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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



Home Loan Central
Whether you are buying a new home or refinancing your current home, our knowledgeable home loan professionals have a loan to fit your needs. Choose from a variety of home loans with competitive rates and low closing costs. We offer:
  • FHA loans
  • Low down payment options
  • Jumbo loans for larger purchases
  • Loan preapprovals and more!

View current rates and get preapproved in minutes. Or call (877) 223-9908 to speak to one of our Mortgage Consultants.

Are you a first-time homebuyer? Here's some valuable information just for you.



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.



Home Equity or 1st Mortgage Payment Problems?
Central State Credit Union understands that our members may occasionally suffer financial hardships. If your financial situation has made it difficult to maintain timely payments on your home equity or first mortgage loan with CSCU, we want to help you.

It is important to consider all of your options before risking the possible loss of your home to foreclosure. There are numerous solutions available and one of them may be right for you.

You may be eligible for:
  • Payment Deferment
  • Loan Modification
  • Pre-Foreclosure Sale ("Short Sale")
  • Reduction of Interest Rate

We can help you get started with your financial review.

In order to determine the best possible way to assist you, we must review your financial situation. We will need the following to do so:
  • Your last pay stub or unemployment check stub.
  • Your last three account statements from your checking, savings, 401k and any other accounts you maintain.
  • The name and phone number of your listing agent (if applicable).
  • Signed copies of your last 2 years tax returns, including all schedules.
  • Copies or a list of all regular monthly bills.
  • An estimate of other regular expenses.
  • A list of items owned free and clear: examples include vehicles 10 years or newer.
  • A letter explaining the details of your current situation and hardship.

Once you've gathered the above information, please call us at (800) 675-5114 and ask to speak to a Mortgage/Home Equity Financial Assistance Representative.

The Department of Housing and Urban Development offers counseling for homeowners whose mortgage loans have become delinquent. This counseling could help you avoid foreclosure and you are urged to seek it. The Department of Housing and Urban Development can be reached at (800) 569-4287 or TTY (800) 877-8339.

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