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Central State Credit Union

Rate Central

Mastercard
7.99% APR
New Auto Loans
2.49% APR
Used Auto Loans
3.04% APR
Savings Rate
0.025% APY
Share Plus Account
0.025% APY
APR = Annual Percentage Rate
APY = Annual Percentage Yield
All rates, terms and conditions are subject to change

Online Central Login


eStatement Login


Quick Links


At Your Service

  • Phone
    • (209) 444-5300
    • (800) 675-5114
  • Email
    info@centralstatecu.org
  • CALL-24
    • (209) 943-6803
    • (800) 675-5114
  • Loan Central
  • Mailing Address
    (All Branch Offices)
    PO Box 1329
    Stockton CA 95201
  • El Dorado Branch
    PO BOX 8220
    Stockton CA 95208

Join CSCU

About Us

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.

CSCU serves over 18,000 members and has over $240 million in assets. We invite you to review our most recent annual report. To learn more about how credit unions were created and how they benefit consumers, take a few minutes to read the history of the credit union movement.

Central State is proud to provide a full complement of quality financial products. As a member, you have access to the finest savings and investment products and the best in consumer and real estate loans. You'll also receive competitive savings yields and affordable loan rates. We also offer many conveniences and online services.

As an employer, you can offer CSCU as an employee benefit at no cost to you. To request more information or to sign your company up to receive these valuable financial benefits, e-mail us or call (209) 444-5300 and ask for the Business Development Officer.
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 serving all of San Joaquin, Stanislaus, Tuolumne, Amador or Calaveras Counties and hundreds of employees of our Select Employer Groups. CSCU serves over 18,000 members and has over $240 million in assets. We invite you to review our most recent annual report.
Information Center
(209) 444-5300
(800) 675-5114

info@centralstatecu.org

Web site/Online Services
www.centralstatecu.org

Nationwide
(800) 675-5114

CALL-24
24 hours a day, 7 days a week
(209) 943-6803
(800) 217-4939

Loan Central (60-Second Loans)
www.centralstatecu.org

Lost or Stolen Mastercard Credit Cards
After Hours – (833) 933-1681 Toll Free
During business hours – (209) 444-5300 or
(800) 675-5114
Outside the United States – (812) 647-9794

Lost or Stolen Mastercard Debit Cards/ ATM Cards
After Hours – (833) 933-1681 Toll Free
During business hours – (209) 444-5300 or
(800) 675-5114
Outside the United States – (812) 647-9794

Activation Number for ATM/Mastercard Debit
and Mastercard Credit Cards
(NEW CARDS ONLY)

(877) 204-9972

Mailing Address for ALL Branch Offices
PO Box 1329
Stockton CA 95201

El Dorado Branch
PO BOX 8220
Stockton CA 95208

Stockton Center Street Branch
24-hour walk-up ATM
24-hour drive-up ATM

919 North Center Street
Stockton CA 95202
Fax: (209) 444-5372

Monday-Friday 9:00 am-5:00 pm


Stockton El Dorado Branch
24-hour walk-up ATM
24-hour drive-up ATM

5242 N. El Dorado Street
Stockton CA 95207
Fax: (209) 444-4800

Tuesday-Friday 9:00 am-5:00 pm
Saturday 9:00 am-3:00 pm


Lodi Branch
24-hour walk-up ATM

Westgate Plaza Shopping Center
363 S. Lower Sacramento Rd., Ste C
Lodi CA 95242
Fax: (209) 370-3400

Monday-Friday 9:00 am-5:00 pm


San Andreas Branch
24-hour walk-up ATM

462 West St. Charles Street
San Andreas CA 95249
Fax: (209) 751-2203

Monday-Friday 9:00 am-5:00 pm


Call Center
Monday-Friday 9:00 am-5:00 pm


ATM Only Locations
University of the Pacific
24-hour walk-up ATM

DeRosa University Center
3601 Pacific Avenue
Stockton CA 95204

CalTrans Building
1976 Martin Luther King Jr. Way
Stockton CA 95205

Monday-Friday 6 am-6 pm
*Closed on State holidays

CO-OP® ATMs

MoneyPass

We are currently looking to hire in the following positions:

The following positions are located at our Stockton Headquarters

Vice President/Chief Financial Officer

Direct and manage all practices and activities in the Finance and Accounting functions to ensure compliance with State and Federal rules and regulations. Manage auditing, accounting, and recordkeeping activities of the credit union to ensure they meet generally accepted accounting practices (GAAP). Prepare annual budget, income forecasts, statistical guidelines, and Asset Liability Management (ALM) reports. Recommend operational changes as needed.


View Job Listing



Vice President of Lending

The Vice President of Lending will plan, direct, coordinate, and oversee activities in consumer and real estate lending. Responsible for the credit union’s administrative management of internal and external loan functions and relationships. Develop and implement consistent organizational policies and procedures that comply with external regulations. Support and provide direction to the centralized lending department. Ensure maximum profitability of lending activities that are in the best interest of the member while maintaining the focus to protect credit union assets.


View Job Listing



Part-time Teller

CSCU is seeking part-time tellers for our San Andreas and Stockton branches. Ideal candidates will have customer service and cash handling experience and positive attitude.



Please email, fax resume or send to:
Central State Credit Union
Attention: H.R.
P.O. Box 1329
Stockton, CA 95201

Email: info@hrdoneright.com
Fax (209) 444-5373
In 2022, Central State Credit Union offices will be closed in observance of the following holidays:
  • New Year's Day (Observed) – Saturday, January 1
  • Martin Luther King, Jr. (Observed) – Saturday, January 15; Monday, January 17
  • President's Day – Saturday, February 19; Monday, February 21
  • Memorial Day – Saturday, May 28; Monday, May 30
  • Juneteenth – Sunday, June 19; Monday, June 20
  • Independence Day – Monday, July 4
  • Labor Day – Saturday, September 3; Monday, September 5
  • Columbus Day – Saturday, October 8; Monday, October 10
  • Veteran's Day – Friday, November 11
  • Thanksgiving Day – Thursday, November 24—Friday, November 25
  • Christmas Day – Saturday, December 24 (Close at 1:00pm) – Monday, December 26


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