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E-Central Credit Union


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 130th largest credit union in the state of California. It is also the 1,376th largest credit union in the nation. It was established in 1943 and as of June of 2024, it had grown to 33 employees and 9,765 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.
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Health
A

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #62323
Year Chartered1943
Employees33
Primary Regulator
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD4.76%
Annual Interest Income$4.2MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$171.5MM$178.4MM
LoansQ2 2024vs Q2 2023$133.7MM$140.9MM
DepositsQ2 2024vs Q2 2023$131.2MM$141.4MM
Equity CapitalQ2 2024vs Q2 2023$38.5MM$35.2MM
Loan Loss AllowanceQ2 2024vs Q2 2023$1.3MM$1.8MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$272K$373K
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Everything Premium Checking

E-Central Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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

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