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


Rates Effective: Period ending July 31, 2019
ProductMinimum DepositDividend RateAPY


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


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: July 1, 2019
VehiclesLoan AmountTermAPR as low as*Estimated Monthly Payment based on "As Low As" Rate
New Auto LoanNo Min.36 months1.90%$29 per $1,000
 No Min.48 months2.10%$22 per $1,000
 $10,00060 months2.25%$18 per $1,000
 $15,00072 months2.75%$15 per $1,000
 $30,00084 months3.25%$13 per $1,000
Used Auto LoanNo Min.36 months2.65%$29 per $1,000
 No Min.48 months2.85%$22 per $1,000
 $10,00060 months3.00%$18 per $1,000
 $15,00072 months3.50%$16 per $1,000
 $30,00084 months4.00%$14 per $1,000
New RVN/A48 months4.00%$23 per $1,000
 N/A60 months4.25%$19 per $1,000
 N/A72 months4.50%$16 per $1,000
 N/A84 months5.00%$14 per $1,000
Used RVN/A48 months4.75%$23 per $1,000
 N/A60 months5.00%$19 per $1,000
 N/A72 months5.25%$16 per $1,000
 N/A84 months5.75%$15 per $1,000
New MotorcycleN/A48 months5.00%$23 per $1,000
 N/A60 months5.25%$19 per $1,000
 N/A72 months5.50%$17 per $1,000
 N/A84 months6.00%$15 per $1,000
Used MotorcycleN/A48 months5.75%$24 per $1,000
 N/A60 months6.00%$20 per $1,000
 N/A72 months6.25%$17 per $1,000
 N/A84 months6.75%$15 per $1,000
Platinum Rewards VisaUp to $25,000Revolving13.24%+Payment is 3% of balance with minimum of $25
Secured VisaTBDRevolving13.24%+Payment is 3% of balance with minimum of $25
Personal LoanN/A< 24 months10.00%$47 per $1,000 for 23 months
 N/A24 - 36 months10.50%$33 per $1,000 for 36 months
Personal Line of CreditUp to $25,000Revolving11.00%Payment is 4% of balance with minimum of $30
Share/Certificate SecuredN/AUp to 120 months+.95% 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, 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.

Certificate and IRA Certificate Rates

Rates Effective: July 1, 2019
3-5 Months.25%.25%.25%.25%
6-11 Months.40%.40%.40%.40%
12-23 Months.60%.60%.60%.60%
24-35 Months.80%.80%.80%.80%
36-47 Months1.00%1.00%1.00%1.00%
48-59 Months1.25%1.25%1.25%1.25%
60 Months1.75%1.75%1.75%1.75%
Certificate Special - 14 Month$25,000 Minimum Balance$25,000 Minimum Balance2.25%2.25%

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.

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