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Dividends | Loan Rates | Certificates

Dividends - for period ending March 31, 2010
Savings »	Minimum Deposit	Dividend Rate	APY
Membership Savings	$30	0.25%	0.25%
Personal (U-Name-It) Savings	$10	0.25%	0.25%
Holiday Club Savings	$10	0.25%	0.25%
Checking »
Premium Checking	$500	0.25%	0.25%
Retirement »
Traditional IRA		.75%	.75%
Education IRA		.75%	.75%
Roth IRA		.75%	.75%
Money Markets » - for period ending March 31, 2010
From $2,500.00		.60%	.60%
From $10,000.00		.80%	.80%
From $25,000.00		.90%	.90%
From $50,000.00		.95%	.95%
From $100,000.00		1.00%	1.00%
APY = Annual Percentage Yield All rates are subject to change without notice. Call us at (626) 799-6000 for more information.
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Loan Rates - effective March 5, 2010
Vehicles »	Loan Amount	Term	APR as low as*
New Auto Loan	No Min. $10,000 $15,000 $30,000	48 months 60 months 72 months 84 months	5.18% 5.33% 5.53% 5.68%
Used Auto Loan	No Min. $10,000 $15,000 $30,000	48 months 60 months 72 months 84 months	5.65% 5.80% 6.00% 6.15%
New RV	N/A	60 months 72 months 84 months 120 months	7.08% 7.23% 7.43% 7.58%
Used RV	N/A	60 months 72 months 84 months 120 months	7.73% 7.88% 8.08% 8.23%
Watercraft	N/A	36 months 48 months 60 months 72 months	7.88% 8.03% 8.23% 8.38%
New Motorcycle	N/A	36 months 48 months 60 months 72 months	7.88% 8.03% 8.23% 8.38%
Used Motorcycle	N/A	36 months 48 months 60 months 72 months	8.98% 9.13% 9.33% 9.48%
Personal Loan	N/A	< 24 months 24 - 36 months	12.20% 12.95%
Personal Line of Credit	Up to $25,000	Revolving	11.95%
Big Ticket	N/A	< 24 months 24 months 25 - 36 months	12.35% 12.60% 13.35%
Share/Certificate Secured	N/A	Up to 120 months	+3.00% of rate
Home Equity LOC	TBD	5 year draw / 15 year repayment	CALL
2nd Mortgage	TBD	84 months	CALL
Annual Percentage Rate = APR. *All loan rates, terms, and conditions subject to change. “As Low As” rates listed are our best rates on approved credit. Auto and Personal Loan rates include .25% discount for E-Central Checking, Direct Deposit and automatic payment combination, plus .25% discount when applying via online. Total discount is .50%. Rates for HELOC and 2nd loans are as stated (no discount available). **6-month rate quoted.

Certificate and IRA Certificate Rates - effective March 5, 2010
Terms	$1,000*	$10,000	$50,000	$100,000
3-5 Months	0.85%	0.87%	0.89%	0.91%
6-11 Months	1.00%	1.02%	1.04%	1.07%
12-23 Months	1.25%	1.27%	1.29%	1.31%
24-35 Months	1.75%	1.77%	1.79%	1.81%
36-47 Months	2.25%	2.27%	2.29%	2.31%
48-59 Months	2.60%	2.62%	2.64%	2.66%
60 Months	2.85%	2.87%	2.89%	2.91%
All rates are stated by their Annual Percentage Yield (APY). *IRA and Roth IRA Certificate minimum balance is $1000.
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E-Central is an Equal Housing Lender