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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



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 (along with a $5 membership fee) 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 low minimum 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
  • Low minimum opening deposit of $5
  • Make up to 3 withdrawals per month
  • A low minimum daily balance of $2,500 must be maintained to earn dividends
  • 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
  • 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
  • Minimum opening deposit of $1,000 for IRA certificates
  • Distributions are not required
  • 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.

The eCollege Account offers an exclusive package of services that meets the needs of busy college students and provides ways to manage their money easily, electronically and economically!
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


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