We're Hiring Join Us Facebook Twitter

Central State Credit Union

Rate Central

7.99% APR
New Auto Loans
2.49% APR
Used Auto Loans
3.04% APR
Line of Credit
10.99% APR
Signature Loan
9.99% APR
APR = Annual Percentage Rate
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


CSCU Cards
Traveling abroad? To help prevent fraud, if you are planning to travel abroad, please call CSCU at (209) 444-5300 or (800) 675-5114 and ask for our Credit Card Specialist to authenticate your card for use in other countries or to learn about alternate forms of payment.

Mastercard Application and Solicitation Disclosure

Choosing the right credit card is easy when you look at the choices you have at CSCU. All CSCU Mastercard Credit Cards feature these must-have benefits:
  • Low rates
  • NO annual fees
  • NO hidden fees or penalty payment increases
  • Zero liability for unauthorized use
  • Cash advances at thousands of ATMs worldwide
  • An overdraft protection option tied to your CSCU Checking Account
  • 24/7 account access via Online Central and Call-24

Choose the card that's right for you!
  • Mastercard – With credit lines up to $15,000
  • Secured Mastercard – Secured Mastercard requires 150% of the amount of the line of credit to be pledged and maintained on deposit.

First Time Borrower (FTB) = Less than 3 year credit history and a minimum of 1 year continuous employment $500.00 Maximum limit at Tier 5 Rate.
First Time Borrower (FTB) — with no credit history and a minimum 1 year continuous employment $300.00 Maximum limit at Tier 5 Rate.

Apply now!
One of the many benefits of a CSCU Checking Account is a Mastercard Debit Card.
  • Pay like a credit card with funds drawn from your CSCU Checking Account.
  • Use it as an ATM card and make surcharge-FREE withdrawals at over 28,000 CO-OP® ATMs nationwide, thousands of MoneyPass ATMs and CSCU ATMs.
  • Make up to 3 FREE ATM withdrawals at any non-CSCU ATM network per month.
  • No CSCU point-of-sale transaction fees at gas stations, grocery stores, restaurants or other merchants that accept Mastercard or ATM cards.
  • NO finance charges or annual fees!

Lost or Stolen Mastercard Debit Cards/ATM Cards
After hours – (800) 528-2273
During business hours – (209) 444-5300 or (800) 675-5114
Outside the United States – (812) 647-9794

Lost or Stolen Mastercard Credit Cards
After Hours – (800) 528-2273
During business hours – (209) 444-5300 or (800) 675-5114
Outside the United States – (812) 647-9794
The CSCU ATM Card gives you worldwide ATM access, including surcharge-FREE transactions at all CSCU ATMs and 28,000 CO-OP® ATMS and thousands of MoneyPass ATMs nationwide. With a CSCU ATM Card, you will enjoy:
  • 3 FREE ATM transactions per month at non-CSCU network ATMs
  • Unlimited surcharge-FREE transactions at CSCU, CO-OP and MoneyPass ATMs
  • Worldwide ATM/POS access
  • No point-of-sale fees from CSCU

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
All content including look and feel copyright 2011 Central State Credit Union
If you are using a screen reader and are having problems using this website, please call (209) 444-5300 for assistance.