Back to El Centro credit unions

Corazo

P O Box 3247, El Centro, CA 92244
NCUA Insured4.2 (134 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1942

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P O Box 3247

El Centro, CA 92244

Service Area

This credit union is located in El Centro and serves members in the CA area. Currently serving 23,567 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.74%

Used Auto Loan

8.24%

Personal Loan

14.24%

Credit Card APR

9.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.2

134 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Brenda Rios

Brenda Rios

7 months ago

I just want to give a huge thank you to Nicholas for always being so helpful over the past few years. His customer service is truly outstanding. I genuinely appreciate the way he consistently goes above and beyond to assist me, no matter the situation. I know I can be a bit difficult at times, but Nicholas always shows incredible patience and professionalism. He always has an answer for my questions and takes the time to make sure I understand everything. I really hope his supervisor recognizes the amazing work he does—thank you, Nicholas, from the bottom of my heart!

Maricela Renteria

Maricela Renteria

9 months ago

I called First Imperial Credit Union regarding a late payment. The issue was, I had not setup automatic payments, Nicholas assisted me & activated auto-pay for me. Also I had an issue on how to activate my bank card, I like two months unable to activate this card & Nicholas also assisted me on this in a minute. This young man has a great customer service, very helpful, respectful, very good customer service. It was a pleasure speaking with you Nicholas.

mike cazares

mike cazares

7 months ago

I've spoken with maria (contact center representative 2) on the mobile application and I'm having a issue with my account which I understand is my fault but I wanted to speak with someone over the phone so I can properly explain the problem I'm having. I asked maria 2 separate times for a phone number so I can speak with someone but she refused to answer the question.

antonio romero

antonio romero

9 months ago

I want to thank Nicholas for his awesome customer service and his we'll mannered professionalism on his role. We need more people like him in all types of business. Sincerely and Respectfully Jose Romero Viasun Corporation Safety Manager.

Sean Payton

Sean Payton

9 months ago

Awful customer service! I accepted an Auto Loan through FICU when purchasing a new vehicle. I decided to go into this branch to get my payment information since none of it was provided. I walked in and was stopped by a representative at the curved desk (no hello, didn’t ask for my name and didn’t ask if I needed help). She was so unhelpful that I was actually shocked. She gave me my information on a business card… instead of having me talk to a sales or service person. In the brief conversation, I mentioned looking into transferring my accounts and getting another loan. She seemed uninterested. BTW there were only 2 customers in the branch at that time and both were at the Teller, not with others so it had nothing to do with being busy. Im amazed at the lack of service this CU offers and surprised that they have little interest in helping their members. This location needs a reevaluation of management if this is acceptable practice from their employees.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).