E-Central Credit Union

Overview / Commentary
990 S Fair Oaks Ave
Pasadena, CA 91105

E-Central Credit Union is headquartered in Pasadena and is the 126th largest credit union in the state of California. It is also the 1,222nd largest credit union in the nation. It was established in 1943 and as of June of 2019, it had grown to 44 employees and 13,888 members at 2 locations. E-Central Credit Union has an A health rating.

Field of Membership Restrictions

E-Central Credit Union of California is open to the residents, people maintaining employment, church members, and registered students in any of the qualifying locations of California that are listed on the credit union website, employees of the credit union affiliated select employer groups, members of any other credit unions, and the family members or household residents of current credit union members.
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Reviews (2)


Posted by: Anonymous | May 1, 2012

Very unpolished workers at this credit union. Rude staff who rush and argue with members.

I Would Not Recommend Them To Anyone

Posted by: MarioS | Feb 15, 2013

I was a customer of E-Central for over 10 years.  They gave adequate service, as long as I didn't need anything from them.  Otherwise, Customer service was poor, and unhelpful.  I had a problem with my account, and became overdrawn.  They closed my checking account and left only the savings account open, I talked to their account rep and he would not re-open the checking account.  What was worse, was that they reported onto my credit history that I owed them a balance, even though it was paid and I had an active account.  I made several calls to get this fixed and they said that they would make the correction to my credit report, but never did.  After speaking with the account rep for the fourth time about this he said, "Well, I'm going to need to see you increase your account balance on a regular basis, then I will look into it again."  That was the last straw.  I had to wait the 7 years for it to come off my record so that I can open an account with another institution.  Once I was able to open an account elsewhere, I closed my account with them (yes, during the whole time I couldn't open an account anywhere else, they kept my savings account open and in good standing).  I would not recommend them to my worst enemy.


Health Grade Components

NCUA #62323
Year Chartered1943
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD3.35%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$162.1MM$161.6MM
LoansQ2 2019vs Q2 2018$114.0MM$107.0MM
DepositsQ2 2019vs Q2 2018$129.6MM$130.1MM
Equity CapitalQ2 2019vs Q2 2018$31.2MM$30.3MM
Loan Loss AllowanceQ2 2019vs Q2 2018$729.00K$833.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$454.00K$237.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0
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Always verify rates and promotions with the bank or credit union. We are not E-Central Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.05%$25-Membership Savings
0.05%$10-Personal (U-Name-It) Savings
0.05%$10-Holiday Club Savings
0.05%--IRA Savings
0.05%--CESA Savings
0.05%--Roth IRA Savings

E-Central Credit Union Money Market Rates

0.25%*$100k*-Money Market
OTHER TIERS: 0.05% $2.5k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k

E-Central Credit Union Checking Account Rates

0.05%$500-Premium Checking

E-Central Credit Union CD Rates

2.25%$50k-14 Month CD Special - New Money
1.75%$1k-60 Month CD
1.25%$1k-48 - 59 Month CD
1.00%$1k-36 - 47 Month CD
0.80%$1k-24 - 35 Month CD
0.60%$1k-12 - 23 Month CD
0.40%$1k-6 - 11 Month CD
0.25%$1k-3 - 5 Month CD

E-Central Credit Union IRA Rates

2.25%$50k-14 Month IRA Special - New Money
1.75%$1k-60 Month IRA
1.25%$1k-48 - 59 Month IRA
1.00%$1k-36 - 47 Month IRA
0.80%$1k-24 - 35 Month IRA
0.60%$1k-12 - 23 Month IRA
0.40%$1k-6 - 11 Month IRA
0.25%$1k-3 - 5 Month IRA

E-Central Credit Union Locations
Branch Office990 S Fair Oaks AvePasadena, CA 91105
Branch Office5770 S Eastern Ave Ste 110Commerce, CA 90040

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