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



Auto Loans
Whether you choose to buy a new or used vehicle, CSCU has the right loan for you:
  • Financing up to 125% of MSRP, plus tax, license, GAP and warranty on new vehicles
  • Financing up to 120% of Kelley Blue Book, plus tax, license, warranty and GAP on used vehicles
  • Terms up to 96 months on new and used vehicles
  • See our rates
  • Apply now and receive a decision in about one minute!

Purchasing a used vehicle from a private party? Click here

Ready to be Pre-Approved to purchase a new or used vehicle from a dealership? Click here

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.
Put more fun in your free time! CSCU offers affordable rates and extended terms up to 15 years on boats, RVs and other fun-mobiles!
  • Low rates and terms up to 180 months on boats and RVs
  • Terms up to 72 months on all other types of recreational vehicles
  • 80% financing, including tax and license
  • See our rates
  • Apply now and receive a decision in about one minute!

Credit Union Direct Lending (CUDL)
CUDL dealers will give you great pricing on your next vehicle and you can apply for your CSCU auto loan right at the dealership. You'll receive the same low rates and all the benefits of a CSCU auto loan—because that's exactly what you're getting. CUDL makes it more convenient, because you can apply for your CSCU auto loan at the dealership any time—even on Sunday.

Find a participating CUDL dealer near you.

AutoSmart
AutoSmart makes auto buying easy with an all inclusive Web site, which gives you access to everything you need to make your auto purchase complete!

Purchasing a used vehicle from a private party? Click here

Ready to be Pre-Approved to purchase a new or used vehicle from a dealership? Click here

Central State Credit Union offers the CUDL, AutoSmart and Kelley Blue Book services as a member convenience. Central State does not endorse or warranty any of these entities. Members use this service on a voluntary basis. All loans subject to credit approval.
Guaranteed Auto Protection (GAP)
GAP from CSCU covers the possible gap between the amount your car is worth and the amount you still owe, in the event your car is totaled or stolen and unrecovered. GAP also pays your insurance company's deductible up to your policy maximum. It's a great way to ensure you won't be stuck paying for a vehicle you no longer have. Plus, it's a lot of protection for a small cost. Consult with a Loan Representative to discuss GAP in more detail by calling (209) 444-5300 or (800) 675-5114.

MEMBERS® Auto & Homeowners Insurance Program
You trust Central State Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto & Homeowners Insurance Program.

  • The MEMBERS Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members.
  • Access convenient e-service, pay your bill or make changes to your policy, even report a claim.
  • Receive fast, easy access to claims service 24 hours a day.
  • Obtain a free, no-obligation quote.

Click here to start saving!

The MEMBERS Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

Do You Have Holes in Your Safety Net?
Are you among the millions of Americans who live paycheck to paycheck—saving little from each paycheck to secure a financial safety net?

Introducing Members Choice Borrower Security
Central State Credit Union wants to offer you a safety net to help protect your assets. Members Choice protects your loan payments. It is a safety net that cancels or reduces debt obligations when a protected life event like disability, death or involuntary unemployment make paying off your loan a challenge. Members Choice fees are based on a group rate and you buy only enough protection to cover your loan balance. And tying protection directly to your loan means you'll have exactly the right amount of protection—no more, no less.

Think about your future today. Choose to protect your loan payments with Members Choice Borrower Security. Call (209) 444-5300 or (800) 675-5114 and ask about Debt Protection on your loans.

Debt Protection is a product offered by Central State Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact (209) 444-5300 or (800) 675-5114 for additional information on benefit maximums, eligibility and limitations.

DPGAP-0909-2D60
Driving away in your first car is such a thrill...and something you will always remember. At CSCU we want you to drive away with a good deal, while establishing a credit history. CSCU's First-Time Auto Buyer Loans do just that. Here's what you need to qualify:

"First Time" Auto Buyer Program – New or Used Auto (with Credit History)
  • A minimum of one year at your current job – minimum income of $1,500 per month
  • Credit History – A minimum of two open trades required – (one trade for a minimum of 12 months). NO derogatory (bad) credit history
  • A cash down payment of at least 10% of the sales price
  • Proof of Income

First-Time Auto Buyer Loan (with Credit History) features include:
  • Rates as low as 10.99% APR*, maximum loan amount without a co-borrower $16,000.00, with a qualified co-borrower, maximum loan amount $20,000.00
  • Loan term up to 60 months

"First-Time" Auto Buyer Program – New or Used Auto (with no Credit History)
  • A minimum of one year at your current job – minimum income of $1,500 per month
  • Credit History – NO derogatory (bad) credit history
  • A cash down payment of at least 20% of the sales price
  • Proof of Income

First-Time Auto Buyer Loan (with NO Credit History) features include:
  • Rates as low as 12.99% APR*, maximum loan amount $13,000.00
  • Loan Terms up to 60 months

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.

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