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Central State Credit Union

Rate Central

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
  • 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


Online Services
Make your financial life easier, safer and greener too with CSCU's Online Services! How GREEN are you? Click here and Take the LEAP to a GREENER life!
With Online Central Internet Banking you can enjoy convenient account access anytime, from anywhere. With this FREE service, you can:
  • Check account balances and histories
  • Transfer funds between accounts
  • Make loan payments
  • Pay bills online—recurring and one-time payments
  • Download account information directly to Quicken or MS Money
  • Access other eServices such as eStatements with the same user name and password
  • View images of checks you've written
  • Notify Me Alerts (eAlerts) - allows you to receive email notifications of important account related or security related activies
  • And More!

View Online Banking Demo

View Bill Pay Demo

Sign up today!
With FREE CSCU eStatements, you'll enjoy:
  • 24/7 access to your CSCU statements (history begins accumulating the month you sign up)
  • Less paper, filing and shredding
  • More security and reduced risk of identity theft (less chance your statement is stolen from your mailbox)
  • The knowledge that you are doing your part to use less paper and save trees

Enroll Now!

Sign into eStatements
Banking on the go with Central State Credit Union's FREE mobile banking!

Control your finances without missing a beat. It's as easy as a few taps on your smartphone to quickly stay on top of your money anywhere and anytime you need! It's FREE, ready to use and security has layers of safeguards dedicated to protecting you!

Mobile Banking is designed to make your life easier!
  • Check your account balance
  • Transfer funds between eligible accounts
  • Bill Pay
  • Locate an ATM when needed
  • View your account transaction history
  • Send Person2Person payments

Click here to get started or click on the links below to download your app!

Click here for our FAQs.

Message and data rates may apply from your wireless carrier. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.
Order your checks online and eliminate the hassle of coming to the branch or the nuisance of mailing check reorders. Plus, you will receive your checks faster when you order online!

This service is available for check reorders only. For your protection, if you are ordering checks for the first time, you will need to visit a CSCU branch.

Reorder checks now!
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.

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

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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