Home Loans - Perfect Time to Buy a Home!
Low Rates and Big Tax Breaks
Now may be the best time in years to buy a place of your own. Here's why:
- Fixed mortgage rates remain near all-time lows.
- It's a buyer's market.
- Big tax breaks.*
· Up to $8,000 tax savings for first-time homebuyers.
· Up to $6,500 tax savings for move-up homebuyers. - With E-Central's low down payment programs, you can finance up to 90%** of the home's price.
Home Ownership Starts at E-Central
Look to E-Central as your first and trusted source to finance or refinance your dream home. Our knowledgeable loan staff can help you through the
application process and recommend an affordable mortgage option that meets your goals and budget. Get pre-qualified today. *Consult your tax
advisor for details. The program expires June 30, 2010.
**Requires Private Mortgage Insurance.
For Overdraft Protection... Trust E-Central
There's been a lot of talk on how banks are making big money by overcharging for overdraft services due to the way they process transactions and the fees they charge. But having overdraft protection on your checking account can save you on costly late fees, merchant charges, and possibly prevent interruptions of vital services, not to mention save you from any embarrassment or inconvenience. Overdraft protection is important, but when the need arises be wary of overpaying.
Fair and Affordable Protection
As a Member of a not-for-profit financial institution you share in the profits of the organization through the services you use.
Our Overdraft Protection is fair and very affordable when compared to other financial institutions. Many banks can charge up to $35-$40 for overdraft protection, while we
charge as little as $10 for an overdraft transfer from your Savings and $25 for Courtesy Pay. Plus, we process the transaction in real-time while many banks manipulate the
transaction order to possibly garner a higher number of customer overdrafts.
Two-Tiered Protection To Save You
Your Savings is your first line of protection from overdrafting. It is linked to your Checking Account and will automatically
cover a transaction. Second, if the funds are not available in your Savings, Courtesy Pay is activated to cover your transaction. Courtesy Pay will cover an overdrawn check,
debit transaction, or ATM transaction.
Don't overpay for overdrafts! Open an E-Free Checking Account at E-Central today.
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Do you need to make your 2009 IRA contributions? Take advantage of our IRA Special, which pays a 1.40% APY for a 12-month term ($1,000 minimum deposit & new money only).
For more information about opening or transferring an IRA,
contact us.
*APY = Annual Percentage Yield. Rates subject to change at anytime without notice.
Liquid Certificate Special - Earn up to 1.40%!
Looking to earn more while still having access to your funds? Then choose a 1-Year Liquid Certificate paying 1.40%apy.
No matter which option you choose, your rate is locked-in, plus you will be able access your cash when the need arises. Here are the details:
- Earn 1.40% APY (1-Year Term)
- Minimum deposit is $2,500 (new money only)
- "Liquid" feature
- Withdraw as often as every 7 days up to 50% of the initial deposit
- Your funds are available 30 days after you open the certificate
For more information, call 626.799.6000.
*APY = Annual Percentage Yield. Rates and terms are subject to change at any time without notice. Early withdrawal may incur fees and reduce earnings. Upon maturity, Liquid Certificate will renew without "liquid" feature for a 1-Year term based, unless Member chooses other term option. Special rate is not available for IRA related products. New money means funds from another financial institution. "Liquid" feature: Withdraw as often as every 7 days up to 50% of the initial deposit. Your funds are available 30 days after you open the Certificate. E-Central is federally and privately insured up to $500,000 by the National Credit Union Administration and American Share Insurance. IRAs are separately insured up to an additional $500,000.
Internet Banking Helps you Save!
Saving you time and money, and increasing your financial freedom - that's what Internet Banking can do for you. Read about how you can build a Savings Account, save money, and avoid overdrafting with Internet Banking.
- Build a Savings Account - Pay yourself first by transferring funds from your Checking into your Savings each pay period; or better yet, do it automatically with our Schedule a Transfer feature. It will make it even easier for you to build a Savings Account.
- Save Money on Bills - The cost of postage keeps going up, but Bill Pay is free! Use it to pay your bills and you could save $5, $10, $15, or more a month on postage. Use the extra funds to grow your Savings Account even faster!
- Avoid Overdrafting - View account balances 24/7 with a few simple clicks. It takes less than a minute to check your account balance. If you need to transfer funds from one account to the next, that's fast and easy too. You can even see what transactions have cleared so you don't pay the same bill twice.
Not yet using our Free Internet Banking service? Register here.
Save on Tax-Preparation, Speed Up Your Refund!
E-Central is here to assist you through tax season! We're offering two great tax assistance services - TurboTax® Federal Free Edition, plus a
discount on professional tax preparation from Jackson Hewitt Tax Service.
TurboTax® is the fast, easy and free way to get your taxes filed and get the maximum refund you deserve. Prepare, print and e-file your simple federal return for FREE (discount for more complicated returns). If you prefer to have an expert prepare your taxes, then consult with a Jackson Hewitt professional and receive a $30 discount.
Click here to get started today.
For an even a Faster Tax Refund choose Direct Deposit! - Include the Credit Union's routing number (322079227) and your Member Number in the "REFUND" section of your tax return forms.
Holiday Reminder
The Credit Union will be closed to celebrate the following holidays:
New Year's Day:
Friday, January 1, 2010
M L King Day:
Monday, January 18, 2010
President's Day:
Monday, February 15, 2010
Memorial Day:
Monday, May 31, 2010
Independence Day:
Monday, July 5, 2010
Labor Day:
Monday, September 6, 2010
Columbus Day:
Monday, October 11, 2010
Veteran's Day:
Thursday, November 11, 2010
Thanksgiving Day:
Thursday, November 25, 2010
Christmas Eve:
Friday, December 24, 2010
New Years Eve:
Friday, December 31, 2010