Central State Credit Union

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At Your Service

  • Phone
    • (209) 444-5300
    • (800) 675-5114
  • Email
  • 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


Federal Employees Pay Disruption Assistance Program

Central State Credit Union is here for our Federal Employees.
"People Helping People"

To be eligible for assistance, members must meet the following criteria:
  • Be an existing Central State member in good standing; and
  • Be able to provide written documentation from your federal employer of their classification (Furlough, Excepted Employee, or Active Duty service members of the Coast Guard);
  • If applying for a Loan, Loan Extension or Skip A Payment (Consumer Loans, excluding Real Estate, Credit Cards, LOC's), be able to provide a recent paystub.

Low Rate or No Rate Personal Signature Loans Short Term:

Low Rate -

We are offering a Low Rate Loan at 2% APR up to $5,000.00 up to 3 years, subject to credit approval. Rates and terms are subject to credit worthiness, loan payment deferral up to two months. Direct Deposit or Automatic Payment is required.

No Rate -

We are offering a 0% APR rate up to $3,000.00, up to 12 months, subject to credit approval and credit worthiness, loan payment deferral up to two months. Direct Deposit or Automatic Payment is required.

To apply, we invite you to come visit us at your local branch, or apply online. You may also call us at 209-444-5300 or 1-800-675-5114.

Existing Members Loan Payment Options:

For those who have an existing Central State Loan (excluding Real Estate, Credit Cards, LOC's), you may be eligible for an extension up to two months, or a Skip A Payment for one month (fee waived).

For additional details, please call 209-444-5300 or 1-800-675-5114.

Certificates - Waiving Penalty for Premature Withdrawal

For eligible members who wish to withdraw funds from an existing certificate or IRA certificate prior to the maturity date, Central State will waive the premature penalty until the pay disruption is concluded. Please visit your local branch or give us a call at 209-444-5300 or 1-800-675-5114 for more details or to request a withdrawal.

*All loans subject to approval

Network Solutions - Secured SiteEqual Housing LenderNCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency
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