Credit union · NCUA insured
Corazo Credit Union
Top CarrotA $241.8M credit union headquartered in El Centro, CA, with 23,794 members and 4 branches in California. Best rates: CDs 4.55% and savings 2.75% APY.
Corazo Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#1 of 6 in El Centro, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Corazo Credit Union
Established in 1942 as Imperial Federal Credit Union in Imperial County, California, the credit union transitioned to state-chartered First Imperial Credit Union in 1998 and rebranded as Corazo Credit Union in 2025.
Designated as a CDFI, MDI, and Low Income institution, Corazo serves more than 23,000 members across Imperial County and 14 cities in Riverside County.
- Headquarters
- 1602 W Main St, El Centro, CA 92243-2232
- NCUA charter
- 68356
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to all who live, work, or worship in Imperial County.
- Membership is open to all who live, work, or worship in 14 cities in Riverside County (Banning, Beaumont, Blythe, Cathedral City, Coachella, Desert Hot Springs, Indian Wells, Indio, La Quinta, Palm Desert, Palm Springs, Rancho Mirage, Thermal, and Thousand Palms).
Branches
4 branches in California
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California
4 branches
- Main OfficeMain office1602 W Main St, El Centro, CA 92243Directions
- Brawley Branch1020 S Brawley Ave, Brawley, CA 92227Directions
- Calexico Branch1010 Cole Blvd, Calexico, CA 92231Directions
- Imperial Branch123 W Barioni Blvd Ste D, Imperial, CA 92251Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.01% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.51% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.68% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio14.01%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.51%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Corazo Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.