Effective Date: 09/01/2026
Savings and Checking Rates
- Savings, Checking & Money Market Accounts
This Rate Schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with Central State Credit Union. For the purpose of this disclosure, the dividend rate and annual (APY) stated for the term share accounts were offered within the most recent seven calendar days and were accurate as of 09/01/2026. Please call (209) 444-5300 to obtain current rate information.
JOIN CSCUAccount Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate 1 Relationship APY 1 Regular Share Accounts Variable $5 $500 $500 - $49,999 0.025% 0.025% N/A N/A $50,000 & Above 0.035% 0.035% N/A N/A Holiday Club Accounts Variable $5 $100 0.050% 0.050% N/A N/A Planet M & Boom Accounts Variable $5 $1 0.050% 0.050% N/A N/A Share Plus Accounts* Variable $2,500 $2,500 $2,500 - $9,999 0.025% 0.025% N/A N/A $25,000 & Above 0.035% 0.035% N/A N/A IRA Shares Variable $5 $500 $500 & Above 0.035% 0.035% N/A N/A Boom Checking $5 N/A N/A N/A N/A N/A Free Checking Non-Dividend $45 N/A N/A N/A N/A N/A 50+ Dividend Checking Variable $45 $0 0.035% 0.035% N/A N/A Direct Dividend Checking Variable $45 $0 0.035% 0.035% N/A N/A Premium Dividend Checking Variable $45 $0 - $999
1000+0.025%
0.035%0.025%
0.035%N/A N/A Business Checking Non-Dividend $45 N/A N/A N/A N/A N/A Business Dividend Checking Variable $45 1000+ 0.025% 0.025% N/A N/A Premier Money Market** Variable $10,000 $10,000 $10,000.00 – $49,999.99 0.50% 0.50% 0.75% 0.75% $50,000.00 – $99,999.99 1.00% 1.00% 1.25% 1.26% $100,000.00 – $199,999.99 2.00% 2.02% 2.25% 2.27% $200,000.00 – $299,999.99 3.00% 3.04% 3.25% 3.30% $300,000.00 & Above 3.25% 3.30% 3.50% 3.56% Business Money Market** Variable $10,000 $10,000 $10,000.00 – $49,999.99 0.50% 0.50% 0.75% 0.75% $50,000.00 – $99,999.99 1.00% 1.00% 1.25% 1.26% $100,000.00 – $199,999.99 2.00% 2.02% 2.25% 2.27% $200,000.00 – $299,999.99 3.00% 3.04% 3.25% 3.30% $300,000.00 and Above 3.25% 3.30% 3.50% 3.56%
Share & IRA Certificates
- Share & IRA Certificates
This Rate Schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with Central State Credit Union. For the purpose of this disclosure, the dividend rate and annual (APY) stated for the term share accounts were offered within the most recent seven calendar days and were accurate as of 09/01/2026. Please call (209) 444-5300 to obtain current rate information.
JOIN CSCURegular Premium Premium Plus Jumbo Jumbo Plus $1,000 to $9,999 $10,000 to $24,999 $25,000 to $49,999 $50,000 to $99,999 $100,000 + Share & IRA Certificates Rate APY Rate APY Rate APY Rate APY Rate APY 6 Month Certificate 1.903% 1.920% 1.903% 1.920% 1.903% 1.920% 1.903% 1.920% 1.903% 1.920% 12 - 23 Month Certificate 2.374% 2.400% 2.374% 2.400% 2.374% 2.400% 2.374% 2.400% 2.374% 2.400% 24 - 35 Month Certificate 2.618% 2.650% 2.618% 2.650% 2.618% 2.650% 2.618% 2.650% 2.618% 2.650% 36 - 47 Month Certificate 2.667% 2.700% 2.667% 2.700% 2.667% 2.700% 2.667% 2.700% 2.667% 2.700% 48 - 59 Month Certificate 2.813% 2.850% 2.813% 2.850% 2.813% 2.850% 2.813% 2.850% 2.813% 2.850% 60 Month Certificate 2.960% 3.000% 2.960% 3.000% 2.960% 3.000% 2.960% 3.000% 2.960% 3.000% CD Special $1,000 - $49,999 $50,000 - $99,999 $100,000+ 18 Month New Money Certificate 3.93% 4.00% 4.07% 4.15% 4.17% 4.25% $500 to $999 $1,000 & Above Youth Certificates Rate APY Rate APY Planet M & Boom 180 Day Certificate 0.150% 0.150% 0.150% 0.150%
Loan Rates
- Auto Loans
New Vehicle Loan: Model Year 2026
Details 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.
To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less.
* Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).As low as 4.49%* Used Auto Loan: Model Year 2018 and Newer
Details 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.
To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less.
* Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).As low as 4.74%* Used Auto Loan: Model Years 2015-2017
Details 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.
To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less.
* Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).As low as 4.74%* - Boat, RV, Motorcycle, Jet Ski & All Terrain Vehicles
New Boats & Recreational Vehicles
Details 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%* – 11.50%* Used Boats & Recreational Vehicles
Details 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%* – 12.50%* Motorcycle, Jet Ski & All Terrain Vehicles
Details 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%* – 12.60%* - Credit Cards
Mastercard Credit Card
Details Annual Percentage Rate Mastercard - Limits from $300.00 to $25,000
No annual fee
25 day grace period on purchases
* Rates vary with amount financed, term, and your credit history.12.99%* – 17.99%* Mastercard - Secured
Details Annual Percentage Rate No credit history. Credit line $250 - $2,500
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 Loan amounts up to $25,000
Terms up to 60 months
* Rates vary with amount financed, term, and your credit history.10.99%* – 17.99%* Starter Loan - to build or establish credit history
Details Annual Percentage Rate $500-$1000
Terms up to 24 months. Must have time on job and demonstrate ability to repay.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 General Fee Schedule. For complete terms and conditions for all account types, please refer to our Truth in Savings Disclosure.
1 To earn the Relationship Dividend Rate and APY, the primary account owner must maintain at least two (2) of the following qualifying active services in good standing during the statement cycle:
1) An aggregate of $500 or more in direct deposits per statement cycle.
2) An open Consumer Loan.
3) An open First Mortgage or Home Equity Line of Credit (HELOC).
4) An active Credit Union Credit Card or open Commercial Loan.
If relationship qualifications are not met, the account will earn the standard Base Dividend Rate and Base APY applicable to your balance tier.
† 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.
* If the account does not maintain an average daily balance of $2,500, a $5 monthly fee will be assessed.
** If the account does not maintain an average daily balance of $5,000, a $15 monthly fee will be assessed.
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).
Tell a Friend
FREE CHECKING
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.