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Central State Credit Union

Rate Central

Mastercard
7.99% APR
New Auto Loans
2.49% APR
Used Auto Loans
3.04% APR
Savings Rate
0.025% APY
Share Plus Account
0.025% APY
APR = Annual Percentage Rate
APY = Annual Percentage Yield
All rates, terms and conditions are subject to change

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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

Rates

Effective Date: 05/23/2022
Account Name Rate Type Minimum Balance Min Average Daily Balance to Earn Dividends Dividend Rate Annual Percentage Yield
Regular Share Accounts*  Variable $5 $500    
$500 - $49,999       0.025% 0.025%
$50,000 - $99,000 0.035% 0.035% 
$100,000 & Above 0.035% 0.035%
     
Christmas Club Accounts Variable $5 $100 0.050% 0.050%
Planet M & Boom Accounts Variable $5 $1 0.050% 0.050%
           
Share Plus Accounts Variable $2,500 $2,500    
$2,500 - $9,999       0.025% 0.025%
$10,000 - $24,999 0.025% 0.025%
$25,000 - $99,999 0.035% 0.035%
$100,000 & Above 0.035% 0.035%
     
IRA Share Accounts Variable $5 $500    
$500 - $49,999       0.035% 0.035%
$50,000 - $99,000 0.035% 0.035% 
$100,000 & Above 0.035% 0.035%
     
Absolutely Free Checking Accounts N/A $50 N/A N/A N/A
Boom Checking Accounts N/A $5 N/A N/A N/A
50+ Dividend Checking Variable $50 $0 0.035% 0.035%
Direct Dividend Checking Variable $50 $0 0.035% 0.035%
Business Dividend Checking** Variable $50 $1,000 0.025% 0.025%
Premium Checking Accounts** Variable $50 $1,000    
$0 - $999       0.025% 0.025%
$1,000  & Above 0.035% 0.035%
     
     

Fees may reduce earnings. Click to view Fee Schedule. For complete terms and conditions for all account types, please refer to our Truth in Savings Disclosure.

* A minimum average daily balance of $500 is required in the account each day to obtain the annual percentage yield.

**A minimum average daily balance of $1,000 is required in the account each day to obtain the annual percentage yield.

Effective Date:05/23/2022

Certificate Rates Regular $1,000 to $9,999
Share & IRA Certificates Type Minimum   Rate APY
12 - 23 Month Certificate Fixed $1,000   0.125% 0.125%
24 - 35 Month Certificate Fixed $1,000   0.175% 0.175%
36 - 47 Month Certificate Fixed $1,000   0.300% 0.300%
48 - 59 Month Certificate Fixed $1,000   0.399% 0.400%
60 Month Certificate Fixed $1,000   0.499% 0.500%
           
           
Certificate Rates Premium $10,000 to $24,999
Share & IRA Certificates Type Minimum   Rate APY
180 - 364 Day Certificate Fixed $10,000   N/A N/A
12 - 23 Month Certificate Fixed $10,000   0.125% 0.125%
24 - 35 Month Certificate Fixed $10,000   0.175% 0.175%
36 - 47 Month Certificate Fixed $10,000   0.300% 0.300%
48 - 59 Month Certificate Fixed $10,000   0.399% 0.400%
60 Month Certificate Fixed $10,000   0.499% 0.500%
           
           
Certificate Rates Premium Plus $25,000 to $49,999
Share & IRA Certificates Type Minimum   Rate APY
180 - 364 Day Certificate Fixed $25,000   N/A N/A
12 - 23 Month Certificate Fixed $25,000   0.125% 0.125%
24 - 35 Month Certificate Fixed $25,000   0.175% 0.175%
36 - 47 Month Certificate Fixed $25,000   0.300% 0.300%
48 - 59 Month Certificate Fixed $25,000   0.399% 0.400%
60 Month Certificate Fixed $25,000   0.499% 0.500%
           
           
Certificate Rates Jumbo $50,000 to $99,999
Share & IRA Certificates Type Minimum   Rate APY
180 - 364 Day Certificate Fixed $50,000   N/A N/A
12 - 23 Month Certificate Fixed $50,000   0.125% 0.125%
24 - 35 Month Certificate Fixed $50,000  

0.175%

0.175%
36 - 47 Month Certificate Fixed $50,000   0.300% 0.300%
48 - 59 Month Certificate Fixed $50,000   0.399% 0.400%
60 Month Certificate Fixed $50,000   0.499% 0.500%
 
Certificate Rates Jumbo Plus $100,000+
Share & IRA Certificates Type Minimum   Rate APY
180 - 364 Day Certificate Fixed $100,000   N/A N/A
12 - 23 Month Certificate Fixed $100,000   0.125% 0.125%
24 - 35 Month Certificate Fixed $100,000   0.175% 0.175%
36 - 47 Month Certificate Fixed $100,000   0.300% 0.300%
48 - 59 Month Certificate Fixed $100,000   0.399% 0.400%
60 Month Certificate Fixed $100,000   0.499% 0.500%
           
           
 
Youth Certificates Regular $500 to $999
Planet M & Boom 180-Day Certificate Fixed $500   0.150% 0.150%
 
Youth Certificates Premium $1,000 to $5,000
Planet M & Boom 180-Day Certificate Fixed $1,000   0.150% 0.150%


Rates are effective as of dividend date noted and are subject to change without notice. For the purposes of this disclosure, the dividend rate and Annual Percentage Yield (APY) stated for the Term Share Certificates were offered within the most recent seven calendar days and were accurate as of the dividend date noted. For current rates call (209) 444-5300 or (800) 675-5114.

