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E-Central

990 S FAIR OAKS AVE, Pasadena, CA 91105
NCUA Insured3.3 (65 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1943

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

990 S FAIR OAKS AVE

Pasadena, CA 91105

Service Area

This credit union is located in Pasadena and serves members in the CA area. Currently serving 8,963 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.13%

Used Auto Loan

7.73%

Personal Loan

12.51%

Credit Card APR

17.71%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.3

65 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Richard Sanchez

Richard Sanchez

7 months ago

I have used E Central Credit Union for car loans in the past and they have done a great job on the loan. Also, when I go into their location for banking services they are quick and friendly.

Fred Fedail

Fred Fedail

7 months ago

By far the best place to bank. The tellers are amazing, always happy to see you and very courteous. I highly recommend E Central

Cecilia Ramirez Thompson

Cecilia Ramirez Thompson

5 months ago

I appreciate their attentive customer service every time I walk in. When my account has suspicious activity they connect with me immediately.

Heather Carlson

Heather Carlson

a year ago

Update to the comment: the last name is different that is on file with you, this is my maiden name. And I went through your car shopping services. They delivered the vehicle to the bank and I signed paperwork with I believe her name was Anita. This place is AWFUL! They’re sneaky and lie to you about how much you’ll be paying for your car until you get in to sign the paperwork and the car is waiting for you in the parking lot. I told them I didn’t want a payment above $350, I’m paying $500 a month. I didn’t want to put more than $3000 down.. when I got in.. guess what? $5000. When you try to deposit money they make you wait 10 BUSINESS days.. so you’re waiting two weeks for your money to be processed. The customer service sucks. Some old lady working at the front desk is extremely rude. 100000% would NOT recommend to anyone… EVER. Take your money somewhere else. Don’t waste your time with this place. They’re so SKETCHY.

Diego Diaz Kropman

Diego Diaz Kropman

a year ago

Do yourself a big favor and open your bank account somewhere else or else you will regret. I had read all the bad reviews prior to open mine and thought it would not affect me. Wrong. They put your account on hold for no reason. When you try to pay someone they tell you to call Zelle, but you call Zelle and it turns out it is just E-central freezing your funds. Then you need to call them, which takes regularly 10 to 15 mins to get to speak with someone that is regularly not nice at all, and they tell you that it is Zelle, but somehow they magically release your payment. So it is E-central who is illegally holding your funds. Even after I called them three times this week asking them to release all holds in my account which is my right to use my money. They won't do it. I will report them as well, because there hasn't been any fraudulent activity in my account ever. Not only once. So they don't have a valid reason to do it. On top of that, their operating systems (website, atm, etc.) are extremely outdated and not user friendly at all. Stay away.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).