Platinum Rewards Visa
Earn 5,000 Bonus Points

Think of the thousands of dollars you've spent in recent years on gas, groceries, dining out, and other day-to-day expenses. Now imagine if you had earned rewards points for every dollar of those purchases!
That's the beauty of E-Central's Platinum Rewards Visa — you earn valuable "dollar for dollar" ScoreCard Rewards Points on every purchase. Points add up fast, and can be redeemed for gift cards, travel accommodations, or brand name merchandise.
For a limited time, when you open a new Platinum Rewards Visa, you will earn 5,000 points*! Our Platinum Rewards Visa cardholders enjoy:
- Rates as low as 10.99% APR†
- Reward points for every dollar spent
- No Annual Fee
- No Balance Transfer Fee
*Promotion ends June 30, 2013. To earn initial 5,000 ScoreCard Rewards Points, credit card application must be approved and accepted. Must make first purchase by June 30, 2013 to earn 5,000 bonus points. To earn additional points, you must have an active E-Central Platinum Rewards Visa and open a new Checking Account or fund an Auto Loan or Home Loan during the promotional period. † APR = Annual Percentage Rate. All loan rates, terms, and conditions subject to change. "As low as" Platinum Rewards Visa rates listed are our best rates on approved credit. Other factors in determining rate may include credit score and year of vehicle. APR will vary with the market based on the Prime Rate.

From now through June 30, 2013, an E-Central Platinum Rewards Visa will help you rack up even more points. All you have to do is open a new account or loan at the Credit Union. Take a look at how you could earn 5,000, 10,000, 15,000 or more in ScoreCard Reward points
Earn 5,000 points by opening a new Checking Account
Earn 10,000 points by financing a new or used car
Earn 10,000 points by refinancing a car loan from another lender
Earn 15,0000 points when you fund a Home Loan at E-Central
Mix and match these E-Central services to earn maximum points. Call or stop by E-Central to apply for your Platinum Rewards Visa today!
*Promotion ends June 30, 2013. To earn initial 5,000 ScoreCard Rewards Points, credit card application must be approved and accepted. Must make first purchase by June 30, 2013 to earn 5,000 bonus points. To earn additional points, you must have an active E-Central Platinum Rewards Visa and open a new Checking Account or fund an Auto Loan or Home Loan during the promotional period. † APR = Annual Percentage Rate. All loan rates, terms, and conditions subject to change. "As low as" Platinum Rewards Visa rates listed are our best rates on approved credit. Other factors in determining rate may include credit score and year of vehicle. APR will vary with the market based on the Prime Rate.
Swipe & Sign Your Way to an iPad Mini

With an E-Central Debit Card you have convenient access to your account. It's accepted everywhere Visa is accepted and is safer than carrying cash. Now, during DEBIT DAYS — the entire month of April 2013 — your E-Central Debit Card could be your ticket to a new Apple iPad Mini!
To enter the drawing you must make a minimum of five signature-based debit card transactions during April. With five transactions you'll receive FIVE entries in the iPad Mini drawing. Each additional signature-based transaction after five will earn you an additional entry. The more you use your E-Central Debit Card, the more chances you'll have to win! So get swiping and signing!
If you don't have an E-Central Debit Card, just call us at 626.799.6000.
GENERAL DRAWING RULES: THERE ARE NO ENTRY FEES. NO PURCHASE IS NECESSARY TO WIN. Must be 18 years of age or older to enter. The drawing April 1 and ends April 30, 2013. Winners will be selected via random drawing. Alternate Means of Entry: Send a 3" x 5" card with your name and daytime phone number to: E-Central Credit Union, Marketing Department, 990 S. Fair Oaks Ave., Pasadena, CA 91105. Be sure to write April Debit Days drawing. Only one alternate entry per person. Entries must be received by April 30, 2013. No copies or faxes accepted. Winner need not be present to win. E-Central Credit Union assumes no responsibility for lost, mutilated, or misdirected entries. Odds of winning depend upon the number of eligible entries received. Estimated odds of winning are 1:100 — 1:9,000. To learn who won, send a self addressed stamped envelope to the address above. The winners will be randomly drawn. Prize value is not redeemable for cash. Void where prohibited. Prize is non-transferable. E-Central employees, volunteers, and their family members are not eligible for entry into the drawing. Offer is valid for debit-as-credit purchases made between April 1-30, 2013. To qualify for the drawing, cardholder must make at least 5 transactions. Total transactions equal number of entries. For example, less than 5 transactions equals no entries, 5 transactions equals 5 entries, 6 transactions equals 6 entries, etc. No maximum number of entries.
Enterprise Car Sales Used Car Event

