
APR*
Used Auto
5.74%
APR*
First Time Auto Buyer
9.49%
APR*
Home
5.706%
APR*
VISA Platinum
9.99%
APR*
SAVINGS ACCOUNTS
ACCOUNT NAME
RATE TYPE
MINIMUM OPENING BALANCE
MINIMUM TO EARN DIVIDEND
DIVIDEND RATE
ANNUAL PERCENTAGE YIELD
REGULAR SAVINGS
5 - 10,000
Variable
$5
$5
0.050%
0.05%
10,001+
Variable
$5
$5
0.100%
0.10%
RAINY DAY SAVINGS
5 - 10,000
Variable
$5
$5
0.050%
0.05%
10,001+
Variable
$5
$5
0.100%
0.10%
EMERGENCY SAVINGS
5 - 10,000
Variable
$5
$5
1.736%
1.75%
KIDS CLUB
5 - 10,000
Variable
$5
$5
0.050%
0.05%
10,001+
Variable
$5
$5
0.100%
0.10%
SEASONAL
Holiday Saver
(MATURITY NOV. 1)
Fixed
$50
$50
3.203%
3.25%
Scholar Saver
(MATURITY APR. 1)
Fixed
$50
$50
2.716%
2.75%
Summer Saver
(MATURITY JUL. 1)
Fixed
$50
$50
2.716% 
2.75%
MONEY MARKET ACCOUNTS
ACCOUNT NAME
RATE TYPE
MINIMUM OPENING BALANCE
MINIMUM TO EARN DIVIDEND
DIVIDEND RATE
ANNUAL PERCENTAGE YIELD
1,000 - 10,000
Variable
$1,000
$1,000
0.349%
0.35%
10,001 - 25,000
Variable
$1,000
$1,000
0.648%
0.65%
25,001 - 50,000
Variable
$1,000
$1,000
0.698%
0.70%
50,001 +
Variable
$1,000
$1,000
0.747%
0.75%
CERTIFICATE ACCOUNTS
ACCOUNT NAME
RATE TYPE
MINIMUM OPENING BALANCE
MINIMUM TO EARN DIVIDEND
DIVIDEND RATE
ANNUAL PERCENTAGE YIELD
3 Month
Fixed
$500
$500
2.472%
2.50%
6 Month
Fixed
$500
$500
2.667%
2.70%
12 Month
Fixed
$500
$500
2.716%
2.75%
12 Month Promotion
Fixed
$500
$500
4.169%
4.25%
Smart Saver
(1% over 12 mo Certificate)
Fixed
$500
$500
3.687%
3.75%
18 Month
Fixed
$500
$500
2.716%
2.75%
24 Month
Fixed
$500
$500
2.960%
3.00%
36 Month
Fixed
$500
$500
3.203%
3.25%
48 Month
Fixed
$500
$500
3.445%
3.50%
60 Month
Fixed
$500
$500
3.687%
3.75%
JUMBO CERTIFICATE ACCOUNTS
ACCOUNT NAME
RATE TYPE
MINIMUM OPENING BALANCE
MINIMUM TO EARN DIVIDEND
DIVIDEND RATE
ANNUAL PERCENTAGE YIELD
3 Month
Jumbo
Fixed
$100,000
$100,000
2.521%
2.55%
6 Month
Jumbo
Fixed
$100,000
$100,000
2.716%
2.75%
12 Month Jumbo
Fixed
$100,000
$100,000
2.765%
2.80%
18 Month Jumbo
Fixed
$100,000
$100,000
2.765%
2.80%
24 Month Jumbo
Fixed
$100,000
$100,000
3.008%
3.05%
36 Month Jumbo
Fixed
$100,000
$100,000
3.251%
3.30%
48 Month Jumbo
Fixed
$100,000
$100,000
3.494%
3.55%
60 Month Jumbo
Fixed
$100,000
$100,000
3.735%
3.80%
INDIVIDUAL RETIREMENT ACCOUNTS
ACCOUNT NAME
RATE TYPE
MINIMUM OPENING BALANCE
MINIMUM TO EARN DIVIDEND
DIVIDEND RATE
ANNUAL PERCENTAGE YIELD
12 Month IRA
Fixed
$500
$500
3.203%
3.25%
18 Month IRA
Fixed
$500
$500
3.445%
3.50%
24 Month IRA
Fixed
$500
$500
3.687%
3.75%
NO TERM
50 - 2,500
Variable
$50
$50
0.100%
0.10%
2,501 - 10,000
Variable
$50
$50
0.200%
0.20%
10,001 - 25,000
Variable
$50
$50
0.399%
0.40%
25,001 - 50,000
Variable
$50
$50
0.598%
0.60%
50,001 - 100,000
Variable
$50
$50
0.698%
0.70%
100,001+
Variable
$50
$50
0.896%
0.90%
Rates subject to change at any time.
Effective September 1, 2025 - Deposit Rates
This Rate Schedule states rates applicable to specified account and fees common to all accounts. This schedule is incorporated as part of your account agreement with First Imperial Credit Union.

For the purpose of disclosure, the dividend rate and annual percentage yield state for the term deposit accounts were offered within the most recent seven calendar days and were accurate as of date shown below.  The dividend rate reflected will be paid on the balance in each tier. Please call (760) 352-1540 to obtain current rate information.

As of Effective September 1, 2025, the Credit Union may declare anticipated dividends as indicated in these tables.