1 s t Q u a r t e r 2 0 1 6 President/CEO Message 2015 is now behind us and your credit union had a great year in growth and financial stability. We had many accomplishments and our El Centro headquarters expansion was just one of them. We also opened a satellite branch at Imperial Valley College to be able to provide financial education and services on site. In addition, we recently updated our website and we would like to encourage you to spend just a few minutes clicking on the various tabs and links to see how user friendly it is. We hope that our new site will become your best source to locate information on products and financial services. We work hard to provide the highest quality service to our members. We recently conducted a member survey and we were pleased to hear the majority of members tell us that our staff consistently provides great service. Others rank our electronic access as the best due to the secure convenience of our internet banking and related online/mobile products and services. We want you to take pride in belonging to a credit union that proves year after year that we care and support the well-being of our communities. Your credit union donates thousands of dollars as well as days of cumulative volunteer time to strengthen the cities we serve. We have many exciting plans for 2016, and as we grow our commitment is that we will not adopt a “big bank” attitude. You’ll always be able to talk to us when you need to, and you can rest assured our decisions will continue to be made based on what it best for current and future members collectively. Thank you for being a member of First Imperial Credit Union. Did you know that you can now apply for an FICU loan online? Visit our website at www.ficu.com for a quick and easy way to apply for an auto, credit card or personal loan at the time that’s convenient for you! It’s a quick and easy process and the response times are fast too. Apply today! Short on time? You can even use your mobile device to apply. Simply log on to www.ficu.com via your mobile device, click on the loan section and apply. Quick and Easy! Coming Soon We will be reopening on Saturdays! Visit our El Centro Branch on Saturdays from 9AM to 1PM Starting February 1, 2016. Mark Your Calendar We will be closed on the following holidays: Martin Luther King Day Monday, January 18, 2016 President’s Day Monday, February 15, 2016 Our Website Has Been Updated! See current rates and promotions anytime. Our new site is user friendly and packed with information on our products and services. Visit our site to find out the latest that is happening at FICU. Apply ONLINE
Transcript
1st Quarter 2016
President/CEO Message2015 is now behind us and your credit union had a great year in growth and financial stability. We had many accomplishments and our El Centro headquarters expansion was just one of them. We also opened a satellite
branch at Imperial Valley College to be able to provide financial education and services on site. In addition, we recently updated our website and we would like to encourage you to spend just a few minutes clicking on the various tabs and links to see how user friendly it is. We hope that our new site will become your best source to locate information on products and financial services.
We work hard to provide the highest quality service to our members. We recently conducted a member survey and we were pleased to hear the majority of members tell us that our staff consistently provides great service. Others rank our electronic access as the best due to the secure convenience of our internet banking and related online/mobile products and services.
We want you to take pride in belonging to a credit union that proves year after year that we care and support the well-being of our communities. Your credit union donates thousands of dollars as well as days of cumulative volunteer time to strengthen the cities we serve.
We have many exciting plans for 2016, and as we grow our commitment is that we will not adopt a “big bank” attitude. You’ll always be able to talk to us when you need to, and you can rest assured our decisions will continue to be made based on what it best for current and future members collectively. Thank you for being a member of First Imperial Credit Union.
Did you know that you can now apply for an FICU loan online? Visit our website at www.ficu.com for a quick and easy way to apply for an auto, credit card or personal loan at the time that’s convenient for you! It’s a quick and easy process and the response times are fast too. Apply today!
Short on time? You can even use your mobile device to apply. Simply log on to www.ficu.com via your mobile device, click on the loan section and apply. Quick and Easy!
Coming SoonWe will be reopening on Saturdays! Visit our El Centro Branch on Saturdays from 9AM to 1PM Starting February 1, 2016.
Mark Your CalendarWe will be closed on the following holidays:
Martin Luther King DayMonday, January 18, 2016
President’s Day Monday, February 15, 2016
Our Website Has Been Updated!See current rates and promotions anytime. Our new site is user
friendly and packed with information on our products and services. Visit our site to find out the latest that is happening at FICU.
