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Home Loans

Explore homeownership or refinance your existing property with E-Central. Owning a home is a major investment and finding the right financing is almost as important as finding the right home. Let E-Central help.

Click here to download a loan application now.

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4.10% Liquid Certificate

Open an E-Central Liquid Certificate and guarantee yourself a higher yield. Earn 4.10% APY for 9 months. Best of all, your rate is locked-in and you can still access your cash when the need arises.

To take advantage of our Liquid Certificate, simply transfer funds of at least $10,000 from another financial institution. This special offer is for new money only. Fret not if you already have funds at E-Central. You can earn 3.80% APY for 9 months.

Here are the details:

  • Earn 4.10% APY (new money) OR 3.80% APY (existing deposit)
  • 9-month term
  • Minimum deposit is $5,000
  • “Liquid” feature
    • 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

For more information, call 626.799.6000. The more you transfer, the more you earn!

*APY= Annual Percentage Yield. Upon maturity, Liquid Certificate will renew without "liquid" feature for another 9-month term, unless Member chooses other term options. Special rate is not available for IRA related products. New money means funds from another financial institution.

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Loan Payment Relief - $100 Reward!

We're offering a loan payment relief program that includes a $100 reward to Members who refinance their car loans from other lenders.

Your search for low, fixed rates and comfortable monthly payments ends here. Bring your loan home to E-Central, save a few bucks by lowering your payments and earn some cash too! Plus, you'll enjoy no payments for 45 days.

Stop by E-Central today or apply for your auto loan online. Promotion ends December 31, 2008.

*Loan must be $10,000 or greater to qualify for $100 reward and requires an E-Central Checking Account. Lease buyouts may require additional information. All loans subject to credit approval. The amount of actual rate reduction will vary based on creditworthiness and current loan rate from an outside financial institution. Refinanced rate not to go below current best new car rate, which is 5.24% APR as of 09/30/08.

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Families That Bank Together...Play Together!

Earn free movie passes and a chance to win a weekend get-away by referring your family members to E-Central.

Pick up a free pair of movie tickets when you refer a relative to join E-Central. Your referred relatives will also receive a free pair of tickets once they join and sign up for a Checking Account, a Certificate or Money Market Account, or apply for a Loan at E-Central. In addition to earning a pair of movie tickets, you and your newly referred family member will be entered in a drawing to win a free weekend vacation get-away.

Whether your family members need an Auto Loan, a place to earn more on their savings, or an entire new place to bank, tell them about E-Central. Share your Credit Union today! Promotion ends November 30, 2008.

GENERAL DRAWING RULES: There are no entry fees. No purchase is necessary to win. Must be 18 years of age or older to enter. The drawing starts October 1, 2008 and ends November 30, 2008. Winners will be selected via random drawing. Alternate Means of Entry: Send a 3" x 5" card with your name and daytime phone number to: E-Central Credit Union, Marketing Department, 990 S. Fair Oaks Ave., Pasadena, CA 91105. Be sure to write Family Rewards. Only one alternate entry per person. Entries must be received by November 30, 2008. No copies or faxes accepted. Winner need not be present to win. E-Central Credit Union assumes no responsibility for lost, mutilated, or misdirected entries. Odds of winning depend upon the number of eligible entries received. To learn who won, send a self addressed stamped envelope to the address above. The winners will be randomly drawn. Prize value is not redeemable for cash. Void where prohibited. Prize is non-transferable. E-Central employees, volunteers, and their family members are not eligible for entry into the drawing.

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Deposit @ 7-Eleven®!

Making a deposit is as close as getting a Slurpee! E-Central Members can now make deposits at the Vcom ATM machines located inside 7-Eleven stores. Vcom ATMs are part of the surcharge free CO-OP ATM network and use check-imaging technology for deposits, allowing Members to insert checks directly into the machine and receive an image of the check on their receipt.

To find a Vcom ATM or any surcharge free CO-OP ATM, click here.

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IRA Special — 4.10% APY

Are you concerned that your retirement accounts are not performing or even worse, not fully protected? Transfer your IRAs to E-Central and take advantage of our Fall IRA Special, which pays a 4.10% APY for a 9-month term. This special offer is for new money only and requires a minimum deposit of $5,000. Call for more details or the best method to transfer your IRA.

*APY = Annual Percentage Yield. Rates subject to change at anytime without notice.

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Holiday Reminder

The Credit Union will be closed to celebrate the following holidays:

New Year’s Day:
Tuesday, January 1, 2008

M L King Day:
Monday, January 21, 2008

President’s Day:
Monday, February 18, 2008

Memorial Day:
Monday, May 26, 2008

Independence Day:
Friday, July 4, 2008

Labor Day:
Monday, September 1, 2008

Columbus Day:
Monday, October 13, 2008

Veteran’s Day:
Tuesday, November 11, 2008

Thanksgiving Day:
Thursday, November 27, 2008

Christmas Day:
Thursday, December 25, 2008


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