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  • Phone
    (209) 444-5300 • (800) 675-5114
  • Email
    info@centralstatecu.org
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    (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



Paying for College the Smart Way
Central State Credit Union is proud to announce a new student loan opportunity. This loan is available to our members attending college, members with children attending college, as well as members' family members.

As college tuition costs continue to rise, more students are in need of private student loans to help fund the gap between financial aid and college expenses. With the Smart Option Student Loan® from Sallie Mae® in partnership with Central State Credit Union, you can choose from three in-school repayment options to help you pay off your loan faster and save money compared to the conventional private loan. By offering interest rates among the lowest in the country, the Smart Option Student Loan enables you to choose to make payments while in school and graduate with less loan debt or defer your payments and enjoy more flexibility while in school.
  • Interest Repayment Option - Take advantage of a shorter loan term and maximum savings on your total loan cost.
  • Fixed Repayment Option- Pay a small fixed monthly payment while in school to take advantage of a shorter repayment term and save on your total loan cost
  • Deferred Repayment Option- Defer payments until after school, or pay as much as you want while in school, to enjoy maximum flexibility while still paying off faster than the conventional private education loan

Features and benefits of the Smart Option Student Loan® include:
  • Interest rates among the lowest in the nation
  • Borrow up to 100% of school-certified education costs (minimum $1,000)
  • Rewards for on-time payments and automatic payment plans
  • Applying with a creditworthy cosigner may help applicants qualify and receive a lower rate
  • Fast online application
  • No prepayment penalty
  • No application or disbursement fees

Seeking higher education is an exciting and valuable experience, and we want to help make it happen. Together we can do this. Find resources for navigating the college application process, learn more about the Smart Option Student Loan, and apply at www.salliemae.com/smartoption/centralstatecu.

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