 Early withdrawal penalty: We may impose a penalty if you withdraw principal from your account before the maturity date. Please refer to your Truth-in-Savings Disclosure for further details.

These offers are subject to change without notice. Your savings is federally insured up to at least $250,000 and is backed by the full faith and credit of the United States Government by the National Credit Union Administration (NCUA), a U.S. Government Agency.

 

Planet M & Boom 180-Day Certificate is for members up to age 18. Minimum opening balance of $500. Maximum deposit of $5,000.

Effective Date: 05/23/2022

New Vehicle Loan: Model Years 2022-2021

Annual
Percentage
Rate
  Annual
Percentage
Rate
Terms up to 84 months
MAX. LTV% ++ (within guidelines)
Maximum Total Advance 120% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs,  Negative Trade, Plus Back End Advances, Plus GAP. *Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).
2.49%* to 8.99%*
Used Auto Loan: Model Years 2020-2014

Terms up to 84 months.
MAX. LTV% ++ (within guidelines)
Maximum Total Advance 120% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs,  Negative Trade, Plus Back End Advances, Plus GAP. *Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).

3.04%* to 8.54%*
Older Vehicles: Model Years 2013-2010

Terms up to 66 months.

MAX. LTV% ++ (within guidelines)
Maximum Total Advance 120% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs,  Negative Trade, Plus Back End Advances, Plus GAP. *Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).

5.24% to

10.24%

Older Vehicles: Model Years 2009-2007

Terms up to 66 months.

Maximum Total Advance 100% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs,  Back End Advances, and GAP. *Rates vary with amount financed, term and your credit history.

5.24% to

10.24%

"First Time Buyers" Program - New or Used Auto

Maximum Term 60 Months Financing up to 90%* of MSRP or Retail KBB includes tax, license & Back End Advances. FTB Interest Rate 10.99% With Credit History-Maximum Loan Amount $20,000; 15% Cash Down of "Total Cash Price."
FTB Interest Rate 11.99% No Credit History- Maximum Loan Amount $16,000; 20% Cash Down of "Total Cash Price."

New Boats & Recreational Vehicles
Terms up to 180 months - Maximum loan amount $200,000
Financing up to 90% of purchase price, plus tax & license
5.29%* to 8.29%*
*Rates vary with amount financed, term and your credit history. Limited to boats larger than 12 feet and smaller than 30 feet. Purchase order must state "New" to be eligible for stated rate.
Used Boats & Recreational Vehicles
Terms up to 180 months
Financing up to 90% of purchase price, plus tax & license, or 100% of wholesale price as indicated in the NADA Book, whichever is less.
6.29%* to 9.29%*
Private party sales may require outside appraisal. *Rates vary with amount financed, term and your credit history. Limited to boats larger than 12 feet and smaller than 30 feet. Maximum loan amount of $150,000.
New Motorcycle, Jet Ski & All Terrain Vehicles

Terms up to 72 months
Financing up to 90% of purchase price, plus tax & license.

6.29% to 9.39%*
Must provide full insurance coverage. *Rates vary with amount financed, term and your credit history.
Signature Loan
Loan amounts up to $15,000
Terms up to 60 months
9.99%* to 17.99%*
*Rates vary with amount financed, term, and your credit history.
Starter Loan - to Build or Establish Credit History
$500 to $1,500
(maximum $2,500 with Co-Applicant)
Terms up to 24 months. Must have time on job and demonstrate ability to repay. 17.99%    
Line of Credit
Credit limits from $300 to $15,000 10.99%* to 17.99%*
*Rates vary with amount financed, term and your credit history.
Mastercard Credit Cards
Mastercard - Limits from $300.00 to $15,000 7.99%* to 17.99%*
       
No annual fee
25 day grace period on purchases
*Rates vary with amount financed, term and your credit history.
Mastercard - Secured 15.99%    

No credit history or to repair bad credit. Credit line $250 - $1,500

Secured Mastercard requires 150% of the amount of line of credit to be pledged and maintained on deposit.

First Time Borrower (FTB) = Less than 3 yr credit history, VOE & POI from current  employer

$500 Max. limit at Tier 5 Rate

First Time Borrower (FTB) = with no credit history, VOE & POI from current employer

$300 Max. limit at Tier 5 Rate

Youth Loans      N/A

Secured Loans
Primary Share     4.00%
Share Plus     4.50%

Certificate
4.00% over Certificate rate
Payment based on $20 per $1,000. Minimum loan amount $500.00  Maximum loan amount $50,000.00


All rates and terms are subject to change without notice. For current rates, call (800) 675-5114 or (209) 444-5300.

Annual Percentage Rate is subject to change without notice. This is not intended as a full disclosure; it is for general information only. Your actual rate may vary. All rates and terms are subject to change and are based on approved credit (OAC).


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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