Credit union · NCUA insured
Sun Community Federal Credit Union
A $896.5M credit union headquartered in El Centro, CA, with 55,062 members and 8 branches in California. Best rates: CDs 3.85% and savings 0.80% APY.
Sun Community Federal Credit Union Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#2 of 6 in El Centro, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sun Community Federal Credit Union
Founded in 1954 and headquartered in El Centro, California, Sun Community Federal Credit Union is a member-owned financial institution.
The credit union operates nine branches serving the Imperial and Coachella Valley areas of California.
- Headquarters
- 1068 Broadway Ave, El Centro, CA 92243-2315
- NCUA charter
- 9296
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live, work, worship, or volunteer in the Imperial and Coachella Valley areas of California.
Branches
8 branches in California
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California
8 branches
El Centro area · 6
- El Centro BranchMain office1068 Broadway Ave, El Centro, CA 92243Directions
- Brawley Branch1080 S Brawley Ave US Highway 86, Brawley, CA 92227Directions
- Calexico Branch2536 Rockwood Ave, Calexico, CA 92231Directions
- Calipatria Branch141 W Main St, Calipatria, CA 92233Directions
- Holtville Branch100 E 5th St, Holtville, CA 92250Directions
- Imperial Branch201 N Imperial Ave, Imperial, CA 92251Directions
Riverside area · 2
- Indio Branch82195 Avenue 42, Indio, CA 92203Directions
- Palm Springs Branch1717 E Vista Chino Ste J10, Palm Springs, CA 92262Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.40% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.25% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.26% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio8.40%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.25%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.26%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ 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 Sun Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.