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Central State Credit Union


Overview / Commentary
www.centralstatecu.org
209-444-5300
919 N Center St
Stockton, CA 95202

Central State Credit Union is headquartered in Stockton and is the 117th largest credit union in the state of California. It is also the 1,159th largest credit union in the nation. It was established in 1936 and as of June of 2023, it had grown to 42 employees and 16,644 members at 4 locations. Central State Credit Union has a B health rating.

Field of Membership Restrictions

Central State Credit Union is open to anyone who lives, works, or worships in the California counties of Amador, Calaveras, San Joaquin, Stanislaus, or Tuolumne.
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Health
B

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #60363
Year Chartered1936
Employees42
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD21.52%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$233.0MM$244.8MM
LoansQ2 2023vs Q2 2022$99.0MM$55.3MM
DepositsQ2 2023vs Q2 2022$226.5MM$235.6MM
Equity CapitalQ2 2023vs Q2 2022$5.9MM$8.2MM
Loan Loss AllowanceQ2 2023vs Q2 2022$745.00K$1.0MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$241.00K$133.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Central State Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Christmas Club Account
0.05%$1-Planet M & Boom Account
0.04%*$25k*-Share Plus Account
OTHER TIERS: 0.03% → $500 - $25k
0.04%$500-IRA Share Account
0.04%*$50k*-Regular Share Account
OTHER TIERS: 0.03% → $500 - $50k

Central State Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.04%*$1k*-Premium Checking Account
OTHER TIERS: 0.03% → Up to $1k
0.04%--50+ Dividend Checking
0.04%--Direct Dividend Checking
0.03%$1k-Business Dividend Checking

Central State Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1k$10k60 Month Share Certificate
0.50%$10k$25k60 Month Premium Share Certificate
0.50%$25k$50k60 Month Premium Plus Share Certificate
0.50%$50k$100k60 Month Jumbo Share Certificate
0.50%$100k-60 Month Jumbo Plus Share Certificate
0.40%$1k$10k48 - 59 Month Share Certificate
0.40%$10k$25k48 - 59 Month Premium Share Certificate
0.40%$25k$50k48 - 59 Month Premium Plus Share Certificate
0.40%$50k$100k48 - 59 Month Jumbo Share Certificate
0.40%$100k-48 - 59 Month Jumbo Plus Share Certificate
0.30%$1k$10k36 - 47 Month Share Certificate
0.30%$10k$25k36 - 47 Month Premium Share Certificate
0.30%$25k$50k36 - 47 Month Premium Plus Share Certificate
0.30%$50k$100k36 - 47 Month Jumbo Share Certificate
0.30%$100k-36 - 47 Month Jumbo Plus Share Certificate
0.18%$1k$10k24 - 35 Month Share Certificate
0.18%$10k$25k24 - 35 Month Premium Share Certificate
0.18%$25k$50k24 - 35 Month Premium Plus Share Certificate
0.18%$50k$100k24 - 35 Month Jumbo Share Certificate
0.18%$100k-24 - 35 Month Jumbo Plus Share Certificate
0.15%$500$1k180 Day Planet M & Boom Youth Certificate
0.15%$1k$5k180 Day Planet M & Boom Premium Youth Certificate
0.13%$1k$10k12 - 23 Month Share Certificate
0.13%$10k$25k12 - 23 Month Premium Share Certificate
0.13%$25k$50k12 - 23 Month Premium Plus Share Certificate
0.13%$50k$100k12 - 23 Month Jumbo Share Certificate
0.13%$100k-12 - 23 Month Jumbo Plus Share Certificate

Central State Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1k$10k60 Month IRA Certificate
0.50%$10k$25k60 Month Premium IRA Share Certificate
0.50%$25k$50k60 Month Premium Plus IRA Certificate
0.50%$50k$100k60 Month Jumbo IRA Certificate
0.50%$100k-60 Month Jumbo Plus IRA Certificate
0.40%$1k$10k48 - 59 Month IRA Certificate
0.40%$10k$25k48 - 59 Month Premium IRA Share Certificate
0.40%$25k$50k48 - 59 Month Premium Plus IRA Certificate
0.40%$50k$100k48 - 59 Month Jumbo IRA Certificate
0.40%$100k-48 - 59 Month Jumbo Plus IRA Certificate
0.30%$1k$10k36 - 47 Month IRA Certificate
0.30%$10k$25k36 - 47 Month Premium IRA Share Certificate
0.30%$25k$50k36 - 47 Month Premium Plus IRA Certificate
0.30%$50k$100k36 - 47 Month Jumbo IRA Certificate
0.30%$100k-36 - 47 Month Jumbo Plus IRA Certificate
0.18%$1k$10k24 - 35 Month IRA Certificate
0.18%$10k$25k24 - 35 Month Premium IRA Share Certificate
0.18%$25k$50k24 - 35 Month Premium Plus IRA Certificate
0.18%$50k$100k24 - 35 Month Jumbo IRA Certificate
0.18%$100k-24 - 35 Month Jumbo Plus IRA Certificate
0.15%$1k$5k180 Day Planet M & Boom Premium Youth IRA Certificate
0.15%$500$1k180 Day Planet M & Boom Youth IRA Certificate
0.13%$1k$10k12 - 23 Month IRA Certificate
0.13%$10k$25k12 - 23 Month Premium IRA Share Certificate
0.13%$25k$50k12 - 23 Month Premium Plus IRA Certificate
0.13%$50k$100k12 - 23 Month Jumbo IRA Certificate
0.13%$100k-12 - 23 Month Jumbo Plus IRA Certificate
Locations


Central State Credit Union Locations
Branch Office363 S Lower Sacramento RdLodi, CA 95242-3326
Branch Office5242 N El Dorado StStockton, CA 95207-5845
Branch Office462 Saint Charles StSan Andreas, CA 95249-9664
Branch Office919 N Center StStockton, CA 95202

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