E-Central Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 1.75% | 5-year CD | 3.10% - Barclays 60 Month Online CD |
| 1.25% | 4-year CD | 2.90% - Barclays 48 Month Online CD |
| 1.00% | 3-year CD | 2.85% - Barclays 36 Month Online CD |
E-Central Credit Union is headquartered in Pasadena and is the 125th largest credit union in the state of California. It is also the 1,214th largest credit union in the nation. It was established in 1943 and as of December of 2018, it had grown to 46 employees and 14,184 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.
See current membership details
Related Posts
2/3 - Competitive CD Rates at E-Central Credit Union in Los Angeles - Easy Membership
6/21 - 2.25% 12-Month Semi-Liquid CD at E-Central Credit Union in CA - Easy Membership
5/29 - 2.50% 12-Month Liquid CD at E-Central Credit Union In California - Easy Membership
7/12/08 - 3.80% 6-Month CD at a California CU - Easy Membership (E-Central)
2/2/08 - 5.10% 9-Month CD at a California CU - Easy Membership (E-Central).
11/15/07 - 5.35% 9-Month CD at a California CU - Easy Membership (E-Central).
Professionalism
Very unpolished workers at this credit union. Rude staff who rush and argue with members.
I Would Not Recommend Them To Anyone
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 62323 |
| Year Chartered | 1943 |
| Employees | 46 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.49% |
| Return on Equity - YTD | 2.54% |
| Annual Interest Income | $6.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $159.8MM$157.9MM |
| Loans | Q4 2018vs Q4 2017 | $110.5MM$107.1MM |
| Deposits | Q4 2018vs Q4 2017 | $128.0MM$126.9MM |
| Equity Capital | Q4 2018vs Q4 2017 | $30.7MM$29.9MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $802.00K$949.00K |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $933.00K$238.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | $500 | - | Premium Checking |
E-Central Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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 Office | 990 S Fair Oaks Ave | Pasadena, CA 91105 |
| Branch Office | 5770 S Eastern Ave Ste 110 | Commerce, CA 90040 |