We're Hiring Join Us Facebook Twitter

Central State Credit Union

Rate Central

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

Online Central Login

eStatement Login

Quick Links

At Your Service

  • Phone
    • (209) 444-5300
    • (800) 675-5114
  • Email
  • 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


Special Services
We offer Special Services for special members like you! These services will save you time and money and, in many cases, give you peace of mind, too.
Direct Deposit is the safest, most convenient way to receive your money. If your place of employment offers Direct Deposit, you can have your paycheck automatically deposited to your CSCU account. Direct Deposit can also be used for Social Security and other recurring monthly checks, such as benefit or pension checks.

Contact your payroll department or your local Social Security office to take advantage of the convenience and security of Direct Deposit. They will need CSCU's routing number, which is 321177735.
Payroll Deduction is ideal for automatically depositing set amounts from your paycheck into your CSCU Savings, Checking or Club accounts or for making automatic loan payments.

Check with your employer to set up payroll deduction. They will need CSCU's routing number, which is 321177735.
Keep in touch with your accounts FREE anytime via your touchtone phone. Our easy menu-driven directory makes it simple. Call:
(209) 943-6803
(800) 217-4939 (outside the 209 area code)
Central State Credit Union offers quality financial planning assistance. For more information or to schedule an appointment, call (209) 444-5300.
Turn loose change into cash at CSCU's COINSTAR® machines in the lobbies of our Center Street, El Dorado, Lodi or San Andreas branches.

If you have one or more of the following CSCU services, you qualify for a refund of the 4.9% COINSTAR fee:
  • An active Checking Account
  • ACH Direct Deposit
  • A loan
  • Combined balances of $10,000 or more in savings and/or certificates

Do You Have Holes in Your Safety Net?
Are you among the millions of Americans who live paycheck to paycheck—saving little from each paycheck to secure a financial safety net?

Introducing Members Choice Borrower Security
Central State Credit Union wants to offer you a safety net to help protect your assets. Members Choice protects your loan payments. It is a safety net that cancels or reduces debt obligations when a protected life event like disability, death or involuntary unemployment make paying off your loan a challenge. Members Choice fees are based on a group rate and you buy only enough protection to cover your loan balance. And tying protection directly to your loan means you'll have exactly the right amount of protection—no more, no less.

Think about your future today. Choose to protect your loan payments with Members Choice Borrower Security. Call (209) 444-5300 or (800) 675-5114 and ask about Debt Protection on your loans.

Debt Protection is a product offered by Central State Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact (209) 444-5300 or (800) 675-5114 for additional information on benefit maximums, eligibility and limitations.


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
All content including look and feel copyright 2011 Central State Credit Union
If you are using a screen reader and are having problems using this website, please call (209) 444-5300 for assistance.