You deserve the BEST—Join FICU today!

Imagine a credit union whose focus is to help the community. At FICU we are just that! A community oriented, local, not-for-profit organization owned by our members and winner of the IVP Readers' Choice Best/Bank Credit Union.  We are not a big bank yet we offer many, if not all, of the products and services you would find in one. Our profits are used to provide better banking services, lower interests on loans, higher dividend rates and giving back to the community.

When you become a member, you become part of our FICU family and we are happy to share our resources with you to make you a better saver and borrower. Joining is simple and we invite you to join our more than 20,000 members because we're more than a bank, we're your credit union.


How to Join


Credit Union Membership Requirements

Membership is open to anyone who meets one of the following:

  • Live, work, or worship in the Imperial County 
  • Live, work, or worship in the following cities of Riverside County: Banning, Beaumont, Blythe, Cathedral City, Coachella, Desert Hot Springs, Indian Wells, Indio, La Quinta, Palm Desert, Palm Springs, Rancho Mirage, Thermal, or Thousand Palms
  • Relative of a person within our field of membership.
    • Relative must be: Spouse, mother, mother-in-law, father, father-in-law, son, son-in-law, daughter, daughter-in-law, stepchildren, adopted children, sister, sister-in-law, brother, brother-in-law, grandfather, grandmother, grandson, granddaughter.

Once your membership eligibility has been verified, you will need the following to open your account:

  • Name
  • Address
  • Date of Birth
  • Social Security Number
  • Government issued photo ID with current mailing address*
  • A $5 deposit into a savings account


The Benefits of Ownership

Our members instantly become part owners of FICU and that’s because our members own FICU, not shareholders. The only people who profit from our membership are our members because at FICU members come first.  Any income that is generated is returned to members through products and services.


The Benefits of Membership

  • Low or no fees for accounts and services
  • Lower loan rates and higher savings yields
  • A team dedicated to providing exceptional member service
  • Vote to elect fellow members to the Board of Directors
  • Each member is an equal owner of the credit union
  • Online and Mobile banking with eServices including: Bill Pay, Mobile Check Deposit and eStatements
  • Dedicated Mobile App for iOS and Android devices
  • Deposits insured up to $250,000 by NCUA
  • CO-OP ATM Network with over 30,000 surcharge-free ATMs


*If your photo ID does not have your current mailing address or no address at all, bring in your most recent utility bill. No utility bill? Let’s talk about it, give us a call at 760-352-1540, option 0, send us an email to or stop by our one of our branches for a list of other acceptable documents.

Additional Content

Current Rates

Current rates
New Auto 5.24% APR*
Used Auto 5.99% APR*
First Time Auto Buyer 9.49% APR*
Tax Relief 9.24% APR*
VISA Platinum 9.99% APR*