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Account Amount | Rate Type | Minimum Balance | Min Average Daily Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield |
---|---|---|---|---|---|
$500 - $49,999 | Variable | $5 | $500 | 0.025% | 0.025% |
$50,000 - $99,999 | 0.035% | 0.035% | |||
$100,000 & Above | 0.035% | 0.035% |
Account Amount | Rate Type | Minimum Balance | Min Average Daily Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield |
---|---|---|---|---|---|
$2,500 - $9,999 | Variable | $2,500 | $2,500 | 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% |
Account Name | Rate Type | Minimum Balance | Min Average Daily Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield |
---|---|---|---|---|---|
Christmas Club Accounts | Variable | $5 | $500 | 0.050% | 0.050% |
Account Amount | Rate Type | Minimum Balance | Min Average Daily Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield |
---|---|---|---|---|---|
$500 - $49,999 | Variable | $5 | $500 | 0.035% | 0.035% |
$50,000 - $99,999 | 0.035% | 0.035% | |||
$100,000 & Above | 0.035% | 0.035% |
Account Name | Rate Type | Minimum Balance | Min Average Daily Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield |
---|---|---|---|---|---|
Absolutely Free Checking Accounts | N/A | $50 | N/A | N/A | N/A |
Account Name | Rate Type | Minimum Balance | Min Average Daily Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield |
---|---|---|---|---|---|
50+ Dividend Checking | Variable | $50 | $0 | 0.035% | 0.035% |
Account Name | Rate Type | Minimum Balance | Min Average Daily Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield |
---|---|---|---|---|---|
Direct Dividend Checking | Variable | $50 | $0 | 0.035% | 0.035% |
Account Amount | Rate Type | Minimum Balance | Min Average Daily Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield |
---|---|---|---|---|---|
$0 - $999 | Variable | $50 | $1,000 | 0.025% | 0.025% |
$1,000 & Above | 0.035% | 0.035% |
Account Name | Rate Type | Minimum Balance | Min Average Daily Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield |
---|---|---|---|---|---|
Business Dividend Checking** | Variable | $50 | $1,000 | 0.025% | 0.025% |
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% |
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% |
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% |
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% |
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% |
Account Name | Rate Type | Minimum Balance | Min Average Daily Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield |
---|---|---|---|---|---|
Planet M & Boom Accounts | Variable | $5 | $1 | 0.050% | 0.050% |
Account Name | Rate Type | Minimum Balance | Min Average Daily Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield |
---|---|---|---|---|---|
Boom Checking Accounts | N/A | $5 | N/A | N/A | N/A |
Share & IRA Certificates | Type | Minimum | Rate | APY | |
---|---|---|---|---|---|
Planet M & Boom 180-Day Certificate | Fixed | $500 | 0.150% | 0.150% |
Share & IRA Certificates | Type | Minimum | Rate | APY | |
---|---|---|---|---|---|
Planet M & Boom 180-Day Certificate | Fixed | $1,000 | 0.150% | 0.150% |
Details | Annual Percentage Rate | Annual Percentage Rate | |
---|---|---|---|
Terms up to 84 months Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty. * Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). |
6.24%* | to | 12.84%* |
Details | Annual Percentage Rate | Annual Percentage Rate | |
---|---|---|---|
Terms 36-84 months. Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade, and Warranty. * Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). |
6.79%* | to | 13.39%* |
Details | Annual Percentage Rate | Annual Percentage Rate | |
---|---|---|---|
Terms up to 66 months. Maximum Total Advance up to 90% - Max LTV of MSRP of Retail KBB includes tax, license, Docs, Negative Trade and Warranty. * Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). |
9.74% | to | 17.99% |
Maximum Term 60 Months Financing up to 90%* of MSRP or Retail KBB includes tax, license & Docs.
FTB Interest Rate 14.19% With Credit History-Maximum Loan Amount $20,000; 15% Cash Down of "Total Cash Price."
FTB Interest Rate 15.49% No Credit History- Maximum Loan Amount $16,000; 20% Cash Down of "Total Cash Price."