Enterprise Car Sales will appraise your vehicle using Kelly Blue Book Trade-In Value and ADD $750!1 If you are in the market to purchase a vehicle and want to get maximum value for your trade-in, then now is the perfect time.
Even if you don't have a trade-in, Enterprise Car Sales can still help you find that perfect car. Enterprise's commitment to Haggle-free buying and Worry-free ownership® ensures a pleasant buying experience. And, every Enterprise vehicle comes with The Perfect Used Car Package® which includes: 12 Month/12,000 Mile Limited Powertrain Warranty2, Vehicle Certification, 12-Month Roadside Assistance3, free Carfax® Reports and 7-Day Repurchase Agreement2.
You may preview the inventory online by visiting www.cuautodeals.com or by visiting a location in Bloomington, Culver City, El Cajon, Gardena, Huntington Beach, Long Beach, Montclair, Orange, Pasadena, Reseda, Riverside, or Vista. To speak with an Enterprise Car Sales consultant, call 626.395.7800.
1 Upon used vehicle purchase from Enterprise Car Sales. Kelley Blue Book Trade-In Values used by Enterprise are obtained from © 2013 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 $750 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, NE, NM, OK, OR, SC, TX and VA. 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. Offer valid from 2/01/13 — 3/31/13. Copyrights and Trademarks: The "e" logo, Enterprise, and "Haggle-free buying. Worry-free ownership." are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2013 Enterprise Car Sales. 2 Restrictions apply. For details, see an Enterprise Car Sales Manager. 3 Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada.
House Hunting? Rely on E-Central

When buying a home, location and timing are always important considerations. With rates near all-time lows, and home prices starting to rise... it might be the perfect time to lock in a great low rate and monthly payment.
At E-Central, we've recently expanded our real estate lending department to better serve your home buying needs.
E-Central offers:
- Fixed and Adjustable Rate 30-year Mortgages
- Loans for purchases or refinancing
- Home Equity Loans and lines of credit
- New streamlined application process
Save BIG on Real Estate Commission - Real Estate commission can cost you a big chunk of change! HomeBenefitsPlus can save you 25% of the commission earned for either purchasing or selling a home, paid to you at the close of escrow. So before you call an agent or list your home, call E-Central or HomeBenefitsPlus at 888.603.9563 for more information.
Whether you're looking to buy a home or refinance to lock in a great low rate and monthly payment, call (626) 799-6000 or stop by E-Central to speak with one of our friendly real estate experts.
E-Free Checking: Compare, Switch and Save!

With big banks charging $100 to $144 a year in checking monthly service fees, the advantages of membership at E-Central become even more clear. In addition to $0 monthly service charge and no minimum balance required, we offer a free box of checks, access to more FREE ATMs, and a lower overdraft fee. It all adds up to value!

*Competitive information is based on respective bank's web site as of December 1, 2012. For specific fees and charges, refer to respective bank's web site. For all E-Central fees, please refer to our Schedule of Fees and Charges.
Celebrating 70 Years of Service!

You... our members are what make E-Central a great financial partner — for saving, borrowing and convenient 24-hour money management. Thanks to you, our loyal members, E-Central is a safe and secure financial institution that is well capitalized. With a 70-year tradition of service, we look forward to meeting your financial needs for many years to come.
Holiday Reminder
The Credit Union will be closed to celebrate the following holidays:
M L King Day:
Monday, January 21, 2013
President's Day:
Monday, February 18, 2013
Memorial Day:
Monday, May 27, 2013
Independence Day:
Thursday, July 4, 2013
Labor Day:
Monday, September 2, 2013
Columbus Day:
Monday, October 14, 2013
Veteran's Day:
Monday, November 11, 2013
Thanksgiving Day:
Thursday, November 28, 2013
Christmas:
Wednesday, December 25, 2013
New Years Day:
Wednesday, January 1, 2014