E-central Credit Union Pasadena CA | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to E-central Credit Union, your trusted financial partner nestled in the heart of Pasadena at 990 S Fair Oaks Ave, Pasadena, CA 91105. Established in 1943, we have proudly served our community for over 80 years, fostering a sense of belonging among our 9,619 members. Our commitment to providing top-notch financial services is evident in our impressive assets totaling $170,399,606 and a robust deposit base of $28,838,309. At E-central, we understand that personal connections matter. Whether you're looking for an auto loan or planning to open a savings account, our friendly team is here to help you navigate your financial journey. Under the leadership of CEO Mike Theodore and Board President Mark Garmus, we strive to create an environment where your financial needs are prioritized. While you can visit us directly at our branch address for all your banking needs, please note that any official correspondence should be sent to the same location. We're dedicated to ensuring that your experience with us is seamless and rewarding. We invite you to explore the many services we offer from checking and savings accounts to business loans and credit cards with rewards. With total loans amounting to 2,150, we are well-equipped to support your financial aspirations. Plus, with a net worth of $38,260,189, you can trust that your money is in safe hands. Ready to take the next step? Call us at 626-799-6000 or visit our website at E-central Credit Union for more information. Let's embark on this financial journey together!

Branch History & Mission

Community Impact

Our connection with the community is vital. We actively participate in outreach programs and partnerships that uplift those around us. Whether it's through educational workshops or local sponsorships, E-central aims to make a positive impact on lives in Pasadena. E-central also provides convenient features like ATM access and shared service centers for all members who may need assistance outside regular hours. We are here from 8:00 AM to 5:00 PM during weekdays to serve you better.

Join Us

We invite you to become part of the E-central family. Experience firsthand how we can help you achieve your financial goals while supporting the community you live in. Visit us today or explore more about membership options at E-central's website. Together, let's build a brighter financial future!

Our Journey

E-central began its journey with a simple mission: to provide accessible financial services that empower individuals and families. Over the years, we have expanded our offerings to include personal banking options such as checking and savings accounts, auto loans, mortgages, and business banking services. Each milestone in our history has reinforced our belief in putting members first. Located at 990 S Fair Oaks Ave, Pasadena, CA 91105, E-central is easily accessible for all your banking needs. Our branch is close to local landmarks like the beautiful Pasadena City Hall and the vibrant Old Town district. While members can visit us at this address, official correspondence should be sent to the same location.

Our Mission

At E-central, our mission goes beyond just providing financial products. We strive to create lasting relationships within our community by offering personalized service and support. Our goal is to improve the financial well-being of every member while fostering a sense of belonging. As part of our commitment to accessibility, we offer a range of digital services including online banking and mobile payments. We ensure that everyone can engage with us in ways that suit their lifestyle while maintaining compliance with ADA standards.

Branch Location & Accessibility

Welcome to E-central Credit Union, your friendly financial partner located conveniently at 990 S Fair Oaks Ave, Pasadena, CA 91105. Nestled in the heart of Pasadena, our branch is just a short drive from popular local spots like the historic Pasadena Playhouse and the beautiful South Lake Avenue shopping district, making it easy for you to stop by while enjoying your day out. At E-central, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can easily access our services. Parking is available nearby, allowing for a hassle-free visit. While you can come see us at our branch for all your banking needs, please note that any official correspondence should be directed to the same address: 990 S Fair Oaks Ave, Pasadena, CA 91105. Our friendly team is ready to assist you during our operating hours from 8:00 AM to 5:00 PM, Monday through Friday. Whether you're looking to open a new account or explore loan options, we're here to help with personalized service tailored just for you. In addition to traditional banking services such as checking and savings accounts, we offer a range of options including auto loans, mortgages, personal loans, and credit cards with rewards. Plus, our shared service center allows members of partner credit unions to conduct basic transactions like deposits and withdrawals right here at E-central. For your convenience, we also have an ATM available on-site for quick cash withdrawals and balance checks. While we currently do not offer drive-thru services, our welcoming lobby is always open for you. If you have any questions or need assistance before your visit, feel free to give us a call at 626-799-6000. We look forward to seeing you soon at E-central Credit Union!

Member Eligibility

Becoming a member of E-central is like joining a caring community where your financial needs are prioritized. If you live, work, or go to school in the Pasadena area, you're already on your way to becoming part of our family! We welcome anyone who shares our commitment to better banking and community support. For more detailed eligibility information, please visit us at http://www.ecentralcu.org/membership . Joining is simple and straightforward; you can start the process by visiting our account opening page at https://ecentralcu.originate.fiservapps.com/xsd1tl1wlugigow/getting-started/landing-page . If you have any questions or need assistance, don't hesitate to call us at (626) 799-6000. We look forward to welcoming you to E-central, located at 990 S Fair Oaks Ave Pasadena Ca 91105, where your membership opens doors to a range of financial services designed just for you!