Details | Annual Percentage Rate | Annual Percentage Rate | |
---|---|---|---|
Terms up to 180 months - Maximum loan amount $200,000 Financing up to 90% of purchase price, plus tax & license * 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. |
8.50%* | to | 11.50%* |
Details | Annual Percentage Rate | Annual Percentage Rate | |
---|---|---|---|
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. 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. |
9.50%* | to | 12.50%* |
Details | Annual Percentage Rate | Annual Percentage Rate | |
---|---|---|---|
Terms up to 72 months Financing up to 90% of purchase price, plus tax & license. New = Never titled & less than 1,000 miles Used = Previously titled or over 1,000 miles. Add 0.50% to rate Must provide full insurance coverage. * Rates vary with amount financed, term and your credit history. |
9.50%* | to | 12.60%* |
Details | Annual Percentage Rate | Annual Percentage Rate | |
---|---|---|---|
Mastercard - Limits from $300.00 to $15,000 No annual fee 25 day grace period on purchases * Rates vary with amount financed, term, and your credit history. |
7.99%* | to | 17.99%* |
Details | Annual Percentage Rate |
---|---|
No credit history. Credit line $250 - $500 Secured Mastercard requires 150% of the amount of line of credit to be pledged and maintained on deposit. First Time Borrower (FTB) = Minimum 3 yr credit history $500 Max. limit at Tier 5 Rate |
15.99% |
Details | Annual Percentage Rate | Annual Percentage Rate | |
---|---|---|---|
Loan amounts up to $15,000 Terms up to 60 months * Rates vary with amount financed, term, and your credit history. |
10.99%* | to | 17.99%* |
Details | Annual Percentage Rate |
---|---|
$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% |
Details | Annual Percentage Rate | Annual Percentage Rate | |
---|---|---|---|
Credit limits from $300 to $15,000 * Rates vary with amount financed, term, and your credit history. |
12.99%* | to | 17.99%* |
Type | Annual Percentage Rate |
---|---|
Primary Share | 5.00% |
Share Plus | 5.50% |
Certificate | 5.00% over Certificate rate |
Payment based on $20 per $1,000. Minimum loan amount $500.00 Maximum loan amount $50,000.00 |
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.
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.
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).
That's right, no minimum balance. We built this checking just for you!
Finally, a free checking that is actually free. Visit a branch today.
PLUS, all the great not-so-standard checking features
are included with all CSCU Checking Accounts.
Central State Credit Union was established in 1936, providing low-cost financial services to state employees in San Joaquin, Stanislaus, Tuolumne, Amador, Solano, Alpine, Merced and Mariposa counties. Today, we are a Community credit union. If you live, work or worship in San Joaquin, Stanislaus, Tuolumne, Amador or Calaveras Counties you can become a member of CSCU.
For assistance, Please Call:
You are about to leave Central State Credit Union’s web site. We have provided this link as a courtesy, but it is in no way an endorsement by Central State, and we are not responsible for its content. Please remember that when you leave our site, our Privacy Policy is no longer in effect. Once you visit another site, your web privacy and security is defined by that web site’s own policy.
You are about to leave Central State Credit Union’s web site. We have provided this link as a courtesy, but it is in no way an endorsement by Central State, and we are not responsible for its content. Please remember that when you leave our site, our Privacy Policy is no longer in effect. Once you visit another site, your web privacy and security is defined by that web site’s own policy.
You are about to leave Central State Credit Union’s web site. We have provided this link as a courtesy, but it is in no way an endorsement by Central State, and we are not responsible for its content. Please remember that when you leave our site, our Privacy Policy is no longer in effect. Once you visit another site, your web privacy and security is defined by that web site’s own policy.
You are about to leave Central State Credit Union’s web site. We have provided this link as a courtesy, but it is in no way an endorsement by Central State, and we are not responsible for its content. Please remember that when you leave our site, our Privacy Policy is no longer in effect. Once you visit another site, your web privacy and security is defined by that web site’s own policy.
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