We help you do more with your money.

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


Rates Effective: Period ending January 31, 2015
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: January 1, 2015
VehiclesLoan AmountTermAPR as low as*
New Auto LoanNo Min.36 months2.49%
 No Min.48 months2.69%
 $10,00060 months2.84%
 $15,00072 months3.34%
 $30,00084 months3.84%
Used Auto LoanNo Min.36 months2.99%
 No Min.48 months3.19%
 $10,00060 months3.34%
 $15,00072 months3.84%
 $30,00084 months4.34%
New RVN/A48 months5.24%
 N/A60 months5.39%
 N/A72 months5.74%
 N/A84 months6.24%
Used RVN/A48 months5.49%
 N/A60 months5.64%
 N/A72 months5.99%
 N/A84 months6.49%
WatercraftN/A48 months6.29%
 N/A60 months6.44%
 N/A72 months6.79%
 N/A84 months7.29%
New MotorcycleN/A48 months6.29%
 N/A60 months6.44%
 N/A72 months6.79%
 N/A84 months7.29%
Used MotorcycleN/A48 months7.29%
 N/A60 months7.44%
 N/A72 months7.79%
 N/A84 months8.29%
Platinum Rewards VisaUp to $25,000Revolving10.99%+
First Start Rewards VisaUp to $25,000Revolving10.99%+
Secured VisaTBDRevolving10.99%+
Personal LoanN/A< 24 months12.00%
 N/A24 - 36 months12.75%
Personal Line of CreditUp to $25,000Revolving11.25%
Big TicketN/A< 24 months12.30%
 N/A24 months12.75%
 N/A25 - 36 months13.50%
Share/Certificate SecuredN/AUp to 120 months+3.00% of rate
Home Equity LOCTBD5 year draw / 15 year repaymentCALL
2nd MortgageTBD15 yearsCALL

*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 .50% discount for E-Central Checking, and Direct Deposit and automatic payment combination. Other factors in determining rate may include credit score and year of vehicle. Payment example: $10,000 @ 2.49% for 36 months is an estimated payment of $283 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: January 1, 2015
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%

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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