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We help you do more with your money.

These are E-Central's updated rates for deposit accounts and loans.

Dividends

Rates Effective: Period ending December 31, 2022
ProductMinimum DepositDividend RateAPY

Savings

Membership Savings$25.05%.05%
Personal (U-Name-It) Savings$10.05%.05%
Holiday Club Savings$10.05%.05%

Checking

Premium Value /Everything Premium Checking$500.05%.05%

Retirement

Traditional IRA.05%.05%
Education IRA.05%.05%
Roth IRA.05%.05%

Money Markets

From $2,500.00.249%.25%
From $10,000.00.349%.35%
From $25,000.00..399%.40%
From $50,000.00.449%.45%
From $100,000.00.498%.50%

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.

Loan Rates

Rates Effective: December 1, 2022
VehiclesLoan AmountTermAPR as low as*Estimated Monthly Payment based on "As Low As" Rate
New Auto LoanNo Min.36 months5.99%$30 per $1,000
 No Min.48 months5.99%$23 per $1,000
 No Min.60 months5.99%$19 per $1,000
 No Min.72 months5.99%$16 per $1,000
 No Min.84 months6.75%$15 per $1,000
Used Auto LoanNo Min.36 months5.99%$30 per $1,000
 No Min.48 months5.99%$23 per $1,000
 No Min.60 months5.99%$19 per $1,000
 No Min.72 months6.50%$17 per $1,000
 No Min.84 months7.50%$15 per $1,000
New RVN/A48 months6.75%$23 per $1,000
 N/A60 months6.90%$20 per $1,000
 N/A72 months7.75%$17 per $1,000
 N/A84 months8.75%$15 per $1,000
Used RVN/A48 months7.50%$24 per $1,000
 N/A60 months7.65%$20 per $1,000
 N/A72 months8.50%$18 per $1,000
 N/A84 months9.50%$16 per $1,000
New MotorcycleN/A48 months7.75%$24 per $1,000
 N/A60 months7.90%$20 per $1,000
 N/A72 months8.75%$18 per $1,000
 N/A84 months10.50%$17 per $1,000
Used MotorcycleN/A48 months8.50%$24 per $1,000
 N/A60 months8.65%$20 per $1,000
 N/A72 months9.50%$18 per $1,000
 N/A84 months9.20%$16 per $1,000
Platinum VisaUp to $25,000Revolving11.24%+Payment is 3% of balance with minimum of $25
Secured VisaTBDRevolving12.49%+Payment is 3% of balance with minimum of $25
Personal LoanN/A< 24 months12.20%$49 per $1,000 for 23 months
 N/A24 - 36 months12.20%$33 per $1,000 for 36 months
Share/Certificate SecuredN/AUp to 120 months+3.74% of rateTBD
Home Equity LOCTBD5 year draw / 15 year repaymentCALLTBD
2nd MortgageTBD15 yearsCALLTBD

* APR = Annual Percentage Rate. All loan rates, terms, and conditions subject to change. Other restrictions may apply.  "As low as" Consumer Loan rates listed are our best rates on approved credit without any underwriting exceptions. Discounts given include overall account balance relationship, past loan relationships, length of membership, collateral age, loan-to-value percentage, and amount of down payment. Payment example: $10,000 at 5.74% APR for 36 months has an estimated payment of $303 per month. E-Central finances up to 115% of MSRP (new vehicles) or the Kelley Blue Book Retail Value (used vehicles). Must be a Member in good standing.

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

Rates Effective: December 1, 2022
Terms$1,000*$10,000$50,000$100,000
3-5 Months.45%.45%.45%.45%
6-11 Months.55%.55%.55%.55%
12-23 Months1.60%1.60%1.60%1.60%
24-35 Months1.75%1.75%1.75%1.75%
36-47 Months1.80%1.80%1.80%1.80%
48-59 Months1.85%1.85%1.85%1.85%
60 Months1.90%1.90%1.90%1.90%

Certificate Special

Now you can earn higher dividends with our Certificate Specials.

  • 3.25% APY++
  • 12-month term
  • $5,000 minimum balance requirement with at least $5,000 of new money
  • Also available in IRA
++APY = Annual Percentage Yield. Rates are stated by their Annual Percentage Yield (APY). Fees, early withdrawal penalties, and other conditions may reduce earning on the account. Special rate requires at least $5,000 of new money. New Money means funds from another financial institution. Limited time offer. Subject to change without notice.

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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