Refinance your Auto Loan. Earn $100. Skip your Next Payment
If lower car payments are still on your wish list, park your loan at E-Central! To make your New Year happier, we're extending our $100 reward for refinancing your car loan from another lender with us. In addition to a $100 reward and saving money every month, you'll enjoy a 45-day break on making your first payment. Offer ends February 29, 2012.
Loan must be $10,000 or greater to qualify for $100 reward. Loan must fund before 2/29/12. All loans subject to credit approval. The amount of actual rate reduction will vary based on creditworthiness and current loan rate from an outside financial institution. Refinanced rate not to go below current best new car rate. Not available to refinance existing E-Central loans. Must be a Member in good standing.
back to topSign up for E-Statements. Win an Amazon Kindle Fire!
Sign up for E-Statements and you'll be entered to win a new Amazon Kindle Fire. To get started, just log on to Internet Banking and find the Account Alerts logo. Offer ends March 31, 2012.
When you sign up for E-Statements you can also choose to activate several convenient e-alerts, such as:
- An Alert each time a check has cleared or a deposit is received
- Alerts confirming recent ATM or Visa debit card transactions
- Reminders when your next loan payment is due or when your Certificate is going to mature
- And more!
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 starts January 1, 2012 and ends March 31, 2012. 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 Switch to E-Statements drawing. Only one alternate entry per person. Entries must be received by March 31, 2012. 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 - 1:1,000. 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.
0% Financing Does Not Always Mean Lower Payments!
With just about every car manufacturer offering 0% or some other special low rate, you might believe that this is the best deal for you to keep your payments low. On the contrary, even after you settled on a price with the salesperson, there are possible rebates and ancillary products that affect the amount you are financing. Ask these questions and know this information to ensure an affordable payment:
- Is there a rebate? In lieu of any special financing, many manufacturers will offer a cash rebate instead, which reduces the amount you are financing. In many cases it is better to combine the rebate with Credit Union financing.
- What does the dealer charge for GAP? On average, dealer's charge about $800, and can reach up to $1,000, for the same coverage the Credit Union offers at $275. The difference in savings alone can drop your payment $10 - $12 per month.
- What does the dealer charge for the extended warranty? The Credit Union offers an extended warranty like product, but at 50% - 75% savings to you. Depending on the make and model of the car, the Credit Union's product can range from $500 - $800, while a dealer's extended warranty can range on average from $2,000 to $3,000. The monthly difference in payment can be from $20 - $40.
In general, dealers make more money selling you add-on and ancillary products like GAP and extended warranties than they do selling you a new car. As a rule, for every $1,000 you adjust the amount you plan to finance, you are adding or subtracting about $20 a month in payment (based on a 5 year loan). And as another rule, it's always best to get pre-approved at your Credit Union before you go shopping. That way you know what you can afford. If you are presented with a tempting offer from the dealer, just call us and we'll review it to see if it's truly a great deal. Plus, we'll try our best to beat that deal!
Save 25% on Real Estate Commissions
Through HomeBenefitsPlus, E-Central Members can save 25% of the commission earned for either purchasing or selling a home, paid to you at closing+. Before you call an agent, call E-Central Credit Union or HomeBenefitsPlus toll-free at 888.603.9563 for more information.
+Rebates may be paid as credit in escrow or check after closing, with your lender's permission and subject to State and Federal laws.
Open a Checking Account. Get Free Checks!
Make a resolution to reduce banking fees in 2012. Switch over to E-Central Credit Union! To thank you for opening a new E-Free checking account, you'll receive a free box of checks. Our E-Free Checking has no monthly service fees or minimum balance requirements. You'll also enjoy a free debit card and access to over 28,000 fee-free ATMs nationwide, plus FREE Internet Banking and Bill Pay services. Sign up today!
Good news for California real estate. The FHA has raised the limit for government backed home loans to $729,750. Down payments can be as low as 3.5%. Contact one of our Home Loan professionals for details.
Save thousands in real estate commission through our HomeBenefitsPlus program. You can save 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, call E-Central Credit Union or HomeBenefitsPlus toll-free at 888.603.9563 for more information.
ATMs Near You... And Free to You
As an E-Central Member, you have access to more than 28,000 surcharge-free ATMs located at other credit unions, 7-Eleven Convenience Stores, and Costco Warehouses. Through the CO-OP ATM Network, you can access your funds just about anywhere. So when you see another credit union, 7-Eleven, or Costco think E-Central!
You can find the nearest ATM by:
- Clicking here
- Texting 692667 (MYCOOP) and include your address, intersection, or zip.
- Downloading our free Mobile Banking App on iTunes.
For more information, give us a call today at 626.799.6000. Our new online mortgage application is easier than ever. Apply Here.
Do you have an iPhone? Then we have an app for you. It's our free mobile banking app. Manage your account, view balances, transfer funds, and even find a convenient
ATM all on your iPhone. And best of all, it's free.
To download the app, visit the iTunes store and search for "E-Central Credit Union".
Holiday Reminder
The Credit Union will be closed to celebrate the following holidays:
M L King Day:
Monday, January 16, 2012
President's Day:
Monday, February 20, 2012
Memorial Day:
Monday, May 28, 20121
Independence Day:
Wednesday, July 4, 2012
Labor Day:
Monday, September 3, 2012
Columbus Day:
Monday, October 8, 2012
Veteran's Day:
Friday, November 12, 2012
Thanksgiving Day:
Thursday, November 22, 2012
Christmas:
Tuesday, December 25, 2012
New Years Day:
Tuesday, January 1, 2013