Business Banking & Commercial Services

Financing Your Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $76 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $70,920,242, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Make a Difference

In addition to loans, our merchant services simplify your payment processes. Imagine being able to accept payments easily from customers whether online or in-person. With our solutions, you can focus more on what you do best: running your business. Located at 990 S Fair Oaks Ave Pasadena Ca 91105 in Pasadena, CA, we're here to help you navigate the financial landscape with confidence. For more information, call us at (626) 799-6000 or visit us online at E-central Credit Union. Let's work together to take your business to new heights!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Looking to buy a new car? Our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. With competitive rates and flexible terms, you can drive off with confidence knowing that you made a smart financial decision.

Business Banking Services

For our business members, we provide comprehensive banking solutions tailored just for you. From merchant services that help streamline transactions to business loans that support growth, we're committed to helping local businesses thrive.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why E-central offers robust online and mobile banking features. Whether it's making deposits through mobile apps or accessing ATM services for cash withdrawals managing your money has never been easier.

Credit Cards with Rewards

Earn rewards while you spend with our credit cards! Designed for everyday purchases, our cards offer cash back and other benefits that make every swipe count. Plus, managing them is easy through our online banking platform.

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing an existing mortgage? Our mortgage loans are designed to make homeownership accessible. We guide you through every step of the process, ensuring that you find the best mortgage option for your situation.

Personal Banking Solutions

We understand that managing your finances is essential for achieving your life goals. That's why we offer various personal banking options, including checking and savings accounts designed to fit different lifestyles. Our accounts come with features like online banking and mobile access, making it easy for you to check balances, transfer funds, or pay bills right from your smartphone.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans provide a safety net when needed most. If you're juggling multiple debts, consider our debt consolidation options to simplify your payments into one manageable monthly bill.

Shared Branch Transactions

If you're a member of another partner credit union, don't worry! We offer basic shared branch transactions such as deposits and withdrawals so you can access your funds conveniently wherever you are. Your financial wellness is important to us, and we're here to assist you in making informed decisions. Explore how E-central can empower your financial journey today! Visit us at E-central Credit Union or call us at (626) 799-6000 for more information on how we can serve you better.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization, which simplifies document signing. You won't have to worry about printing or mailing documents anymore; everything can be done electronically with just a few clicks. We also provide e-statements, which means you can view and download your account statements online whenever you need them. This not only helps reduce paper clutter but also keeps your financial information organized and easily accessible. If you're looking for convenience in payments, our mobile payments feature lets you make purchases using just your smartphone. And with our mobile application available for download, managing your account has never been more straightforward. Whether you're at home or out running errands, you'll have all the tools you need right at your fingertips. Additionally, our person-to-person transfer option allows you to send money directly to friends or family without needing cash or checks. It's quick, easy, and secure perfect for splitting bills or sending gifts. At E-central, we're committed to making banking simple and secure for all our members. Explore more about our digital services today at https://www.ecentralcu.org/ and take control of your financial journey!

Financial Strength

A Trusted Partner

Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 17,920, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, E-central is your trusted partner. Visit us at 990 S Fair Oaks Ave Pasadena Ca 91105 or call (626) 799-6000 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $38,074,981 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $412 in used auto loans and $131,409,780 in total loans and leases. Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 29 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Focus

Members' savings are secured through $28,635,720 in share certificates and $11,546,450 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $38,260,189, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,243 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,962,770 in used vehicle loans and $3,720,263 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles to ensure that you can find the right fit for your lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $70,920,242 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in equipment or inventory, we're here to support your business goals. At E-central located at 990 S Fair Oaks Ave Pasadena CA 91105, we pride ourselves on providing exceptional service and financial products that meet our members' needs. If you're interested in learning more about our loan offerings or checking your eligibility for membership, please call us at 626-799-6000 or visit our website at E-central Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,564,965 in loans helping members manage their finances effectively. This can be an excellent option for those looking to consolidate debt or cover unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,704,831, make buying or refinancing simple. We also have refinancing options available to help you lower your monthly payments or access cash from your home's equity.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and trustworthiness in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that help you find the best options available. - Real-Time Rate Comparisons: Users receive up-to-date loan rates from multiple institutions. This feature empowers individuals to compare their options effectively, saving time and money. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the platform's reliability in delivering valuable insights into loan offerings. For anyone looking to navigate the complex world of loans, LendMesh stands out as a trusted tool for making smarter financial decisions. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

E CENTRAL CREDIT UNION