Last Updated: 04/18/2025
E-Central Credit Union Roth IRA
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.05%(Verified 06/21/2024)
Minimum Opening Deposit
$0
Minimum Balance to Earn APY
$0
E-Central Credit Union Roth IRA Review
E-Central Credit Union Roth IRA is offered by E-Central Credit Union, a credit union founded in 1943 and based in Pasadena, CA. E-Central Credit Union Roth IRA are available in 50 states and Washington, DC.
Key Takeaways
- Low interest rate. The maximum annual percentage yield for this account is only 0.05%.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
E-Central Credit Union Roth IRA Pros & Cons
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E-Central Credit Union Roth IRA FAQ
Are savings accounts from E-Central Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does E-Central Credit Union offer a signup bonus?
E-Central Credit Union Roth IRA doesn't offer a signup bonus.
What is the minimum initial deposit for E-Central Credit Union Roth IRA?
There is no minimum deposit to open a E-Central Credit Union Roth IRA.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Required Balance | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does E-Central Credit Union Roth IRA offer?
E-Central Credit Union Roth IRA offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does E-Central Credit Union Roth IRA charge?
E-Central Credit Union Roth IRA does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $25.00 fee.
- Outgoing international bank transfers come with a $40.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- E-Central Credit Union Roth IRA charges $3.00 every time you request a paper statement.
What features and perks does E-Central Credit Union Roth IRA offer?
This savings account includes the following features:
- Mobile Banking Services - E-Central Credit Union Roth IRA allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to E-Central Credit Union Roth IRA?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for E-Central Credit Union Roth IRA?
The customer support email for E-Central Credit Union Roth IRA is info@ecentralcu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:30AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:30AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed