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Because Great Banking Should Stay in the Family

At E-Central, we believe special things are meant to be shared, like fun times, good books, or your credit union. As a member, you already enjoy a financial organization built around people, not profits. So why not share a better banking experience that offers lower fees, better rates, and super friendly service.

When you refer friends, family, coworkers, neighbors, or anyone who deserves better banking and wants to save money, you and your referred person will receive up to $100.

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  • $50 when your referred person opens their Membership along with a Checking Account.
  • An additional $50 when your referred friend establishes and receives a monthly direct deposit of at least $250 within 60 days of opening their Membership.1

Here’s What Your Family Can Enjoy as E‑Central Members:

  • Member‑Preferred Certificate Specials - Help your family grow their savings faster with relationship‑driven certificate specials designed for stability and strong returns.
    • Certificate specials up to 3.75% APY* (new money required)
    • Competitive rates that outperform many traditional banks
  • Credit Cards with Low Rates & Real Rewards - A rare combination of affordability and value. All in one card.
    • Rates as low as 13.49% APR**
    • Earn 1.5% cash‑back points on every dollar spent
    • Zero balance transfer fee
  • Checking Accounts Built to Save - Checking accounts designed to help your family keep more of their money while enjoying premium benefits.
    • Affordable checking with powerful digital banking tools
    • Save hundreds annually with included benefits such as:
      • Roadside assistance
      • Identity protection
      • Additional premium services ​​​

Membership Eligibility 

1. Be a family member or household partner of a member.

2. Friends/neighbors in the San Gabriel Valley. (Live, work, attend school, or worship in area)

3. Friends/neighbors in Commerce, Bell, or Maywood area. (Live, work, attend school, or worship in area)

4. Your co-worker works for one of our Select Employee Groups (SEGs)

Invite Your Friends and Family to Bank Smarter

If someone in your circle is looking for a better banking experience, E‑Central is already available to them. Because they’re connected to you. Share your credit union and help us grow!

 

Start Membership Application

 

*APY = Annual Percentage Yield. Rates subject to change without notice. Fees, early withdrawal penalties, and other conditions may reduce earnings. Certificate specials are limited‑time offers and will renew at the prevailing published rate at maturity. New money must originate from another financial institution.

**APR = Annual Percentage Rate. All loan rates, terms, and conditions subject to change. “As low as” rates apply to approved credit only.

1Promotion valid April 1, 2026 through June 30, 2026. Offer subject to change without notice. Referrer must be an E-Central Member. Valid only with new Members. New Members are defined as a person 18 and older who has never been an owner of an account at E-Central. All new accounts are subject to approval and Membership eligibility. Both referred and referring Member will receive a $50 cash bonus when referred Member opens a qualified checking account with the required minimum deposit of $100 at account opening. Qualified checking accounts are defined as Everything Premium, Everything, Basic Plus, and E-Builder. Both referred and referring Member will receive an additional $50 cash bonus when the referred Member receives a minimum monthly direct deposit of $250 within 60 days from establishing Membership. Maximum cash bonus referrer can earn is up to $100. Cash bonuses will be credited to Member’s Primary Share deposit account within 60 days from the date the referred Member meets the requirements. Offer cannot be combined with other promotional offers. Cash bonus may be subject to tax reporting. If the membership of the referred person is closed within 180 days of opening, the cash bonus may be reversed.

Everything, everywhere

E-Central Credit Union is a leading credit union located in Pasadena, California, serving Southern California members throughout Los Angeles County including Pasadena, South Pasadena, Alhambra, San Marino, Arcadia, Sierra Madre, Altadena, Temple City, Monrovia and beyond.