Competitive CD Rates at E-Central Credit Union in Los Angeles - Easy Membership

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APYMINMAXINSTITUTIONPRODUCTDETAILS
1.75*%$1k-E-Central Credit Union60 Month CD
1.25*%$1k-E-Central Credit Union48 - 59 Month CD
1.00*%$1k-E-Central Credit Union36 - 47 Month CD
Accounts mentioned in this post. Rates as of September 28, 2016.

E-Central Credit Union continues to offer some competitive long-term CD and IRA CD rates. These include a 2.62% APY 5-year CD, a 2.27% APY 4-year CD and a 1.97% APY 3-year CD. Minimum deposit for these rates is $10,000. Slightly higher rates are available for a $50K and $100K minimum deposit. These rates are listed in the credit union's rates page as of 2/3/2011.

According to the credit union's disclosure, the early withdrawal penalty for terms over 1 year is "180 days dividends on the amount withdrawn whether or not earned."

As compared to internet banks on 2/3/2011, the best 5-year CD rate is 2.75% APY at Salem Five Bank. As compared to credit unions with easy membership, the best 5-year CD rate is 2.93% APY at Melrose Credit Union.

According to the credit union's eligibility page, one of the criteria to be eligible to join the credit union is if you "belong to another credit union". You can also qualify if you live, work, worship, or attend school in one of many California cities. Please refer to the eligibility page for the full details. Membership requires a $5 fee and a $25 minimum balance in your savings account.

Branches are located in Pasadena and Los Angeles, California.

The credit union has an overall health score at DepositAccounts.com of 4 out of 5 with a Texas Ratio of 34.15% (above average) based on September 2010 data. Please refer to our financial overview of E-Central Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 62323).

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Comments
cactus
cactus   |     |   Comment #1
Ken, something wrong with your ratings on this one. Return on average assets = -2.52% (yes minus 2.5%) per the NCUA site. Sept report was 0.17%
Competitive CD and IRA CD Rates at E-Central Credit Union in Los Angeles - Easy Membership

E-Central Credit Union is offering some competitive long-term CD and IRA CD rates. These include a 2.87% APY 5-year CD, a 2.62% APY 4-year CD and a 2.27% APY 3-year CD. Minimum deposit for these rates is $10,000. Slightly higher rates are available for a $50K and $100K minimum deposit. These rates are listed in the credit union's rates page as of 9/15/2010.

According to the credit union's eligibility page, one of the criteria to be eligible to join the credit union is if you "belong to another credit union". I...

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2.00% 12-Month Semi-Liquid CD at E-Central Credit Union in CA - Easy Membership
E-Central Credit Union continues to offer a special 12-month semi-liquid CD. The rate has fallen since my June post, but it remains competitive with a 2.00% APY. This special is listed in the credit union's News Center page as of 10/26/09.

The credit union calls this 12-month CD a liquid certificate since you're allowed to withdraw as often as every 7 days up to 50% of the initial deposit. Your funds are available 30 days after you open the certificate. Minimum deposit is $5,000, and new money is required.

Membership is...



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2.25% 12-Month Semi-Liquid CD at E-Central Credit Union in CA - Easy Membership
E-Central Credit Union is still offering a special 12-month semi-liquid CD. The rate has fallen since my May post, but it remains competitive with a 2.25% APY. The 3-year CD remains the same with a 2.85% APY. These special CDs and rates are listed in the credit union's News Center page as of 6/21/09.

The credit union calls this 12-month CD a liquid certificate since you're allowed to withdraw as often as every 7 days up to 50% of the initial deposit. Your funds are available 30 days after you open...

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2.50% 12-Month Liquid CD at E-Central Credit Union In California - Easy Membership
E-Central Credit Union is offering two special liquid certificates. The most competitive has a 2.50% APY and a 1-year term. The other one has a 2.85% APY and a 3-year term. Minimum deposit is $5,000 (new money). The liquid feature allows you to withdraw funds as often as every 7 days for up to 50% of the initial deposit. Your funds are available 30 days after you open the CD. These special CDs and rates are listed in the credit union's News Center page as of 5/29/09.

This credit union has...

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4.10% 9-Month Liquid CD at E-Central Credit Union in California - Easy Membership
E-Central Credit Union is offering a special liquid certificate with a yield of 4.10% APY and a term of 9 months. The minimum deposit is $10,000 (new money). The liquid feature allows you to withdraw funds as often as every 7 days for up to 50% of the initial deposit. Your funds are available 30 days after you open the CD.

This credit union has a history of offering competitive short-term CD specials. My last post was in June.

Membership is open to anyone who belongs to another credit union. I'm not...



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