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

Dividends

Rates Effective: Period ending January 31, 2019
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 Checking$500.05%.05%

Retirement

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, 2019
VehiclesLoan AmountTermAPR as low as*Estimated Monthly Payment based on "As Low As" Rate
New Auto LoanNo Min.36 months2.99%$29 per $1,000
 No Min.48 months3.19%$22 per $1,000
 $10,00060 months3.34%$18 per $1,000
 $15,00072 months3.84%$15 per $1,000
 $30,00084 months3.84%$13 per $1,000
Used Auto LoanNo Min.36 months3.49%$29 per $1,000
 No Min.48 months3.69%$22 per $1,000
 $10,00060 months3.84%$18 per $1,000
 $15,00072 months4.34%$16 per $1,000
 $30,00084 months4.84%$14 per $1,000
New RVN/A48 months5.24%$23 per $1,000
 N/A60 months5.49%$19 per $1,000
 N/A72 months5.74%$16 per $1,000
 N/A84 months6.24%$14 per $1,000
Used RVN/A48 months6.49%$23 per $1,000
 N/A60 months5.64%$19 per $1,000
 N/A72 months5.99%$16 per $1,000
 N/A84 months6.49%$15 per $1,000
WatercraftN/A48 months6.29%$23 per $1,000
 N/A60 months6.44%$19 per $1,000
 N/A72 months6.79%$17 per $1,000
 N/A84 months7.29%$15 per $1,000
New MotorcycleN/A48 months6.29%$23 per $1,000
 N/A60 months6.44%$19 per $1,000
 N/A72 months6.79%$17 per $1,000
 N/A84 months7.29%$15 per $1,000
Used MotorcycleN/A48 months7.29%$24 per $1,000
 N/A60 months7.44%$20 per $1,000
 N/A72 months7.79%$17 per $1,000
 N/A84 months8.29%$15 per $1,000
Platinum Rewards VisaUp to $25,000Revolving12.99%+Payment is 3% of balance with minimum of $25
Secured VisaTBDRevolving12.99%+Payment is 3% of balance with minimum of $25
Personal LoanN/A< 24 months12.00%$47 per $1,000 for 23 months
 N/A24 - 36 months12.75%$33 per $1,000 for 36 months
Personal Line of CreditUp to $25,000Revolving11.25%Payment is 4% of balance with minimum of $30
Big TicketN/A< 24 months12.80%$49 per $1,000 for 23 months
 N/A24 months13.05%$47 per $1,000 for 24 months
 N/A25 - 36 months13.80%$34 per $1,000 for 36 months
Share/Certificate SecuredN/AUp to 120 months+3.45% 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 .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 $289 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, 2019
Terms$1,000*$10,000$50,000$100,000
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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