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Central State Credit Union

Rate Central

Savings Rate
0.025% APY
Share Plus Account
0.025% APY
Planet M & Boom
0.050% APY
Christmas Club
0.050% APY
APY = Annual Percentage Yield
All rates, terms and conditions are subject to change

Online Central Login


eStatement Login


Quick Links


At Your Service

  • Phone
    • (209) 444-5300
    • (800) 675-5114
  • Email
    info@centralstatecu.org
  • CALL-24
    • (209) 943-6803
    • (800) 675-5114
  • Loan Central
  • Mailing Address
    (All Branch Offices)
    PO Box 1329
    Stockton CA 95201
  • El Dorado Branch
    PO BOX 8220
    Stockton CA 95208

Join CSCU

Safe and Secure Savings Options
Make the most of your money with safe and secure savings options at CSCU. Your deposits are insured up to $250,000 by the NCUA and backed by the full faith and credit of the United States government. Individual Retirement Accounts (IRAs) are insured separately up to an additional $250,000 by NCUA.

To learn more about the Share Insurance Fund or credit unions in general, visit MyCreditUnion.gov and use NCUA's Share Insurance Calculator, designed to help you estimate the insurance coverage on your credit union accounts.
A CSCU savings account establishes you as a member-owner of CSCU and gives you access to a lifetime of financial solutions. You can also use your savings account as overdraft protection or as collateral for a savings-secured loan.

Account Features
  • Low minimum opening deposit of $5
  • A minimum average daily balance of $500 must be maintained to earn dividends
  • Unlimited ATM transactions
  • Deposits available through payroll deduction or direct deposit
  • See our rates

CSCU's Share Plus Account offers highly competitive tiered rates, plus liquidity. The more you save, the higher your rate.

Account Features
  • Minimum opening deposit of $5
  • Make up to 3 withdrawals per month
  • A minimum average daily balance of $2,500 must be maintained to earn dividends and to avoid monthly service fee as stated in our fee schedule
  • Deposits available through payroll deduction or direct deposit
  • See our rates

Earn a guaranteed rate of return over a specified amount of time. At CSCU, you'll always receive the most competitive rates around. Balances of $10,000 or more earn even higher yields.

Account Features

Save for a secure retirement with Traditional or Roth IRAs. CSCU offers IRA savings and share certificate accounts, along with Coverdell Savings Accounts to save for your child's education.

Traditional IRA Features
  • $5 minimum opening deposit for IRA savings account
  • A minimum average daily balance of $500 must be maintained to earn dividends
  • Minimum opening deposit of $1,000 for IRA certificates
  • Contributions may be tax-deductible (check with your tax advisor)
  • Tax-deferred dividends are compounded monthly
  • See our rates

Roth IRA Features
  • $5 minimum opening deposit for IRA savings account
  • A minimum average daily balance of $500 must be maintained to earn dividends
  • Minimum opening deposit of $1,000 for IRA certificates
  • Distributions are not required
  • Dividends are compounded monthly
  • See our rates

Coverdell Savings Account Features
  • $5 minimum opening deposit for CSA Share account
  • A minimum average daily balance of $500 must be maintained to earn dividends
  • Minimum opening deposit of $1,000 for CSA certificates
  • Dividends are compounded monthly
  • See our rates

Instill good saving and spending habits in the kids and teens in your life with Planet M for members through age 12 and Boom! for teens ages 13 to 18. With Boom! teens can learn financial responsibility with their first checking account, credit and debit card.
Club Accounts help you save for the fun things in life—a dream vacation, holiday expenses, home furnishings or birthday gifts! Create your unique account and make your goals a reality.
  • Low minimum opening deposit of $5
  • A low minimum daily balance of $500 is required to earn dividends
  • NO minimum balance fee
  • Deposits available through Payroll Deduction or Direct Deposit
  • See our rates


Network Solutions - Secured SiteEqual Housing LenderNCUA - 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
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