At E‑Central Credit Union, we believe in doing banking differently. Since 1943, we deliver “Everything, Everywhere” through great products and services.
For a limited time, get huge savings with
up to $800 cash back! Take an initial draw on your loan and earn $800 for draws of $150,000 or more, $400 for draws between $100,000 and $149,999, and $200 for draws between $50,000 and $99,999. This offer ends September 30, 2025.
Use a HELOC For:
- Home Improvements: Remodel, expand, refresh
- Debt Consolidation: Lower interest, fewer payments.
- Education & Life Goals: Fund tuition, investments, dream projects.
- ADU Builds: Add accessory dwelling units to boost value & space
Why Choose an E-Central HELOC
- Up to $800 Cash Back: Draw $50K+ to earn cash back after 90 days: $200 for $50–99K, $400 for $100–149K, and $800 for $150K+
- Interest-only payments: During your draw period — keep monthly payments affordable
- Introductory low rate: 5.50% APR for the first three months, then a variable rate tied to Prime plus margin.
- Tailored to You: Choose interest-only during draw, then amortize over 15 years, with flexible third-party fee structure explained upfront.
How It Works:
- Tap into your equity during the 5‑year draw period.
- Make interest-only payments while drawing funds.
- Enter the 15-year repayment period with predictable monthly payments.
- Enjoy digital access online, mobile, Zelle®, bill pay, and more.
Ready to Make Your Home Work for You?
Our Real Estate Lending experts can help you determine which option is right for you! They can also help you with the loan application process. To learn more, call or visit the branch today.
Call 626.799.6000
*HELOC cash back special offer begins July 1, 2025 and ends September 30, 2025. Based on the initial draw, a borrower will earn $800 for draws of $150,000 or more, $400 for draws between $100,000 and $149,999, and $200 for draws between $50,000 and $99,999. To qualify for cashback, the borrower must take an initial draw at the time of funding, and after 90 days from the origination, the current balance must be at least the same amount as the initial draw. Cash back payout will be credited into the Member’s Primary Savings account 90 days after loan origination. Special offer not eligible for current E-Central home equity loans or lines of credit. **APR = Annual Percentage Yield. All loan rates, terms and conditions subject to change. Must be a Member in good standing and meet underwriting guidelines. Other restrictions may apply. The introductory interest rate for the HELOC will be fixed at 5.50% during the three-month introductory period. After the three-month introductory period: based on approved credit the Home Equity Line of Credit rate is variable monthly and is based on prime plus a margin of 1.00% minus relationship reward discounts. Interest-only minimum payment during the draw period. Upon term-out, monthly payment will be principal and interest monthly based on 15-year amortization schedule. The borrower is responsible for all third-party fees, including title policy, flood and tax service, appraiser fee, and recording fees.