I just purchased a used vehicle and the first and only place I went for my loan was E Central Credit Union. The process was easy, I was able to get a good rate and they came through with all their promises. I highly recommend using E Central for an auto loan. read more

Not what I expected coming from a credit union bank...Elizabeth was very nice but once I got referred to another banker or lender he never called me back I was the one calling him asking him how my process was going ... then got pass down to another lender idk just had unpleasant experience read more

Excellent rates on our money, very professional and courteous service. Big bank can't even come close to the rates and service E-Central Credit Union gives there customers. I highly recommend E-Central Credit Union and their staff. Whittier, CA read more

I've been with E-central since the late 1970s. Back then it was named "Sothern California Central Credit Union." They have always had excellent service, both on-line, by phone and in-person. Never a problem. read more

I am so glad that I switched from a bank to E-Central 10+ years ago. I always experience prompt and cheerful support, and it's nice not to have to worry about all the fees that banks keep adding. If you still do your banking with a bank I feel sorry for you. read more

This is probably the worst credit union, sometimes they have two staff members to attend the customers, only open 3 days per week having covid as an excuse, their computers not working many times, and their glitchy app and website it's definitely not the best, but the worst part is that they are rude over the phone. I took my money out. read more

I had the pleasure of working with Erwin and Tracy on the refi. of my mortgage. I have had 2 positive interaction on auto loans from this bank before. I moved far out to the I.E. but because of such a great experience I called them up to do the refi. They did not disappoint. I had called multiple (10) other sources to get quotes. None of them came close to there rates as well as there service. Seriously amazing people to work with. They were not pushy and only suggested things when it would truly benefit me. I would 100% come back with friends and family to this bank. I did my homework so i know the difference. read more

I highly recommend using E Central for an auto loan, The process was easy, I was able to get a good rate, Sayra P. the loan officer has made my transaction very smooth, and with good communication. read more

Had a savings account as a backup with them, however since the interest rates were so low, I changed to a bank with a 4.1% interest rate instead (more money in my pocket). I kept the account open because despite not having convenient locations to make the occasional cash deposit, I thought I could use them for a lower interest rate when applying for a used car loan. Their site advertises 6.24% APR for those with excellent credit (which I have). So when I was told my rate would be 8.5% I asked why and was told it was because of my relationship with them not being my primary bank. So I told the loan officer I was going to close the account, to which she was unphased, and I followed through. The account doesn't suit me and I was being charged fees monthly for being below a monthly balance. I only gave them a second star because when interacting in person, the staff is really friendly and efficient. read more

Excellent customer service. Always so genuine and friendly. Although it's out of the way for me to go in person, I do not mind driving due to the excellent service I receive. read more

Recent Car purchase experience through E-Central Credit Union. Greg Kimura did not make a deal that was any better than a normal credit union member could achieve, despite the fact he was strongly recommended. Greg lied by promising a two day turnaround for the custom wheels that take a full week to process. Elizabeth Carrillo, the loan officer at the credit union, provided Excellent Customer service. Use Elizabeth exclusively if you can. Avoid Greg as he will lie to close a deal. Lawrence Williams read more

We just refinanced for a better interest rate with Erwin and Traci as our guides. They were great to make this process easier. One little snafu with the payoff amount, but I am sure we will get that sorted out easily. Thank you both for your help in this re-finance. read more

Compared to other credit unions or even big banks, Ecentral is awful. Typical phone wait time to speak to a representative, regardless of type of inquiry is about 20 to 30 minutes. If you deposit a check through your mobil device, expect to wait about a week before it clears and it's available for use. Costumer reps are rude. Never dealt with them in person since the account was opened through an employer but online and phone service is a joke. read more

Lorena Zendejas was so pleasant and helpful with opening up my checking and savings. She explained everything through and answered all my questions, I would recommend anyone who's interested in getting an account to go an see her. She will make your experience beyond great. read more

I love coming here. They are very helpful and efficient. I love them. Ana is always helpful ... always welcoming. I miss Mr Peter though but over all .. I love this bank. read more

Sayra Panguia was very professional and helpful with me getting a car loan. She also advised of ways that will be helpful to my credit and how to build my credit. She made sure I purchased the best extended warranty for my car. I am now a full member and will be utilizing all services they provide. She's the best loan officer and I recommend her to anyone that wants to become a member. Thank you Sayra P! read more