Apply ONLINE
EL CENTRO OFFICE 1602 W. Main Street El Centro, CA 92243
Toll Free: (877) 352-1540 Phone: (760) 352-1540
Fax: (760) 352-1887
BRAWLEY OFFICE409 W. Main StreetBrawley, CA 92227
Phone: (760) 351-2988 Fax: (760) 351-2336
CALEXICO OFFICE 2534 Rockwood Ave. Unit 1A
Calexico, CA 92231 (across from Wal-Mart) Phone:(760) 357-5117
IMPERIAL VALLEY COLLEGE OFFICE 380 E. Aten Rd. RM 209
Imperial CA 92251 Phone: (760) 355-1163
Business HoursMonday, Tuesday, & Thursday
9:00 a.m. to 5:00 p.m.
Wednesdays 10:00 a.m. to 5:00 p.m.
Fridays9:00 a.m. to 6:00 p.m.
Saturdays9:00 a.m to 1:00pm
(El Centro Only. Effective 2/1/16) Drive-up open regular Business Hours
24 Hour Audio Teller (E-Z Teller)(888) 362-2093
Password Needed (760) 352-1540
W E B S I T E A D D R E S S
www.ficu.comSign up for free home banking access online
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Current Loan Rates as low as:New Auto Loans 1.99% APR*
Used Auto Loans 2.24% APR*
New Recreational Vehicles 8.99% APR*
Used Recreational Vehicles 9.49% APR*
Premier Creditline 11.99% APR*
Regular Creditline 12.99% APR*
Signature Loans 8.99% APR*
Debt Consolidation Loans: 9.99% APR*
Call or come see us for current mortgage loan rates!*Loan rates subject to change at any time.
SAVE MONEY IN 2016! If your resolution is to save money, First Imperial Credit Union wants to make it easy! Here are some of the products and services we offer our members to help them save in 2016:
No Auto Loan Payment for 90 Days! Start the New Year off by cozying up with some extra
cash! Make no monthly payments on your auto loan for 90 days! We will also reduce your existing rate by 2%! At FICU we accept all credit and even if your credit score is less than perfect, we will do our best
to work with everyone that applies. Auto Refinance offer excludes existing FICU loans. Your loan rate will not
be reduced to less than 3% APR). Members must provide documentation acceptable to credit union of their existing rate and term with another lender to
qualify for the 2% rate discount. $5,000 minimum loan amount required, no cash out, and maximum loan to value financed is 115% of Kelly Blue Book and/or NADA
Suggested Retail. All vehicles financed are subject to inspection; offer applies to 2009 and newer models only. Subject to credit approval and membership eligibility requirements apply. Any other loan discount will not apply. Other restrictions may apply. First payment may be delayed up to 90 days after the loan is funded. Interest will start to accrue on the day the loan is funded. Offer good until 2/29/16.
Open a Loyalty Checking Account and stop paying to use your money!Monthly service fees can really add up, and why pay to use your own money? The FICU Loyalty Checking Account is the best checking account in the Imperial Valley! It’s the only one that offers NO monthly service fees, NO minimum balance required and NO ATM/Debit Card transaction fees. Just add direct deposit and you will benefit from all these great features. Direct deposit is required; if direct deposit is cancelled for more than 60 days, the account will be converted to a regular checking account (see Truth in Savings disclosure for account details and fees). No surcharge or FICU fees will apply for ATM/Debit card transactions conducted on FICU and CO-OP ATM machines. Merchant fees may apply on POS transactions as well as an ATM surcharge from the owner of the ATM.
Tax Relief LoanNeed help with your 2015 Tax payment? FICU can Help! Starting in February, apply for a Tax Relief Loan to help you ease the burden. Promotion good through April 30, 2016.
Home Mortgage Loans with no appraisal costs!We are now offering new and improved home mortgage programs which include financing for FHA, 30, 20 and 15 year loans. Plus, we are waiving the appraisal cost! For more information visit our website at www.ficu.com or contact one of our loan officers. With our new programs, members will be able to save time, reduce costs, and you can apply online for a fast and easy pre-approval! For owner occupied first mortgages only. Offer good for one appraisal up to $400 on the condition that the mortgage funds or closes through First Imperial Credit Union. Rates based on creditworthiness. Mortgage options subject to change without notice. Membership required. Borrower
is responsible for the appraisal up front and will be reimbursed upon closing or funding of the loan. May not be combined with any other offer and is non-transferable.
Offer available for applications taken from 1/01/2016 through 03/31/2016. Subject to approval. Certain restrictions and fees may apply.
