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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

      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%
      JOIN CSCU
    • Christmas Club Accounts
      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%
      JOIN CSCU
    • IRA Share Accounts
      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%
      JOIN CSCU
  • 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

      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%
      JOIN CSCU
    • Business Dividend Checking
      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%
      JOIN CSCU

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+

    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%
    JOIN CSCU

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

    Share & IRA Certificates Type Minimum Rate APY
    Planet M & Boom 180-Day Certificate Fixed $1,000 0.150% 0.150%
    JOIN CSCU

Loan Rates

  • Auto Loans

    New Vehicle Loan: Model Years 2022-2021

    Details 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

    Details Annual Percentage Rate Annual Percentage Rate
    Terms 24-84 months. Vehicles greater than 100,000 miles - Add 2% to rate
    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%*

    Used Auto Loan: Model Years 2013-2010

    Details Annual Percentage Rate Annual Percentage Rate
    Terms up to 66 months.
    Add 2% for Vehicles greater than 12 years old.
    Add 2% to rate for Vehicles greater than 100,000 miles
    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%

    Used Auto Loan: Model Years 2009-2007

    Details Annual Percentage Rate Annual Percentage Rate
    Terms up to 66 months.
    Maximum Total Advance 100% - 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%

    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."

  • 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.
    5.29%* to 8.29%*

    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.
    6.29%* to 9.29%*

    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.
    Must provide full insurance coverage. * Rates vary with amount financed, term and your credit history.
    6.29%* to 9.39%*
  • 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 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
    15.99%
  • Personal Loans

    Signature Loan

    Details Annual Percentage Rate Annual Percentage Rate
    Loan amounts up to $15,000
    Terms up to 36 months
    * Rates vary with amount financed, term, and your credit history.
    9.99%* 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.
    10.99%* to 17.99%*

    Secured Loans

    Type Annual Percentage Rate
    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

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).

Savings Rates

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Loans Rates

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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.

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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.

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