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Effective Date:
Savings and Checking Rates
- Savings Accounts
- Share Accounts
Regular Share Account
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% Share Plus Account
JOIN CSCUAccount 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% - Holiday Club Accounts JOIN CSCU
Account Name Rate Type Minimum Balance Min Average Daily Balance to Earn Dividends Dividend Rate Annual Percentage Yield Holiday Club Accounts Variable $5 $500 0.050% 0.050% - IRA Share Accounts JOIN CSCU
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%
- Share Accounts
- Checking Accounts
- Personal Checking
Absolutely Free
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 50+ Dividend Checking
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% Direct Dividend Checking
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% Premium Checking
JOIN CSCUAccount 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% - Business Dividend Checking JOIN CSCU
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%
- Personal Checking
Share & IRA Certificates
- Share & IRA Certificates
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+
JOIN CSCUShare & 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 Accounts
- Youth Accounts
Planet M & Boom Savings Accounts
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% Boom Checking Account
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 Youth Certificates Regular $500 to $999
Share & IRA Certificates Type Minimum Rate APY Planet M & Boom 180-Day Certificate Fixed $500 0.150% 0.150% Youth Certificates Premium $1,000 to $5,000
JOIN CSCUShare & IRA Certificates Type Minimum Rate APY Planet M & Boom 180-Day Certificate Fixed $1,000 0.150% 0.150%
Loan Rates
- Auto Loans
New Vehicle Loan: Model Years 2024-2023
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%* Used Auto Loan: Model Years 2023-2017
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%* Used Auto Loan: Model Years 2016-2013
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% Used Auto Loan: Model Years 2010-2008
First Time Buyers Program - New or Used Auto
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." - Boat, RV, Motorcycle, Jet Ski & All Terrain Vehicles
New Boats & Recreational Vehicles
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%* Used Boats & Recreational Vehicles
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%* Motorcycle, Jet Ski & All Terrain Vehicles
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%* - Credit Cards
Mastercard Credit Card
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%* Mastercard - Secured
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 Rate15.99% - Personal Loans
Signature Loan
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%* Starter Loan - to build or establish credit history
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% Line of Credit
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%* Secured Loans
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).
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ABSOLUTELY FREE CHECKING
NO MINIMUM BALANCE
That's right, no minimum balance. We built this checking just for you!
NO MONTHLY SERVICE CHARGE
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:
ONLINE SERVICES
QUICK LINKS
Third Party Link Disclaimer
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.
SPECIAL SERVICES
Third Party Link Disclaimer
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.
Third Party Link Disclaimer
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.
Third Party Link Disclaimer
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.