Central State Credit Union

919 N Center St
Stockton, CA 95202
(800) 675-5114
www.centralstatecu.org

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Central State Credit Union is headquartered in Stockton and is the 125^th largest credit union in the state of California. It is also the 1,129^th largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 43 employees and 20,244 members. Central State Credit Union has a 4-star health rating.

Central State Credit Union Routing Number: 321177735

5.15% 50-Month CD at Central State Credit Union in California - 11/18/2008

Central State Credit Union continues to offer some attractive special certificate rates as of 11/18/08. The rates have gone down since my last post, but they still remain competitive. These include a 5.15% APY 50-month certificate and a 4.00% APY...

5.50% 50-Month CD at a Central State in California - 10/9/2008

Central State Credit Union is offering a special 50-month certificate with a yield of 5.50% APY and a rate of 5.37%. The minimum deposit is $10,000. The special is for current checking account holders or members who open a checking account with direct...

5.00% 5-Month CD at a California CU (Central State). - 1/30/2008

Update 2/09/08: The rates of this CD have fallen. Please check the credit union's website for the latest rates.Update 2/2/08: The yields on the special 5-month CD have fallen to 5.00% APY for a $10K minimum and 4.75% APY for a $1K minimum.Central State...

5.50% 9-Month / 7.00% 12-Month CD ($1K Max) at a California CU - (Central State) - 9/14/2007

Central State Credit Union has a 9 month special certificate with a yield of 5.50% APY. The minimum deposit is $1,000. The special is for current checking account holders or new checking accounts with Direct Deposit. There's also a new-member special...

2007

8/9 - 6.00% 60-Month / 5.75% 13-Month CD at a California CU (Central State)

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See Rates for: Checking | Savings | CD | IRA

Central State Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.05%	$50k	-	Premium Checking Account

Central State Credit Union Savings Account Rates

Apy	Min	Max	Product
0.15%	$100k	-	Share Plus Account
0.06%	$100k	-	IRA Share Account
0.06%	$100k	-	Regular Share Account
0.06%	$100k	-	Roth IRA Share Account
0.06%	$100k	-	Coverdell Education Savings Account
0.04%	$100	-	Christmas Club Account
0.04%	-	-	Planet M & Boom Account

Central State Credit Union CD Rates

Apy	Min	Max	Product
1.15%	$50k	$100k	60 Month Jumbo Share Certificate
1.15%	$100k	-	60 Month Jumbo Plus Share Certificate
1.10%	$1k	$10k	60 Month Share Certificate
1.10%	$10k	$25k	60 Month Premium Share Certificate
1.10%	$25k	$50k	60 Month Premium Plus Share Certificate
0.75%	$1k	$10k	48 - 59 Month Share Certificate
0.75%	$10k	$25k	48 - 59 Month Premium Share Certificate
0.75%	$25k	$50k	48 - 59 Month Premium Plus Share Certificate
0.75%	$50k	$100k	48 - 59 Month Jumbo Share Certificate
0.75%	$100k	-	48 - 59 Month Jumbo Plus Share Certificate
0.65%	$1k	$10k	36 - 47 Month Share Certificate
0.65%	$10k	$25k	36 - 47 Month Premium Share Certificate
0.65%	$25k	$50k	36 - 47 Month Premium Plus Share Certificate
0.65%	$50k	$100k	36 - 47 Month Jumbo Share Certificate
0.65%	$100k	-	36 - 47 Month Jumbo Plus Share Certificate
0.45%	$1k	$10k	24 - 35 Month Share Certificate
0.45%	$10k	$25k	24 - 35 Month Premium Share Certificate
0.45%	$25k	$50k	24 - 35 Month Premium Plus Share Certificate
0.45%	$50k	$100k	24 - 35 Month Jumbo Share Certificate
0.45%	$100k	-	24 - 35 Month Jumbo Plus Share Certificate
0.16%	$500	$1k	180 Day Planet M & Boom Youth Certificate
0.16%	$1k	$5k	180 Day Planet M & Boom Premium Youth Certificate

