At a glance
From its website, read 2 Nov 2026Corazo Credit Union is a credit union based in El Centro, California. Its website describes auto loans, commercial real estate loans, home mortgages and 2 other loan types. It says it considers borrowers with low or no credit history. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (877) 352-1540 source |
|---|---|
| Lending | (760) 352-1540 source |
| Apply online | Page with the application link |
| Website | www.ficu.com |
| Office (official list) | 1602 W Main St, El Centro, CA 92243 |
What their website says about applying
Below are the documents you'll need to assist in funding your auto loan promptly:
sourceSimply bring us your existing contract so we can get the process started.
sourceBelow are the documents you'll need to assist in closing your mortgage loan promptly:
sourceApply online today to explore how we can support your business growth.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | As low as 4.84% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | As low as 10.49% (based on amount) | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | As low as 12.99% | source |
| Auto / vehicle loans | Term: see their wording | Terms up to 84 months | source |
| Commercial real estate loans | Term: up to 20 yr | Fixed interest rates with terms up to 20 years | source |
| Small-business loans | Term: up to 5 yr | Fixed interest rates with terms up to 5 years | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
No minimum credit score required
source - First-time homebuyer program
Flexible First Time Buyer Loan Program
source - Membership required
Must qualify for Corazo Credit Union membership.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Mar 2016 |
| RSSD ID | 222875 |
| Address | 1602 W Main St, El Centro, CA 92243 Directions (Google Maps) |
| Website | www.ficu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages do not state a service area, and the credit union's membership eligibility details were not among the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Whether you're buying your first car, upgrading your ride, or refinancing from another lender, we offer some of the lowest auto loan rates. | source |
| Commercial real estate loans | — | Expand or upgrade your business premises with flexible terms. | source |
| Home mortgages | — | Whether you are looking to purchase your first home, refinance your existing mortgage loan or just want to tap into the equity you have already built up in your home | source |
| Personal / consumer loans | — | Debt Consolidation | source |
| Small-business loans | — | Whether you need funds for expansion, inventory, or working capital, we offer tailored solutions to meet your financial needs. | source |
Loan sizes
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
Spanish speaking support available
source
Online application
Yes — the site links to an application. Apply online today to explore how we can support your business growth.
source
Pages read (7)
- https://www.corazocu.com/
- https://www.corazocu.com/loans/business/
- https://www.corazocu.com/loans/secured/auto/
- https://www.corazocu.com/loans/secured/home/
- https://www.corazocu.com/rates-fees/loan-rates/
- https://www.corazocu.com/services/loan-services/
- https://www.corazocu.com/loans/secured/recreational-vehicle/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and small-business loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.4 million in 3 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $625,000 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as CORAZO (charter 68356). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $243.6 million (as of 30 Jun 2026) |
|---|---|
| Members | 23,687 (as of 30 Jun 2026) |
| Offices | 6 (as of 30 Jun 2026) |
Offices by state and county (6)
California (6 offices)
- Imperial County (5): 1602 W Main St, El Centro 92243 (main office); 1020 S Brawley Ave, Brawley 92227; 1010 Cole Blvd, Calexico 92231; 123 W Barioni Blvd, Imperial 92251; 123 W Barioni Blvd Ste D, Imperial 92251
- Riverside County (1): 79825 Highway 111, La Quinta 92253
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Corazo Credit Union (NCUA charter 68356, filed as “CORAZO”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $178.6 million, 11,404 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 6.0% from $168.5 million on 30 Jun 2025 |
| Members | 23,687 (as of 30 Jun 2026); 22,941 (as of 30 Jun 2025) |
| Loans per member | $7,538 (total loans divided by members, 30 Jun 2026) |
| Total assets | $243.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $60.9 million | 34.1% |
| Used vehicle loans | $82.7 million | 46.3% |
| First-lien home mortgages (1-4 family) | $6.4 million | 3.6% |
| Other real estate loans (junior liens, other) | $5.9 million | 3.3% |
| Commercial (business) loans | $2.8 million | 1.6% |
| Credit cards | $5.7 million | 3.2% |
| Other unsecured loans | $13.4 million | 7.5% |
| Leases and other secured loans | $781,602 | 0.4% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $243.6 million | Larger than 40% of the 25 other certified credit unions in California (median $613.8 million). |
| Loans as a share of assets | 73% | Median of the same 25 credit unions: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $168.5 million → $178.6 million (+6%) | Median change of 24 other certified credit unions in California: +4%. Rank by loans held among these 25: 14 → 14. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in California | 25 | larger than 40% |
| Loans held then vs now | certified credit unions in California reporting both dates | 24 | rank 14 → 14 of 25 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in El Centro and California
- Sun Community Federal Credit UnionCredit union · El Centro, CAOfficial list only
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
Work at Corazo Credit Union? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.