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

Dividends

Rates Effective: Period ending April 30, 2025
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: April 1, 2025
VehiclesLoan AmountTermAPR as low as*Estimated Monthly Payment based on "As Low As" Rate
New Auto LoanNo Min.36 months6.24%$30 per $1,000
 No Min.48 months6.24%$23 per $1,000
 No Min.60 months6.24%$19 per $1,000
 No Min.72 months6.24%$16 per $1,000
 No Min.84 months7.00%$15 per $1,000
Used Auto LoanNo Min.36 months6.24%$30 per $1,000
 No Min.48 months6.24%$23 per $1,000
 No Min.60 months6.24%$19 per $1,000
 No Min.72 months6.75%$17 per $1,000
 No Min.84 months8.00%$15 per $1,000
New MotorcycleN/A48 months8.00%$24 per $1,000
 N/A60 months8.15%$20 per $1,000
 N/A72 months9.00%$18 per $1,000
 N/A84 months10.75%$17 per $1,000
Used MotorcycleN/A48 months8.75%$24 per $1,000
 N/A60 months8.90%$20 per $1,000
 N/A72 months10.50%$18 per $1,000
 N/A84 months9.45%$16 per $1,000
Platinum VisaUp to $25,000Revolving13.49%+Payment is 3% of balance with minimum of $25
Secured VisaTBDRevolving12.74%+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 months12.45%$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: April 1, 2025
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 (New Money)

4.10% APY*

  • Term: 8 months
  • Requires $7,500 in new money
  • Minimum Deposit: $1,000
  • Available in IRA
  • Limited Time Offer

Certificate Special (Standard)

3.90% APY*

  • Term: 8 months
  • Minimum Deposit: $1,000
  • Available in IRA
  • Limited Time Offer
*APY = Annual Percentage Yield. Rates are stated by their Annual Percentage Yield (APY). Fees, early withdrawal penalties, and other conditions may reduce earnings on the account. Limited time offer. Subject to change without notice. At the time of maturity, the Certificate special will renew at our standard 6-month term at the prevailing published rate. New money means funds from another financial institution.

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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