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E-Central Credit Union

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E-Central Credit Union Rates & Review April 2026

Q: How many branches does E-Central Credit Union operate?

E-Central Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join E-Central Credit Union?

Yes, to access services at E-Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, E-Central Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, E-Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 19, 2026

E-Central Credit Union's 8 CD Special (New Money) rates are at 3.75%, 8 CD Special (Standard) rates are at 3.60%. MonitorBankRates evaluates the financial stability of E-Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.97%. Rates were last updated on 04/19/2026.

E-Central Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at E-Central Credit Union? Share your experience about E-Central Credit Union by leaving a review below, or read customer reviews before you decide to use E-Central Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.97%

Excellent Lower than avg

E-Central Credit Union
E Central Credit Union

990 S Fair Oaks Ave
Pasadena, CA 91105

https://www.ecentralcu.org

E-Central Credit Union CD Rates

Product	Rate	APY	Term
8 Certificate Special (New Money)	-	3.75%	8
Min Deposit $7,500 Details Requires $7,500 of new money; Available in IRA Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
8 Certificate Special (Standard)	-	3.60%	8
Min Deposit $1,000 Details Minimum Deposit: $1,000; Available in IRA Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for E-Central Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather E-Central Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with E-Central Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name E-Central Credit Union

Website https://www.ecentralcu.org

Address 990 S Fair Oaks Ave, Pasadena, CA 91105

Phone 626-799-6000

Fax 626-799-6950

President Mark Garmus

CEO Mike Theodore

Full-Time Employees 31

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.97%

Return on Assets (ROA)

0.7746%

Return on Equity (ROE)

3.4122%

Non-Performing Loans Ratio (NPL)

0.67%

Total Assets

175,554,987

Total Amount of Shares and Deposits

133,395,506

Total Shares and Deposits < 1 Year

129,229,376

Total Shares and Deposits 1 3 Years

3,077,265

Total Shares and Deposits > 3 Years

1,088,866

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

7,498,731

Total Uninsured Shares and Deposits > $250K (F+J)

7,498,731

Total Insured Shares and Deposits > $250K (item 17 less item K)

125,896,775

Total Interest Expense (Sum of items 6 8)

854,261

Share Certificates

1,047

Number of Accounts for Share Drafts

5,591

IRA KEOGH Accounts

452

Number of Accounts for Regular Shares

11,642

Money Market Shares

361

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

47,266,745

Total Liabilities

135,791,731

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About E-Central Credit Union

Is E-Central Credit Union a safe place to deposit money?

Yes, E-Central Credit Union is considered a safe financial institution. With a Texas Ratio of 1.972616526871%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does E-Central Credit Union operate?

E-Central Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join E-Central Credit Union?

Yes, to access services at E-Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, E-Central Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, E-Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does E-Central Credit Union offer online and mobile banking?

Most modern institutions like E-Central Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ecentralcu.org.