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Open a Platinum Rewards Visa. Earn 5,000 points!

Open a Platinum Rewards Visa. Earn 5,000 points!

When was the last time you were rewarded... simply for making a move that will save you money? Right now when you open a Platinum Rewards Visa at E-Central, you can earn 5,000 bonus ScoreCard Reward points*!

Earn ScoreCard Reward Points
Earn 5,000 bonus ScoreCard Rewards points simply for opening your new Platinum Rewards Visa. Promotion ends June 30, 2014, so act now! Earn one point for every dollar charged. Use your Platinum Rewards Visa for daily necessities like gas, groceries, dining, and watch points add up fast! Use your new Platinum Rewards Visa to consolidate other card balances into ONE easy payment at our great low rate. Earn one point for every dollar transferred. There are no balance transfer fees, so it's free!

Rates as low as 10.99% APR**
Let's get right to the point. With generous credit lines, great low rates, zero liability for unauthorized purchases, plus up to 5,000 extra Rewards Points, there's never been a better time to get a Platinum Rewards Visa from E-Central.

*To receive 5,000 ScoreCard Rewards Points, you must be approved and accept offer by E-Central before June 30, 2014 and make at least one transaction by July 31, 2014. **APR = Annual Percentage Rate. All loan rates, terms, and conditions subject to change. "As low as" rates listed are our best rates on approved credit. APR will vary with the market based on the Prime Rate.


Used Auto Sales Event — April 1 to May 31, 2014

Used Auto Sales Event - April 1 to May 31, 2014

E-Central has once again partnered with Enterprise Car Sales to offer you an incredible selection of affordable cars, trucks, vans and SUVs, coupled with special discounted loan rates and great value for your trade-in during the sales event.

  • Special Used Car Rates as low as 2.24% APR*
  • And, Enterprise will appraise your vehicle using Kelley Blue Book® Trade-In Value and ADD $1,000!**

Remember, the special discount rate and trade-in offer are ONLY upon purchase at the Enterprise sales event, which ends May 31, 2014. Contact us today to get pre-approved! To find an Enterprise location near you or to view current inventory, call 866.227.7253 or visit www.cuautodeals.com.

*Used Car Rates as low as 2.99% APR for top tier borrowers with terms up to 36 months (2.99% rate includes a .50% discount for E-Central Checking, Direct Deposit and automatic payment combination). Other factors in determining rate may include credit score and year of vehicle. Payment example: $10,000 at 2.99% for 36 months is an estimated payment of $290 per month. Member's approved loan rate will be further reduced by 0.75% when Member purchases a vehicle through Enterprise and finances with E-Central Credit Union. **Kelley Blue Book Trade-In Values used by Enterprise are obtained from © 2014 Kelley Blue Book Co.'s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. If a Kelley Blue Book Trade-In value is not available for customer's vehicle Enterprise will provide a fair and competitive value for customer's vehicle. Additional trade-in value of $1,000 is available only on passenger vehicles and light duty trucks, with a Kelley Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC, TX, VA and Washington, D.C. Offer valid from 4/1/2014 - 5/31/2014. No cash advances. Cannot be combined with any other offers. Used vehicles previously part of Enterprise short-term rental and lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other.

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Want to Get Rid of PMI? Talk to Us About a Re-Fi!

Want to Get Rid of PMI? Talk to Us About a Re-Fi!

With the recent rises in home values in California, you might be able to make your mortgage payment a little smaller and more affordable.

If you originally financed your home with a down payment of less than 20%, you're probably paying Private Mortgage Insurance (PMI). You may be able to eliminate this extra expense, which can be $200 to $300 per month (based on .05 to 1% of your loan amount), by refinancing at E-Central.

By reviewing your current loan and estimating your property value in today's real estate market, our in-house mortgage experts can tell you if you may be able to eliminate PMI. If your home has gone up in value, and you now have 20% equity or more, you may be able to get a new loan from E-Central — at today's low rates — with no PMI required. Whether you choose a 5, 7, or 10-year adjustable rate mortgage, or a 15, 20, or 30-year fixed rate loan, you might reduce your payment by more than the cost of your PMI! Call or stop by E-Central today. Our Home Loan experts can explain all your best options.

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An Insurance "Check-Up" Could Save You Big Bucks.

An Insurance

As a member-owned credit union, E-Central is always looking for ways to save you money. If you haven't compared your insurance costs recently — for auto, home, and life — we recommend a quick insurance check-up.

E-Central has been working with TruStage to help Members save on a wide range of insurance services, made possible through the TruStage Insurance Agency. TruStage offers special group discounts for credit union members that can cut your premiums significantly. Some members may be able to save $400 or more per year on auto insurance alone!

Our friends at TruStage will be happy to give you a free quote over the phone or online. Call 1.855.483.2149 and take the first step to saving today!

TruStage™ is a marketing brand used to identify products offered through CMFG Life Insurance Company and programs offered through CMFG Life insurance agencies to credit union members.

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Holiday Reminder

The Credit Union will be closed to celebrate the following holidays:

New Years Day:
Wednesday, January 1, 2014

M L King Day:
Monday, January 20, 2014

Washington's Birthday:
Monday, February 17, 2014

Memorial Day:
Monday, May 26, 2014

Independence Day:
Friday, July 4, 2014

Labor Day:
Monday, September 1, 2014

Columbus Day:
Monday, October 13, 2014

Veteran's Day:
Tuesday, November 11, 2014

Thanksgiving Day:
Thursday, November 27, 2014

Christmas:
Thursday, December 25, 2014


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