---

Dividends | Loan Rates | Certificates

Dividends - for period ending July 31, 2010
Savings »	Minimum Deposit	Dividend Rate	APY
Membership Savings	$30	.25%	.25%
Personal (U-Name-It) Savings	$10	.25%	.25%
Holiday Club Savings	$10	.25%	.25%
Checking »
Premium Checking	$500	.25%	.25%
Retirement »
Traditional IRA		.75%	.75%
Education IRA		.75%	.75%
Roth IRA		.75%	.75%
Money Markets » - for period ending July 31, 2010
From $2,500.00		.60%	.60%
From $10,000.00		.80%	.80%
From $25,000.00		.90%	.90%
From $50,000.00		.95%	.95%
From $100,000.00		1.00%	1.00%
APY = Annual Percentage Yield All rates are subject to change without notice. Call us at (626) 799-6000 for more information.
back to top

Loan Rates - effective July 1, 2010
Vehicles »	Loan Amount	Term	APR as low as*
New Auto Loan	No Min. No Min. $10,000 $15,000 $30,000	36 months 48 months 60 months 72 months 84 months	3.99% 4.34% 4.49% 4.69% 4.84%
Used Auto Loan	No Min. No Min. $10,000 $15,000 $30,000	36 months 48 months 60 months 72 months 84 months	4.46% 4.81% 4.96% 5.16% 5.31%
New RV	N/A	60 months 72 months 84 months 120 months	7.08% 7.23% 7.43% 7.58%
Used RV	N/A	60 months 72 months 84 months 120 months	7.73% 7.88% 8.08% 8.23%
Watercraft	N/A	36 months 48 months 60 months 72 months	7.88% 8.03% 8.23% 8.38%
New Motorcycle	N/A	36 months 48 months 60 months 72 months	7.88% 8.03% 8.23% 8.38%
Used Motorcycle	N/A	36 months 48 months 60 months 72 months	8.98% 9.13% 9.33% 9.48%
Personal Loan	N/A	< 24 months 24 - 36 months	12.20% 12.95%
Personal Line of Credit	Up to $25,000	Revolving	11.95%
Big Ticket	N/A	< 24 months 24 months 25 - 36 months	12.35% 12.60% 13.35%
Share/Certificate Secured	N/A	Up to 120 months	+3.00% of rate
Home Equity LOC	TBD	5 year draw / 15 year repayment	CALL
2nd Mortgage	TBD	84 months	CALL
*APR = Annual Percentage Rate. All loan rates, terms, and conditions subject to change. "As low as" Auto Loan rates listed are our best rates on approved credit. Auto Loan rates include .50% discount for E-Central Checking, Direct Deposit and automatic payment combination. Other factors in determining rate may include down payment, credit score, and year of vehicle. Special Auto Loan rate not available on existing E-Central loans. Payment example: $10,000 @ 3.99% for 36 months is an estimated payment of $295 per month. Personal Loan rates include .25% discount for E-Central Checking, Direct Deposit and automatic payment combination, plus .25% discount when applying via online. Total discount is .50%. Rates for HELOC and 2nd loans are as stated (no discount available). **6-month rate quoted.

Certificate and IRA Certificate Rates - effective July 1, 2010
Terms	$1,000*	$10,000	$50,000	$100,000
3-5 Months	.60%	.62%	.64%	.66%
6-11 Months	.85%	.87%	.89%	.91%
12-23 Months	1.00%	1.02%	1.04%	1.07%
24-35 Months	1.75%	1.77%	1.79%	1.81%
36-47 Months	2.25%	2.27%	2.29%	2.31%
48-59 Months	2.60%	2.62%	2.64%	2.66%
60 Months	2.85%	2.87%	2.89%	2.91%
All rates are stated by their Annual Percentage Yield (APY). *IRA and Roth IRA Certificate minimum balance is $1000.
back to top

E-Central is an Equal Housing Lender