E-central Credit Union


990 S Fair Oaks Ave
Pasadena, CA 91105
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.70% →
1-Year CD N.A. 2.02% →
2-Year CD N.A. 2.87% →
5-Year CD N.A. 3.50% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

E-central is an NCUA insured institution located in Pasadena, CA. It was founded in 1943 and has approximately $193.98 millions in assets.

Who can join?

You are eligible to join E-Central if you meet one of the following criteria:

Work at one of the union's Select Employee Groups (SEGs).

Have a family member or household partner that’s an E-Central Member.
Belong to another credit union.

Live, regularly work, currently attend school or regularly worship in San Gabriel Valley or

The City of Commerce or neighboring cities around Commerce, including the following cities:

· Alhambra
· Altadena
· Arcadia
· Azusa
· Baldwin Park
· Bell
· Bell Gardens
· Bradbury
· Charter Oak
· Citrus
· City of Industry
· Claremont
· Commerce
· Covina
· Cudahy
· Diamond Bar
· Downey
· Duarte
· El Monte
· Glendora
· Hacienda Heights
· Irwindale
· La Canada/Flintridge
· La Puente
· La Verne
· Mayflower Village
· Maywood
· Monrovia
· Montebello
· Monterey Park
· Pasadena
· Pomona
· Rosemead
· Rowland Heights
· San Dimas
· San Gabriel
· San Marino
· Sierra Madre
· South El Monte
· South Pasadena
· Temple City
· Vernon
· Walnut
· West Covina
· West Puente Valley
· Whittier

NCUA Insured Yes / State-Chartered
Charter Number # # 62323
Date Established 1943
Assets $193.98 million
Loans $112.59 million
Deposits $160.44 million
Capital $32.30 million

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.

Deposit Rates - July 6, 2022

Your Current Location: California, CA 92111

We do not yet have rates for E-central

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Advertiser Disclosure

Loan Rates - July 6, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for E-CENTRAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 413-0477
5.233% 5.125% 0.88 $3,048 $1,362 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.887% 5.750% 1.00 $3,750 $1,459 Learn More
First Internet Bank
NMLS ID: 424182
5.185% 5.125% 0.63 $1,692 $1,362 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
4.240 %
After Intro: 5.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are E-central branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

E-central Locations

Climate Initiatives

E-CENTRAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

E-central Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of E-central. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
E-central U.S. Average
3.10% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, E-central had $825,517 in non-current loans and $223,350 in owned assets. To cover these potential losses it had $32,304,487 in net worth and $1,513,233 in loans loss reserves. That gives it a Texas Ratio of 3.10%.

Net Worth
E-central U.S. Average
16.65% 12.36%

E-central FCU has a net worth of 16.65% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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