E-Central Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.ecentralcu.org

626-799-6000

990 S Fair Oaks Ave
Pasadena, CA 91105

E-Central Credit Union is headquartered in Pasadena and is the 129^th largest credit union in the state of California. It is also the 1,389^th largest credit union in the nation. It was established in 1943 and as of March of 2025, it had grown to 31 employees and 9,322 members at 1 location. E-Central Credit Union's CD rates are 78% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

E-Central Credit Union is open to individuals who live, work, worship, or attend school in California's San Gabriel Valley, the city of Commerce, or 46 named neighboring cities of Commerce. Employees of several Select Employee Groups also qualify for membership. Anyone who belongs to any other credit union qualifies for membership, regardless of where they live, but new accounts must be opened in-branch.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	62323
Year Chartered	1943
Employees	31
Primary Regulator

Profit Margin
Return on Assets - YTD	1.05%
Return on Equity - YTD	4.63%
Annual Interest Income	$2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$172.9MM$173.4MM
Loans	Q1 2025vs Q1 2024	$125MM$133.8MM
Deposits	Q1 2025vs Q1 2024	$131.5MM$133MM
Equity Capital	Q1 2025vs Q1 2024	$38.9MM$38MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.1MM$1.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3MM$237K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

E-Central Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$25	-	Membership Savings
0.05%	$10	-	Personal (U-Name-It) Savings
0.05%	$10	-	Holiday Club Savings
0.05%	$0	-	CESA Savings

E-Central Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$100k^*	-	Money Market
OTHER TIERS: 0.25% → $2.5k - $10k \| 0.35% → $10k - $25k \| 0.40% → $25k - $50k \| 0.45% → $50k - $100k

E-Central Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Everything Premium Checking

E-Central Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.90%	$1k	-	60 Month CD
1.85%	$1k	-	48-59 Month CD
1.80%	$1k	-	36-47 Month CD
1.75%	$1k	-	24-35 Month CD
1.60%	$1k	-	12-23 Month CD
0.55%	$1k	-	6-11 Month CD
0.45%	$1k	-	3-5 Month CD

E-Central Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.90%	$1k	-	60 Month IRA
1.85%	$1k	-	48-59 Month IRA
1.80%	$1k	-	36-47 Month IRA
1.75%	$1k	-	24-35 Month IRA
1.60%	$1k	-	12-23 Month IRA
0.55%	$1k	-	6-11 Month IRA
0.45%	$1k	-	3-5 Month IRA
0.05%	$0	-	IRA Savings
0.05%	$0	-	Roth IRA Savings

Locations

E-Central Credit Union Locations
Branch Office	990 S Fair Oaks Ave	Pasadena, CA 91105

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