Credit union · NCUA insured
E-Central Credit Union CD Rates
E-Central Credit Union’s best CD rate is 1.90% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How E-Central Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where E-Central Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
E-Central Credit Union
1.90%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $987
Certificate
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
E-Central Credit Union CD score
62
CD score
Higher than 7% of U.S. banks and credit unions
- 3–8 months3–8 mo0.55%
- 9–15 months9–15 mo1.60%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo1.90%
- QualifiedQualified1.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where E-Central Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate
Up to 1.90%APY · 7 terms
Offers certificate accounts to Southern California members throughout Los Angeles County. Rates stated as APY. Fees and early withdrawal penalties may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 months | 0.45% | $11 |
| 6–11 months | 0.55% | $27 |
| 12–23 months | 1.60% | $160 |
| 24–35 months | 1.75% | $353 |
| 36–47 months | 1.80% | $550 |
| 48–59 months | 1.85% | $761 |
| 60 months | 1.90% | $987 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Certificate Special (New Money)
3.75%APY · 1 term
Limited time offer. Requires $7,500 in new money (funds from another financial institution). Available in IRA. At maturity, renews at standard 6-month term at prevailing published rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsRequires $7,500 in new money. Available in IRA | 3.75% | $248 |
Sources (2)
All captured Oct 6, 2026
Certificate Special (Standard)
3.60%APY · 1 term
Limited time offer. Available in IRA. At maturity, renews at standard 6-month term at prevailing published rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsAvailable in IRA | 3.60% | $239 |
Sources (2)
All captured Oct 6, 2026
IRA Certificate
Up to 1.90%APY · 7 terms
Minimum balance is $1,000 for IRA and Roth IRA Certificate. Rates stated as APY. Early withdrawal penalties and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 months | 0.45% | $11 |
| 6–11 months | 0.55% | $27 |
| 12–23 months | 1.60% | $160 |
| 24–35 months | 1.75% | $353 |
| 36–47 months | 1.80% | $550 |
| 48–59 months | 1.85% | $761 |
| 60 months | 1.90% | $987 |
Sources (1)
- ecentralcu.org/about-us/rates · captured Oct 6, 2026
Who can join E-Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any business, corporation, or other legal entity located in the eligible cities can join E-Central as a business-member.
- Individuals who live, work, attend school, or worship in San Gabriel Valley, Commerce, CA, or neighboring cities of Commerce are eligible for membership.
Employers and groups
- Employees of Select Employee Groups are eligible to join.
Family and household
- Family members or household partners of a current E-Central member in good standing are eligible to join.
Other ways
- Individuals who belong to another credit union are eligible to join.
Membership information collected October 5, 2026.