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


Fees and Disclosures
This Rate Schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your Account Agreement with Central State Credit Union and is subject to change at anytime.

Please call (209) 444-5300 or (800) 675-5114 to obtain current information.
Effective Date: 8/5/18

General Service Fees
Check Cashing Fee - (CSCU onus or CU Corporate Check $100 or more) Waived for CSCU Members $10.00
Collection Item - Domestic $30.00
Collection Item - International $35.00
Copy of Corporate Check $10.00
Copy of Deposited Item $10.00
Copy of Prior Period Statement or Account History $6.00
Corporate Check Issued to 3rd party under $1,000 $10.00
Deposit/ Loan Payment/ Cashed item returned $15.00
Dormant Account Fee (12 months inactive) $5.00 per month
Early Account Closure - within 1st 90 days $15.00
Escheat Notice - per Year $2.00
IRA Annual Maintenance $10.00
Letters - (Take vehicle out of country or special requests) $25.00
Levy, Garnishment or Subpoena $55.00
Loan Payment by Phone (from another institution) $5.00
Loan Payment by Phone (from another institution) returned for Non-Sufficient Funds $30.00
Missing Address - per Year $10.00
New Member Fee $0.00
Notary Fee - Member CSCU Documents FREE
Notary fee - Non CSCU Documents per signature $15.00
NSF Fee - Pre-authorized Savings debit $30.00 per item
Photocopy Fee $1.00 per copy
Reconciliation/Research Fee $20.00 per hour
Savings Balance Less than $300 - Waived for members less than 21 years old, new members (less than 6 months with credit union) or members with an active checking account, loan, certificate, IRA or share plus $6.00 per quarter
Share Plus - More than 3 withdrawals per Month $1.00 per withdrawal
Share Plus - Average Daily Balance falls below minimum $5.00 per month
Stop Payment Corporate Check (Purchase of Indemnity Bond may be required) $25.00
Teller Assisted Phone Transactions and Inquiries FREE
Verification of Deposit $25.00 per request
VISA Gift Card $5.00 per card
Wire Transfer - Domestic $35.00
Wire Transfer - International $45.00

On-Line and Mobile Banking Fees
Copy of Bill Payment Check $15.00 per copy
Mobile Person to Person Payment $1.00
On-Line Banking Service FREE
On-Line Bill Payment Service FREE
Stop Payment Bill Payment Check $30.00

Checking Account Fees
Business Dividend Checking Account - Balance falls below minimum $5.00 per month
Check Copies - 2 Checks per Month FREE
After 2 per Month $3.00 per check
Check Orders/Other Checking Supplies Supplier's price plus tax/handling fee
Counter/Temp Checks (4 cks) (4 FREE with New Account) $5.00
Fresh Start Checking Account $15.00 per month
Inactive Checking Account - balance less than $100 and no activity for 90 days $10.00 per month
Monthly Paper Statement FREE
NSF Fee, Check or Pre-authorized Debit $30.00 per item
Overdraft Transfer from Shares $3.00 per transaction
Overdraft Transfer from Mastercard/LOC $3.00 per transaction
Paid NSF Fee, Check or Pre-authorized Debit $30.00 per item
Premium Dividend Checking Account - Balance falls below minimum $5.00 per month
Replacement Check $25.00
Reverse Stop Payment Request $10.00
Stop Payment on Check or Automatic Debit $10.00
Sustained Overdraft Fee $5.00 per day after 10th business day

ATM/Debit Card Fees
All Other ATM Withdrawals * - First Three per Month FREE
After Three per Month $1.50 Each
ATM/Debit Card - New Issue FREE
ATM/Debit Card Replacement $5.00
ATM Deposit Correction/Adjustment $10.00
ATM Empty Deposit Envelope $30.00
CSCU ATM Withdrawals FREE
Deposits to Co-op/Money Pass Network FREE
Mastercard Cross Border Fee 0.9% of purchase
Mastercard Currency Conversion Fee 0.2% of purchase
VISA Foreign Debit Transactions in US Currency 0.8% of purchase
VISA Foreign Transactions in Foreign Currency 1.0% of purchase
NSF Withdrawal $30.00
Point of Sale (POS) Transactions* FREE

* Additional fees may be charged by ATM owner or POS network

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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