Home















  • 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



Money Central for Kids and Teens
Ages Birth to 12
Children are aware of money at an early age, long before they go to school. The first step to teaching kids about a lifetime of money management is opening a Planet M Account at CSCU. We make saving money fun, while reinforcing the power of savings. For kids ages 10 and older, we also offer Youth Project Loans.

Ages 13-18
Designed just for teens, a Boom! Account is a great way for you to learn to manage your finances before you go off to college or move out on your own. With Boom! you get real world experience with your first checking account, credit and debit card. We also offer Youth Project Loans.
Develop good saving and spending habits early with a Planet M account for kids from birth through age 12.

Planet M Account Features:
  • Minimum opening deposit of $5
  • Earn dividends on balances of $1 or more
  • Youth Certificates available

Develop good saving and spending habits early in your life with Boom! for teens ages 13 to 18. With Boom! you can get real world experience with your first checking account, credit and debit card.

Boom! Account Features:
  • Minimum opening deposit of $5
  • Earn dividends on balances of $1 or more
  • Youth Certificates available

CSCU offers a unique loan for students who are 10 to 17 years old and who participate in organizations such as 4-H, FFA, Junior Achievement or other programs that promote youth entrepreneurship and hands-on learning. The Youth Project Loan is a way for you to pay for your potentially money-making project. Here's how it works:
  • Borrow up to $500 at 6.00% APR* for your project that is part of a supervised program
  • You decide if you want to borrow the money for 3, 6, 9 or 12 months
  • You need to show you have a source of income from a part-time job, babysitting, an allowance, or the sale of the animal or project upon completion.
  • Your parent or legal guardian must be a member of CSCU and co-signer on your loan, and he or she must come with you to apply.
  • You need to complete an application and create a business plan showing how much your project will cost and how you plan on making money from it. For example, your business plan must include the cost of the project or animal and the materials necessary to build your project or feed and care of the animal for the length of the loan. The plan must also include how you intend to repay the loan and whether you will sell the animal at auction or sell the project once it's complete.

It's Time to Get Started and Apply for Your Loan Today!
Grab your parent or legal guardian and your completed business plan and bring them all to any CSCU location today.

*Annual Percentage Rate. Loans are subject to credit approval. Stated rate is for a maximum term of 12 months and a 720 FICO score or higher of the parent or legal guardian. Applicants under age 18 need a parent or legal guardian as co-signer.

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