I have used E-Central for many years, mainly as a savings account. I don't access it often, however, I have always had access to my account through ATM when I need it. Well there recently came a time when I needed to get money out. The ATM ate my card and never gave me the money! I finally called to find out why and they told me that it had expired. I told them that I never received a new one. They said "that is because you didn't use it much so we just didn't send you a new one." What bank doesn't send you a new card before it expires??? read more

Been with them since last year and yet to have a good experience. First off the hold on deposits is ridiculous, if you deposit on the weekend you will have no money until the next business day. If you deposit with a check it takes about 5 days to clear before you get an available balance. Secondly, there is a lack of professionalism from there telephone bankers and it's quiet annoying and frustrating. I have called multiple times and I always manage to get someone who speaks to me with the most condescending voice ever. They speak to me like an idiot and they make me feel dumb for asking questions. I'm fed up with this company and I will no longer be doing business with them. P.S. Never go to the commerce office to look for an ATM. There isn't an accessible one after hours. Monday-Friday 8-5. You'll end up driving to Pasadena to make a deposit just to realize none of your money is available. read more

The 5 star is strictly for their car loan process. We had gone to a dealer and were quoted an outrageous monthly payment without the dealer even checking our credit. Overwhelmed with our day at the dealer, we decided to apply for a loan through our credit union. From there everything went smoothly. We ended up with Sayra as our loan officer and she was the BEST. She introduced to Greg who helped us find a great car through the credit union. Greg listened to our needs and although we ended up with a car that we hadn't even considered, it checked off all the boxes on what we were looking for. There are too many cars out in the market and it was nice to have someone advocate for our needs. The car was delivered to us, we were still able to test drive it, and it was actually better than any of the cars we test drove at the dealer. Once we had the car, Sayra finalized the loan and we handled the paperwork electronically. Everything was easy and I can't imagine ever going to buy a car at a dealer again. Also the credit union offered us an extended warranty which gives us even more peace of mind on the car. We ended up with a car that we love, a payment within our budget, and most importantly everything was handled with professionalism. 5 stars for Sayra, Greg, and the ECentral crew! read more

Always friendly and with a personal relationship with those who show their commitment to excellence and great attention to detail when it comes to customer service. I've been a member since 1995, wow I just realized im going on my silver anniversary as a member! I haven't been offered better rates by any of the commercial banks. I wouldn't change banks without a financial gain. E- central gives me that! read more

I moved my money to E-Central a couple of years ago after being fed up with my "too big to fail" bank. I'm happy I did. When looking for a credit union, I chatted with a couple of friends, co-workers and family members. The name that kept coming up was E-Central, so I figured I'd give them a shot. I met with a very nice woman who answered all of my questions. When I finally decided to move my money, she made the transition easy. So, I've been with E-Central for a few years now. They've always been extremely professional and personal. I recently applied for a loan. I thought my odds of success were slim, but the loan agent went to bat for me and I secured the loan. I was... and am now, impressed. read more

Not the best credit union! I had an account with them for a few years but no longer do. They take forever with deposits. When my card got canceled because of fraud, it took them forever to send me a new card because they assumed I had a secondary card. I asked if they could send me a new card ASAP and they said no. I had to wait the 7-10 business days. I had to try to look for shared branches so I could withdraw money from my account which wasn't always easy since I work during the week and shared branch banks close at 5pm the latest during the week and there are only a few shared branch locations open on Saturdays. I stopped using the account and kept getting over draft fees until my account got closed which was fine since I ended up getting a new bank to bank with. Unfortunately the IRS has this banking info from my 2019 tax return. I tried to ask if the IRS attempted to deposit the stimulus check into my now closed account and the whoever I spoke to said I need to call the IRS. The IRS isn't taking phone calls!!!! read more

Traci and Charles at E-Central FCU, Thank you both for making this experience so easy for me. All along this journey, both of you have demonstrated only professionalism and an absolute level of customer service which today is rarely seen, let alone experienced. I am so grateful that E-Central FCU has representatives like yourselves and I commend your supervisors for having the wherewithal to have hired people like you. This experience only reinforces that I made an excellent decisions a few years back in having a mortgage with E-Central and now a refinance. I look forward to continuing my membership and business with E-Central for many many years to come and again I just want to simply say thank you for all of your hard work on my behalf. All the best, Luis read more

We love our Credit Union, Charles and Evan are a pleasure to deal with always are available to help with any service we need! Car loan? They make it simple! Mortgage? Quick and Easy! Thanks for everything! The LeBruns read more

