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E-Central Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.80%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.3  / 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 131st largest credit union in the state of California. It is also the 1,390th largest credit union in the nation. It was established in 1943 and as of December of 2024, it had grown to 31 employees and 9,462 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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #62323
Year Chartered1943
Employees31
Primary Regulator
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD4.92%
Annual Interest Income$8.6MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$169.2MM$172.5MM
LoansQ4 2024vs Q4 2023$129.5MM$136.3MM
DepositsQ4 2024vs Q4 2023$128.2MM$132.5MM
Equity CapitalQ4 2024vs Q4 2023$38.4MM$37.6MM
Loan Loss AllowanceQ4 2024vs Q4 2023$1.2MM$1.2MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$3.3MM$237K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.80%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.3  / 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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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-CESA 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
0.05%$0-IRA Savings
0.05%$0-Roth IRA Savings
Locations


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

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