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We help you do more with your money.

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


Rates Effective: Period ending May 31, 2018
ProductMinimum DepositDividend RateAPY


Membership Savings$25.05%.05%
Personal (U-Name-It) Savings$10.05%.05%
Holiday Club Savings$10.05%.05%


Premium Checking$500.05%.05%


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: May 1, 2018
VehiclesLoan AmountTermAPR as low as*Estimated Monthly Payment based on "As Low As" Rate
New Auto LoanNo Min.36 months2.49%$29 per $1,000
 No Min.48 months2.69%$22 per $1,000
 $10,00060 months2.84%$18 per $1,000
 $15,00072 months3.34%$15 per $1,000
 $30,00084 months3.34%$13 per $1,000
Used Auto LoanNo Min.36 months2.99%$29 per $1,000
 No Min.48 months3.19%$22 per $1,000
 $10,00060 months3.39%$18 per $1,000
 $15,00072 months3.84%$16 per $1,000
 $30,00084 months4.34%$14 per $1,000
New RVN/A48 months4.74%$23 per $1,000
 N/A60 months4.89%$19 per $1,000
 N/A72 months5.24%$16 per $1,000
 N/A84 months5.74%$14 per $1,000
Used RVN/A48 months4.99%$23 per $1,000
 N/A60 months5.14%$19 per $1,000
 N/A72 months5.49%$16 per $1,000
 N/A84 months5.99%$15 per $1,000
WatercraftN/A48 months5.79%$23 per $1,000
 N/A60 months5.94%$19 per $1,000
 N/A72 months6.29%$17 per $1,000
 N/A84 months6.79%$15 per $1,000
New MotorcycleN/A48 months5.79%$23 per $1,000
 N/A60 months5.94%$19 per $1,000
 N/A72 months6.29%$17 per $1,000
 N/A84 months6.79%$15 per $1,000
Used MotorcycleN/A48 months6.79%$24 per $1,000
 N/A60 months6.94%$20 per $1,000
 N/A72 months7.29%$17 per $1,000
 N/A84 months7.79%$15 per $1,000
Platinum Rewards VisaUp to $25,000Revolving12.24%+Payment is 3% of balance with minimum of $25
Secured VisaTBDRevolving12.24%+Payment is 3% of balance with minimum of $25
Personal LoanN/A< 24 months11.50%$47 per $1,000 for 23 months
 N/A24 - 36 months12.25%$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 months12.30%$49 per $1,000 for 23 months
 N/A24 months12.55%$47 per $1,000 for 24 months
 N/A25 - 36 months13.30%$34 per $1,000 for 36 months
Share/Certificate SecuredN/AUp to 120 months+2.95% 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: May 1, 2018
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%

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.

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