I've been with this credit union since 2006 and have had nothing but a good experience. I'm really shocked there's so many bad reviews. I will say that lately when I call I am on hold for a long time and it is very frustrating. I expressed my concerns and was told that they are short of tellers so I don't want to hold that against the bank overall. I'm hoping that they will fix this and hire someone soon. I also am not sure why everyone is saying they put a hold on your deposits. That's false, I have never had my deposits held. You cannot compare a credit union to a regular bank so maybe some of these folks are confused. Idk, but I love E-Central read more

Liz and Traci @ ECU has the best customer service. They helped me open a credit card and an checking/saving account. They are very detail about all the account info. If you need a car loan, open an account and mortgage loan, this is the best place to go. read more

Loved the personal attention and quick response from all the staff involved in my loan process! A ++++

Horrible Customer Service. Came here to open an account as it's associated with the company I work for. Had me waiting 45 almost an hour and they took someone before as I just quietly stood there waiting. Will not come back here. Managers kept saying I'll be helped, after 50 mins of waiting I left. Thanks a million E Central read more

Great customer service and speedy process. I was able to close my Mortgage refinance loan in less than 21 days. Erwin Calixto, Howard Chang, and Tracy Truong are THE BEST at what they do. Explanation of services was clear and always responded to my questions within minutes or next business day. Will definitely work with this team again in the future as they make the process very easy and convenient. Keep up the great work!!!! read more

I'm happy to report that E-central has redeemed itself in my eyes. It took about a day, but the manager called me back and was totally patient and clear in explaining their policy on fraudulent charges. Amazingly, they really do expect you to go file your own police report for certain fraudlulent charges, but the rep who told me that it was required on a $40 error was apparenlty imagining things. Now, my rule of thumb is that if you piss off a customer, you owe them one and should do something to atone for the mistake. Any symbolic gesture will do. E-central did no such thing. I had to call the cab company, explain that my credit union was requiring a police report, and that scared them into reversing the charge right away. But still, a polite chat with the E-central manager is enough for me, so they get the third star. If they hook me up with a sweet car loan, I might bump it up to 4 ;-). All in all, that little bit of headache is worth it to not support Smells Cargo anymore. Those people are a bunch of sociopaths. read more

Erwin and Traci were AMAZING. So responsive and knowledgable. They were able to close my loan in 15 days. I was really on a time crunch and they really came through. I would highly recommend them and their branch to anyone. They never went more than 24 hours without responding and were so accommodating. My loan was not huge, but they never treated it as anything but a priority. Thank you!!! read more

Hello. I would like to express my Deepest Gratitude to those Who work at this E-Central Credit Union in Pasadena. Especially 2-Staff Members (Charles Bautista and Tracy Truong) who went over, Above and that Extra 2-Miles to see their Way in Assisting us through this uncharted path of Refinancing our Home. Now, I reallize that every Family who Refinances Has their individual obstacles, but! there were No Obstacles that could have stopped these 2-Individuals from Achieving the Task at Hand. These 2-Beautiful Individuals not only jumped over Legal obstacles and Barriers that no other Financial Institution would Dare to put their Feet These Uncharted Waters. You see, we were Locked into a Subprime Mortgage In 2007 and instead of loosing our Home, we held Onto it thru, Blood, Sweat and Many Tears (LITERALLY!) That we saw no way out. Then, after several attempts, through out the years, We (Through the Grace of God) Found that E-Central Had been reaching out to us to With different Financial opportunities, including Refinancing. We were skeptical at first, yet Charles assured Us that The process is not that bad. Then Tracy stepped in an did Her Magic. You talk about Magic? We closed our Mortgage in a matter of 1-mo. (Give or take) far sooner then We ever imagine. We thought it was too good to be True. Yet, with "Faith", Anything is possible. And with E-Central, the possibilities are Endless Especially with these 2-Individuals! God Has Rewarded them Greatly! This Compliment is a Testament to one of those rewards. We Love our Home, We Love E-Central and We especially Love those 2-Individuals., "CHARLES BAUTISTA" and "TRACY TRUONG"! Kudos************** GOLD STARS for BOTH. read more

OMGGGGG Charles Bautista is the BEST!!!! He was so kind and helpful!!! He made the loan process go SO smoothly and SUPER quick! He answered EVERY question I had and went out of his way to help me and alleviate my stress! THANK YOU CHARLES!!!! YOU'RE THE BEST!!! read more

I had another great experience with E-Central, loan officer Erwin Calixto was extremely helpful and attentive to my situation!

