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 128th largest credit union in the state of California. It is also the 1,372nd largest credit union in the nation. It was established in 1943 and as of March of 2024, it had grown to 34 employees and 9,928 members at 1 location. E-Central Credit Union's CD rates are 78% higher than the national average, and it has an A 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

Reviews (2)


Posted by: |

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

I Would Not Recommend Them To Anyone

Posted by: |

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 - YTD0.87%
Return on Equity - YTD3.97%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$173.4MM$183MM
LoansQ1 2024vs Q1 2023$133.8MM$142MM
DepositsQ1 2024vs Q1 2023$133MM$146.8MM
Equity CapitalQ1 2024vs Q1 2023$38MM$34.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1.3MM$1.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$237K$303K
Real Estate OwnedQ1 2024vs Q1 2023$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%$0-IRA Savings
0.05%$0-CESA Savings
0.05%$0-Roth IRA Savings

E-Central Credit Union Money Market Rates

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

0.05%$500-Everything Premium Checking

E-Central Credit Union CD Rates

6.10%$1k$2.5k6 for 6 Month CD Special – New Money
4.60%$1k-8 Month CD Special - New Money
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

6.10%$1k$2.5k6 for 6 Month IRA Special – New Money
4.60%$1k-8 Month IRA Special - New Money
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

E-Central Credit Union Locations
Branch Office990 S Fair Oaks AvePasadena, CA 91105

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