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  • Phone
    (209) 444-5300 • (800) 675-5114
  • Email
    info@centralstatecu.org
  • CALL-24
    (209) 943-6803 • (800) 217-4939
  • Loans-by-Phone
    (800) 811-7424
  • Loan Central
  • Mailing Address (All Branch Offices)
    PO Box 1329, Stockton CA 95201



Checking Central
At CSCU, we know your checking account is central to your day-to-day finances. That's why we pack our checking accounts with loads of FREE standard benefits to make your life easier. Choose from Premium Dividend Checking, 50+ Dividend Checking, Direct Dividend Checking and Absolutely Free Checking! One is sure to match your checking style!

Raise Your Standards with a CSCU Checking Account

CSCU has raised the bar with Absolutely Free Checking Account convenience. ALL CSCU checking accounts come with these not-so-standard features:

Not-So-Standard Features on ALL CSCU Checking Accounts

Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. Subject to Credit Union terms and conditions. Minimum opening deposit is only $50. Ask us for details.
*We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of checking account opening.
**Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.
^Your wireless carrier may charge your mobile phone account for Web access.
A FREE account for everyone!
  • No minimum balance
  • No monthly service charge
  • No per check charge
  • PLUS, all the great not-so-standard checking features included with all CSCU Checking accounts.

JOIN CSCU!
An account for those interested in higher dividends, our Premium Dividend Checking Account is for you.
  • FREE personalized checks
  • Higher dividends with a balance of $1,000 or more
  • Competitive dividends if balance falls below $1,000
  • Only $5 monthly charge if balance falls below $1,000.
  • PLUS, all the great not-so-standard checking features included with all CSCU Checking accounts.

JOIN CSCU!
A perfect account for members 50 and over!
  • FREE personalized checks
  • Competitive dividends
  • No minimum balance
  • No monthly service charge
  • PLUS, all the great not-so-standard checking features included with all CSCU Checking accounts.

JOIN CSCU!
Earn dividends with the convenience of direct deposit or any automatic payment!
  • Competitive dividends
  • No minimum balance
  • No monthly service charge
  • PLUS, all the great not-so-standard checking features included with all CSCU Checking accounts.

JOIN CSCU!
Avoid the embarrassment and cost of bouncing checks by setting up Overdraft Protection. This service ensures that a check, pre-authorized debit or Visa Debit Card transaction will be honored by transferring money from your CSCU savings account or taking an advance on your line of credit or Central State Visa card.

When an overdraft transfer occurs, the overdraft information will be included on your monthly statement.

It's easy to set up. Call us at (209) 444-5300, email us info@centralstatecu.org or stop by any CSCU location to get started!
With Boom! teens ages 13 - 18 can learn financial responsibility with their first checking account, credit and debit card.
  • NO monthly service charge
  • NO minimum balance required
  • PLUS, all the great not-so-standard checking features included with all CSCU Checking accounts.

JOIN CSCU!

Note: An adult co-applicant is required for applicants younger than 18 years of age.

NCUA - 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