9/10/2020 I have been a member with E-Central Credit Union for decades! Also all of my 100+plus co-workers are still members as well. I could never say enough about how amazing we have always been treated and educated on the very best for all of our needs. Sandra Mejia from day one made me feel as special as a celebrity! She spoiled me with the one on one personal assistance and personal care. she is absolutely the very best! What stands out and will forever be in my heart... We paid off a car loan with E-Central for my daughter when she graduated from college. Sandra created the most memorable sweetest letter to my daughter in congratulating her of the payoff and honoring her in her endeavors. The above and beyond service has been an incredible experience. For years Sandra has personally directed and advised me in the perfect fit savings and loans for our home, cars and now our business. My husband and adult children are all proud members. We couldn't be more happier. Sayra Panguia is the newest member we just gotten the pleasure of doing excellent car loan and extended warranty business with. Sayra's personal touch with us has been fabulous! Our care with E-Central continues to feel comfortable, honest, loyal, safe, trust worthy. a blessing. read more

I have been with E-Central Credit Union since the '90's! They are one of the best Credit Unions I have dealt with over the years. Several of my co-workers use E-Central for savings, checking and car loans, etc. Economy Office Supply proudly uses E-Central Credit Union!! Professional, nice, accommodating and overall very convenient! read more

Had a great experience with Elizabeth Carrillo. She was extremely professional, completed everything that I asked of her within a reasonable amount of time, and was excellent at communicating with me about the process and where we were at each step of the credit card process. I would absolutely go to her again for any help! Highly highly recommend! read more

Terrible customer service from a rep named Sandra. There was a discrepancy with a payment transaction that she and another rep screwed up and when I called to discuss with her, she was rude and dismissive, didn't offer to do any research or anything that would help the situation. Terrible people skills and even sounded like she hates her job. She then transferred me to the operation supervisor who's job was simply complete the transaction and not address his employees mistake. Again, terrible customer service because there was a complete lack of acknowledgement of the error, especially since they dont record their calls. Hmmm, I wonder why... Well, they may choose to ignore their mistakes but I won't and Yelp isn't the only place this review is getting posted. read more

STAY AWAY FROM THIS BANK!!! They hold your deposits for the whole 5 business days, not up to 5, ALL 5. In my previous bank i never had any problems accessing my money, i could deposit at an atm and have it all be available in my balance for any payment that came through. No holding of checks. Not so with this bank!! I foolishly gave them my money by depositing 2 checks totalling $1100; one of them was a PAY ADVANCE, meaning, I needed the money BEFORE pay day.... so I make the deposit, because i needed the money and some payment went through. I check my account a coulpe days later to realize they are holding my funds, and due to the activity in my account there are now 6 overdraft fees, because unlike good banks they chose to hold my money. They were "gracious" enough to take 2 of the 6 overdraft fees away and a couple days later, when my direct deposit came through, my funds were not available because they were still holding that initial deposit until next week (deposited on a Wednesday and my funds not released until the following Tuesday. So I was completely screwed, I had a balance of $1700+ and about $700 worth of bills due on that payday, and only $400 were made availble. Not only was there the hassel and punishment of the overdraft fees but i was unable to meet my fianacial obligations on pay day, despite having more than enough money to cover them because they were holding my money hostage. I had 2 past due bills this check was supposed to cover, my gas, internet and phone service were all cut off by paydate and this was supposed to bring all my bills to current and restore service, instead I had to wait from Friday till Tuesday, without gas, phone or internet because they wouldnt release my money. STAY AWAY Talking to a manager made no impact since once again all that was reiterated was that my funds wouldnt be available until the following Tuesday. So on Tuesday Im going down there to close my account and take my business to a bank that trust me and understands that hard working people have bills to pay and need access to their money without the ridiculous hassel of a 5 day wait that completely screwed up my finances and made me go back on payment agreements i had made. read more

Just wasted 15 minutes of my life trying to reset the password for online banking .... and the worst part is, this was after they forced me to change it. Ok, fine, no problem. Then, it wouldn't accept my NEW password to login. Had to go through the password reset process, at least a dozen times before it finally worked. WORST. ONLINE. BANKING. EVER. read more