eCentral offers the best loan rates on CD's, Savings Accounts, Traditional IRA, Education IRA, Roth IRA, New Auto Loans, Used Auto Loans, New RV Loans, Used RV Loans, Watercraft Loans, New Motorcycle Loans, Used Motorcycle Loans, Personal Loans, Home Equity Line of Credit, Home Loans, Refinance, Certificates, Certificate IRA, Dividends, Investments

Dividends - for period ending April 30, 2013
Savings »	Minimum Deposit	Dividend Rate	APY
Membership Savings	$25	.05%	.05%
Personal (U-Name-It) Savings	$10	.05%	.05%
Holiday Club Savings	$10	.05%	.05%
Checking »
Premium Checking	$500	.05%	.05%
Retirement »
Traditional IRA		.05%	.05%
Education IRA		.05%	.05%
Roth IRA		.05%	.05%
Money Markets » - for period ending April 30, 2013
From $2,500.00		.05%	.05%
From $10,000.00		.10%	.10%
From $25,000.00		.15%	.15%
From $50,000.00		.20%	.20%
From $100,000.00		.25%	.25%
APY = Annual Percentage Yield. Membership Savings: To earn a dividend, minimum daily balance must be at least $250. All rates are subject to change without notice. Call us at (626) 799-6000 for more information.

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Loan Rates - effective April 1, 2013
Vehicles »	Loan Amount	Term	APR as low as*
New Auto Loan	No Min. No Min. $10,000 $15,000 $30,000	36 months 48 months 60 months 72 months 84 months	1.99% 2.19% 2.34% 2.84% 3.34%
Used Auto Loan	No Min. No Min. $10,000 $15,000 $30,000	36 months 48 months 60 months 72 months 84 months	2.49% 2.69% 2.84% 3.34% 3.64%
New RV	N/A	48 months 60 months 72 months 84 months	4.74% 4.89% 5.24% 5.74%
Used RV	N/A	48 months 60 months 72 months 84 months	4.99% 5.14% 5.49% 5.99%
Watercraft	N/A	36 months 48 months 60 months 72 months	5.79% 5.79% 5.94% 6.29%
New Motorcycle	N/A	36 months 48 months 60 months 72 months	5.79% 5.79% 5.94% 6.29%
Used Motorcycle	N/A	36 months 48 months 60 months 72 months	6.79% 6.79% 6.94% 7.29%
Platinum Rewards Visa	Up to $25,000	Revolving	10.99%+
First Start Rewards Visa	Up to $25,000	Revolving	10.99%+
Secured Visa	TBD	Revolving	10.99%+
Personal Loan	N/A	< 24 months 24 - 36 months	12.00% 12.75%
Personal Line of Credit	Up to $25,000	Revolving	11.25%
Big Ticket	N/A	< 24 months 24 months 25 - 36 months	12.30% 12.75% 13.50%
Share/Certificate Secured	N/A	Up to 120 months	+3.00% of rate
Home Equity LOC	TBD	5 year draw / 15 year repayment	CALL
2^nd Mortgage	TBD	84 months	CALL
APR = Annual Percentage Rate. All loan rates, terms, and conditions subject to change. "As low as" Consumer Loan rates listed are our best rates on approved credit, include .50% discount for E-Central Checking, Direct Deposit and automatic payment combination, and include at least a 30% down payment. Other factors in determining rate may include credit score and year of vehicle. Payment example: $10,000 @ 1.99% for 36 months is an estimated payment of $280 per month. Rates for HELOC and 2nd loans are as stated (no discount available). *6-month rate quoted. +Variable rate based on Prime, plus a margin of 7.74 - 18.74. For more information on rates and fees, please review E-Central Visa Credit Card Disclosure.

Certificate and IRA Certificate Rates - effective April 1, 2013
Terms	$1,000*	$10,000	$50,000	$100,000
3-5 Months	.20%	.20%	.20%	.20%
6-11 Months	.35%	.35%	.35%	.35%
12-23 Months	.40%	.40%	.40%	.40%
24-35 Months	.60%	.60%	.60%	.60%
36-47 Months	.75%	.75%	.75%	.75%
48-59 Months	1.00%	1.00%	1.00%	1.00%
60 Months	1.41%	1.41%	1.41%	1.41%

All rates are stated by their Annual Percentage Yield (APY). Fees, early withdrawal penalties, and other conditions may reduce earning on the account. *IRA and Roth IRA Certificate minimum balance is $1000.

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E-Central is an Equal Housing Lender