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


Rates Effective: Period ending January 1, 2021
ProductMinimum DepositDividend RateAPY


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


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


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

Money Markets

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.

Loan Rates

Rates Effective: January 1, 2021
VehiclesLoan AmountTermAPR as low as*Estimated Monthly Payment based on "As Low As" Rate
New Auto LoanNo Min.36 months3.00%$29 per $1,000
 No Min.48 months3.20%$22 per $1,000
 $10,00060 months3.35%$18 per $1,000
 $15,00072 months3.85%$15 per $1,000
 $30,00084 months4.35%$13 per $1,000
Used Auto LoanNo Min.36 months3.75%$29 per $1,000
 No Min.48 months3.95%$22 per $1,000
 $10,00060 months4.10%$18 per $1,000
 $15,00072 months4.60%$16 per $1,000
 $30,00084 months5.10%$14 per $1,000
New RVN/A48 months5.35%$23 per $1,000
 N/A60 months5.50%$19 per $1,000
 N/A72 months5.85%$16 per $1,000
 N/A84 months6.35%$14 per $1,000
Used RVN/A48 months6.10%$23 per $1,000
 N/A60 months6.25%$19 per $1,000
 N/A72 months6.60%$16 per $1,000
 N/A84 months7.10%$15 per $1,000
New MotorcycleN/A48 months6.35%$23 per $1,000
 N/A60 months6.50%$19 per $1,000
 N/A72 months6.85%$17 per $1,000
 N/A84 months7.35%$15 per $1,000
Used MotorcycleN/A48 months7.10%$24 per $1,000
 N/A60 months7.25%$20 per $1,000
 N/A72 months7.60%$17 per $1,000
 N/A84 months8.10%$15 per $1,000
Platinum VisaUp to $25,000Revolving10.99%+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 months11.35%$47 per $1,000 for 23 months
 N/A24 - 36 months11.85%$33 per $1,000 for 36 months
Personal Line of CreditUp to $25,000Revolving11.60%Payment is 4% of balance with minimum of $30
Share/Certificate SecuredN/AUp to 120 months+2.99% 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. "As low as" Consumer Loan rates listed are our best rates on approved credit. Relationship discounts are as follows: 0.50% discount for electing automatic payment from your E-Central account and having an E-Central Direct Deposit of at least $2,000 per month; 0.40% discount for being an E-Central Member for at least eight (8) years. Other factors in determining rate may include any applicable exceptions, overall deposit and account balance relationship now and in the future, past and future loan relationships. Other restrictions may apply. Payment example: $10,000 at 3.00% APR for 36 months has an estimated payment of $291 per month. E-Central finances 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: January 1, 2021
3-5 Months.20%.20%.20%.20%
6-11 Months.35%.35%.35%.35%
12-23 Months.45%.45%.45%.45%
24-35 Months.65%.65%.65%.65%
36-47 Months.75%.75%.75%.75%
48-59 Months.90%.90%.90%.90%
60 Months1.00%1.00%1.00%1.00%

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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