Central State Credit Union IRA Rates

Apy	Min	Max	Product
1.15%	$50k	$100k	60 Month Jumbo IRA Certificate
1.15%	$100k	-	60 Month Jumbo Plus IRA Certificate
1.15%	$50k	$100k	60 Month Jumbo Roth IRA Certificate
1.15%	$100k	-	60 Month Jumbo Plus Roth IRA Certificate
1.10%	$1k	$10k	60 Month IRA Certificate
1.10%	$10k	$25k	60 Month Premum IRA Share Certificate
1.10%	$25k	$50k	60 Month Premium Plus IRA Certificate
1.10%	$1k	$10k	60 Month Roth IRA Certificate
1.10%	$25k	$50k	60 Month Premium Plus Roth IRA Certificate
1.10%	$10k	$25k	60 Month Premum Roth IRA Share Certificate
0.75%	$1k	$10k	48 - 59 Month IRA Certificate
0.75%	$10k	$25k	48 - 59 Month Premium IRA Share Certificate
0.75%	$25k	$50k	48 - 59 Month Premium Plus IRA Certificate
0.75%	$50k	$100k	48 - 59 Month Jumbo IRA Certificate
0.75%	$100k	-	48 - 59 Month Jumbo Plus IRA Certificate
0.75%	$1k	$10k	48 - 59 Month Roth IRA Certificate
0.75%	$50k	$100k	48 - 59 Month Jumbo Roth IRA Certificate
0.75%	$100k	-	48 - 59 Month Jumbo Plus Roth IRA Certificate
0.75%	$10k	$25k	48 - 59 Month Premium Roth IRA Share Certificate
0.75%	$25k	$50k	48 - 59 Month Premium Plus Roth IRA Certificate
0.65%	$1k	$10k	36 - 47 Month IRA Certificate
0.65%	$10k	$25k	36 - 47 Month Premium IRA Share Certificate
0.65%	$25k	$50k	36 - 47 Month Premium Plus IRA Certificate
0.65%	$50k	$100k	36 - 47 Month Jumbo IRA Certificate
0.65%	$100k	-	36 - 47 Month Jumbo Plus IRA Certificate
0.65%	$1k	$10k	36 - 47 Month Roth IRA Certificate
0.65%	$50k	$100k	36 - 47 Month Jumbo Roth IRA Certificate
0.65%	$100k	-	36 - 47 Month Jumbo Plus Roth IRA Certificate
0.65%	$10k	$25k	36 - 47 Month Premium Roth IRA Share Certificate
0.65%	$25k	$50k	36 - 47 Month Premium Plus Roth IRA Certificate
0.45%	$1k	$10k	24 - 35 Month IRA Certificate
0.45%	$10k	$25k	24 - 35 Month Premium IRA Share Certificate
0.45%	$25k	$50k	24 - 35 Month Premium Plus IRA Certificate
0.45%	$50k	$100k	24 - 35 Month Jumbo IRA Certificate
0.45%	$100k	-	24 - 35 Month Jumbo Plus IRA Certificate
0.45%	$1k	$10k	24 - 35 Month Roth IRA Certificate
0.45%	$50k	$100k	24 - 35 Month Jumbo Roth IRA Certificate
0.45%	$100k	-	24 - 35 Month Jumbo Plus Roth IRA Certificate
0.45%	$10k	$25k	24 - 35 Month Premium Roth IRA Share Certificate
0.45%	$25k	$50k	24 - 35 Month Premium Plus Roth IRA Certificate

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

CENTRAL STATE
NCUA #	60363
BankRate Report	View
Year Chartered	1936
Employees	43
Primary Regulator
Assets and Liabilities
Assets	$146.47 million
Loans	$83.17 million
Deposits	$132.96 million
Equity Capital	$13.24 million
Loan Loss Allowance	$2.75 million
Unbacked Noncurrent Loans	$888,000
Real Estate Owned	$400,000
Historic Data - December 2011
Assets	$145.73 million
Equity Capital	$13.06 million
Loan Loss Allowance	$2.85 million
Unbacked Noncurrent Loans	$2.15 million
Profit Margin - Quarterly
Net Interest Margin	5.72%
Return on Assets	0.11%
Return on Equity	1.22%
Interest Income	$5.43 million
Non-Interest Income	$2.35 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Central State Credit Union had $1.29 million in non-current loans and owned real-estate with $15.98 million in equity and loan loss allowances on hand to cover it. This gives Central State Credit Union a Texas Ratio of 8.06% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Central State Credit Union decreased significantly from 13.54% as of December 31, 2011 to 8.06% as of December 31, 2012, resulting in a positive change of 40.50%.This indicates that the balance sheet and financial strength for Central State Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Central State Credit Union has increased its total deposits by $551,000, resulting in 0.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Central State Credit Union has shown is average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Central State Credit Union has $146.47 million in assets with $15.98 million in equity, resulting in a capitalization level of 10.91%, which is above average.