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You are about to leave Central State Credit Union’s web site. We have provided this link as a courtesy, but it is in no way an endorsement by Central State, and we are not responsible for its content. Please remember that when you leave our site, our Privacy Policy is no longer in effect. Once you visit another site, your web privacy and security is defined by that web site’s own policy.
Central State Credit Union
what do we offer?
ACCOUNTS
FREE CHECKING
We pack our checking accounts with loads of FREE standard benefits to make your life easier. Drop that big bank today and open your FREE Checking account with CSCU
TEEN ACCOUNTS
With Boom! teens ages 13 - 18 can learn financial responsibility with their first checking account, credit and debit card.
EARN DIVIDENDS
We have you covered at CSCU. You can earn dividends with your CSCU savings acocunts. It's your money, let it start working for you today.
AUTO LOANS
LOW RATES
Choosing the right auto loan is easy when you look at the choices you have at CSCU. Vehicle financing up to 120% of MSRP/Retail KBB.
FLEXIBLE TERMS
We offer flexible terms up to 84 months on new and used vehciles financed through CSCU.
PRE-APPROVED
Get pre-approved to purchase your new or used vehicle. We offer pre-approvals for dealer and private party purchases.
HOME LOANS
LOW DOWN PAYMENTS
Central State Credit Union offers our members low down payment options on all our home loans.
HOME INSURANCE
The TruStage Auto & Home Insurance Program provides affordable top-quality protection with online convenience and 24/7 claims service.
LOW CLOSING COSTS
Whether you are buying a new home or refinancing your current home, our knowledgeable home loan professionals have a loan to fit your needs.
PERSONAL LOANS
STARTER LOANS
Building your credit history is easy with Central State Credit Union. Borrow as little as $500 to get started.
SIGNATURE LOANS
CSCU offers Signature Loans up to $10,000 and terms up to 3 years. Our loan professionals can help you find the right loan.
SHARE SECURED
Share Secured loans through CSCU offers a lower rate by securing your loan with a matching amount in savings or a certificate.
CREDIT CARDS
LOW RATES
Choosing the right credit card is easy when you look at the choices you have at CSCU. All CSCU Mastercard Credit Cards feature low rates.
24/7 ACCOUNT ACCESS
Your CSCU Mastercard has account access 24 hours a day, 7 days a week through Online Central and Call-24.
NO HIDDEN FEES
We have you covered at CSCU. Your CSCU Mastercard doesn't have any hidden fees or penalty payment increases.
COLLEGE
scholarships
CSCU supports student members seeking higher education through our scholarship programs at the following colleges: UOP, and Delta College.
first time buyers
At CSCU we want you to drive away with a good deal, while establishing a credit history. CSCU's First-Time Auto Buyer Loans do just that.
student loans
Now you can pay for college the smart way with three great repayment options and competitive interest rates!
*APY = Annual Percentage Yield. Rates are effective as of 05/18/2023 and are for a limited time only. The minimum opening deposit is $1,000 and the maximum deposit per account is $250,000. The annual percentage yield of 4.50% APY is fixed and will be effective for a 9 month term. Offer is subject to 180-day early withdrawal penalties that may result in fees and/or reduce earnings on your deposit. Offer is subject to change.
Benefits of Membership
SPECIAL DEALS FOR OUR MEMBERS
GET COVERED WITH
GROUP INSURANCE
Third Party Link Disclaimer
You are about to leave Central State Credit Union’s web site. We have provided this link as a courtesy, but it is in no way an endorsement by Central State, and we are not responsible for its content. Please remember that when you leave our site, our Privacy Policy is no longer in effect. Once you visit another site, your web privacy and security is defined by that web site’s own policy.
BE AUTO SMART
CLICK. SHOP. DRIVE.
Third Party Link Disclaimer
You are about to leave Central State Credit Union’s web site. We have provided this link as a courtesy, but it is in no way an endorsement by Central State, and we are not responsible for its content. Please remember that when you leave our site, our Privacy Policy is no longer in effect. Once you visit another site, your web privacy and security is defined by that web site’s own policy.
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ABSOLUTELY FREE CHECKING
NO MINIMUM BALANCE
That's right, no minimum balance. We built this checking just for you!
NO MONTHLY SERVICE CHARGE
Finally, a free checking that is actually free. Visit a branch today.
PLUS, all the great not-so-standard checking features
are included with all CSCU Checking Accounts.
Central State Credit Union was established in 1936, providing low-cost financial services to state employees in San Joaquin, Stanislaus, Tuolumne, Amador, Solano, Alpine, Merced and Mariposa counties. Today, we are a Community credit union. If you live, work or worship in San Joaquin, Stanislaus, Tuolumne, Amador or Calaveras Counties you can become a member of CSCU.
For assistance, Please Call:
ONLINE SERVICES
QUICK LINKS
Third Party Link Disclaimer
You are about to leave Central State Credit Union’s web site. We have provided this link as a courtesy, but it is in no way an endorsement by Central State, and we are not responsible for its content. Please remember that when you leave our site, our Privacy Policy is no longer in effect. Once you visit another site, your web privacy and security is defined by that web site’s own policy.
SPECIAL SERVICES
PRIVACY & SECURITY
Third Party Link Disclaimer
You are about to leave Central State Credit Union’s web site. We have provided this link as a courtesy, but it is in no way an endorsement by Central State, and we are not responsible for its content. Please remember that when you leave our site, our Privacy Policy is no longer in effect. Once you visit another site, your web privacy and security is defined by that web site’s own policy.
Third Party Link Disclaimer
You are about to leave Central State Credit Union’s web site. We have provided this link as a courtesy, but it is in no way an endorsement by Central State, and we are not responsible for its content. Please remember that when you leave our site, our Privacy Policy is no longer in effect. Once you visit another site, your web privacy and security is defined by that web site’s own policy.
Third Party Link Disclaimer
You are about to leave Central State Credit Union’s web site. We have provided this link as a courtesy, but it is in no way an endorsement by Central State, and we are not responsible for its content. Please remember that when you leave our site, our Privacy Policy is no longer in effect. Once you visit another site, your web privacy and security is defined by that web site’s own policy.
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