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Apply for your loan online. It only takes about 3 minutes to apply and you will receive a decision in about a minute! You can apply for a personal loan, credit card or vehicle loan.

For all other loans, please call us at (209) 444-5300 or (800) 675-5114 or drop by any of our branches to speak with a Loan Representative.

Apply now!

Need Help Shopping for Your New Ride? Use AutoSmart!
AutoSmart makes auto buying easy. The AutoSmart Web site gives you access to everything you need to make your auto purchase complete!

Purchasing a used vehicle from a private party? Click here to apply for your loan.

For pre-approval to purchase a new or used vehicle from a dealership, click here.

To make a loan payment, click here

*All loans are subject to approval. Some restrictions may apply. Primary borrower must reside within San Joaquin, Calaveras, Amador, Stanislaus or Tuolumne counties.

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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.

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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:

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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 Please remember that when you leave our site, our Privacy Policy is no longer in effect.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.

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.