A little bit of information can help you save money. That's why we are educating Members through a series of free webinars in November. Attend one or both workshops. Topics to include, "How to Save Money when Refinancing" and "Homebuyers Workshop".
If lower car payments are on your wish list, then refinance your wheels with E-Central! Earn $100 when you refinance 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 brake on making your first payment. Offer ends December 31, 2014.
Loan must be $10,000 or greater to qualify for $100 reward. Loan must fund before 12/31/14. 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 as of 11/15/14. Not available to refinance existing E-Central loans. Must be a Member in good standing.
Few credit cards have the power to improve your life the way an E-Central Platinum Rewards Visa can. Here are three simple, yet compelling reasons why.
- Low Rate AND Rewards — Enjoy a "best of breed" credit card that saves you money with a low rate while earning reward points with every purchase. Rates are as low as 10.99% APR*.
- No Balance Transfer Fees — Save money! While other credit cards may charge a fee, usually between 3%-5% of the balance transferred, it's free with an E-Central Platinum Rewards Visa.
- Earn up to 10,000 Points** — When you open a new E-Central Platinum Rewards Visa you will earn 5,000 ScoreCard Reward points. Do a balance transfer of at least $1,000, earn another 5,000 points. Special offer ends November 30, 2014.
Reward Yourself with ScoreCard Rewards
Those rewards points add up very quickly, and you can reward yourself — with airline tickets, hotel stays, brand name merchandise, or even gift cards. You'll earn one point for every dollar you charge or transfer to the card!
Transfer Balances, Pay Less Interest!
Paying higher interest rates on department store credit cards? Transfer those balances to your E-Central Platinum Rewards Visa. In addition to reducing your finance charges, you can roll several balances into one easy monthly payment.
*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. **To receive 5,000 ScoreCard Rewards Points, you must be approved and accept offer by E-Central before November 30, 2014 and make at least one transaction by December 31, 2014. To receive an additional 5,000 ScoreCard Reward Points, you must transfer at least $1,000 before December 31, 2014 to your E-Central Platinum Rewards Visa.
Access the equity in your home with an E-Central HELOC with Rate Riser Protection to help pay for things like home improvements or college tuition. What is rate riser protection?
Remember, a HELOC is a variable rate loan, meaning the rate will adjust based on a pre-determined index, such as the Prime interest rate. Within the terms of most HELOC programs there are provisions how often and how much a rate can adjust when the Prime interest changes. For most other lenders, they can adjust your rate and thus your monthly payment on a quarterly basis. That can have a great impact your monthly budget and reduce your cash flow for daily living expenses.
Conversely, our new HELOC with Rate Riser Protection has an annual adjustment with a much lower cap (about half of other lenders); therefore, your payments will stay affordable when the Prime interest rate inevitably starts to rise.
To learn more call us at 626.799.6000 and our mortgage professionals will answer your questions, help you determine if an equity loan is right for you, and guide you through the process.
With nearly 30,000 surcharge-FREE ATMs in North America, the CO-OP network gives E-Central Members more ATMs than Bank of America, Wells Fargo and Chase! Here are four easy ways to locate the ATM nearest you.
- Find an ATM here
- Download E-Central's iPhone App
- Text a street address or ZIP Code or "City State" to 692667 (my coop) to find nearby ATMs
- Call 888-SITE-COOP (888.748.3266)
To ensure that you have access to a wider range of home loan choices, competitive low rates, and fast loan processing, E-Central is pleased to introduce E-Mortgage, our new online mortgage service.
Here's what you can expect when you apply online for a home loan at E-Central through E-Mortgage:
- 24/7 online loan application status with current rates
- Competitive low rates, plus savings on loan and escrow fees
- More loan choices — including FHA, VA, and Jumbo loans
With E-Mortgage on our team, you can begin and complete the entire home loan process — from research, application and loan approval — all in one place!
Buying a new car? Look to Autoland to assist you from start to finish. Our onsite Autoland car buying consultant, Diana G.D.A. Bañuelos, is an expert in helping people track down the perfect vehicle. She has been with Autoland for seventeen years. She's fluent in English and Spanish. Most importantly, she has a passion for cars... and finding the best deal.
"I love helping people find their perfect car — there's nothing more gratifying than doing what's right for members" says Bañuelos. "Knowing that members trust me to help with such a large purchase is a wonderful feeling. It's my favorite part of my job." As a young child, her father shared his passion for cars and taught her all about the different makes and models. Bañuelos declares, "My personal favorite are trucks."
A typical day for her involves consulting with Members about their car purchasing options and guiding them through the buying process. This includes doing all the work to find a member's perfect car, negotiating a great deal on their behalf, coordinating the financing with the credit union and ultimately, delivering the car to them! "It's the easiest way to buy a car — since I do all the work," states Bañuelos.
For a no-obligation consultation or to start your car search, give her a call at 626.799.6000 ext. 654 or 626.799.0048 or contact her online
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
Monday, February 17, 2014
Monday, May 26, 2014
Friday, July 4, 2014
Monday, September 1, 2014
Monday, October 13, 2014
Tuesday, November 11, 2014
Thursday, November 27, 2014
Thursday, December 25, 2014