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.
*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 the following discounts: .75% base rate reduction for credit score equal or above 720; .35% base rate reduction for term equal or less than 36 months; and .50 base rate reduction for the collateral loan-to-value is 50% or less. Relationship discounts are as follows: .50% discount for electing automatic payment and having an E-Central Checking with your “full” Direct Deposit (Full is defined as 100% of your monthly net paycheck from your primary employer); .50% discount for having a three (3) month average Share (Savings) balance of at least $25,000; 1.00% discount for being a Member for at least twenty (20) years with $1,900 minimum daily Checking balance at the time of funding your loan (if length of membership is less than twenty (20) years, other discounts may apply); and .50% discount for each satisfactory prior loan relationship (.10% per prior loan up to .50% or 5 loans). Other factors in determining rate may include credit score, term, loan-to-value, and any possible exceptions. Payment example: $10,000 @ 1.90% for 36 months is an estimated payment of $286 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
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.
+Certificate Special has a minimum Balance: $25,000 with at least $5,000 of new money. Term is 14 months. Rate is 2.25% APY. Limited time offer. Subject to change without notice.