Central State Credit Union

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CURRENT TOP RATE

60 Month Share Certificate

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.50%	5-year CD	3.10% - American Express National Bank 60 Month CD
0.40%	1-year CD	1.30% - National Average
0.10%	Savings	2.10% - American Express National Bank High Yield Savings Account

View all Central State Credit Union rates »

Overview / Commentary

www.centralstatecu.org

800-675-5114

919 N Center St
Stockton, CA 95202

Central State Credit Union is headquartered in Stockton and is the 118^th largest credit union in the state of California. It is also the 1,043^rd largest credit union in the nation. It was established in 1936 and as of September of 2018, it had grown to 45 employees and 24,331 members at 4 locations. Central State Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in Central State Credit Union is open to those who live, work, attend school or worship in San Joaquin, Stanislaus, Tuolumne, Amador or Calaveras Counties in California.
See current membership details

Related Posts

View all posts from:

2008
2007

11/18 - 5.15% 50-Month CD at Central State Credit Union in California
10/9 - 5.50% 50-Month CD at a Central State in California
2/9 - 5.00% 5-Month CD at a California CU (Central State).

9/14 - 5.50% 9-Month / 7.00% 12-Month CD ($1K Max) at a California CU - (Central State)
8/9 - 6.00% 60-Month / 5.75% 13-Month CD at a California CU (Central State)

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Health

B+

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	60363
Year Chartered	1936
Employees	45
Primary Regulator

Profit Margin
Return on Assets - YTD	0.87%
Return on Equity - YTD	12.22%
Annual Interest Income	$5.1MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$202.8MM$192.4MM
Loans	Q3 2018vs Q3 2017	$112.9MM$113.0MM
Deposits	Q3 2018vs Q3 2017	$186.6MM$177.3MM
Equity Capital	Q3 2018vs Q3 2017	$14.3MM$13.9MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$1.5MM$1.4MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$573.00K$316.00K
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Checking
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IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$100k^*	-	Share Plus Account
OTHER TIERS: 0.10% → $500 - $10k \| 0.15% → $10k - $25k \| 0.20% → $25k - $100k
0.10%	$100	-	Christmas Club Account
0.10%	$1	-	Planet M & Boom Account
0.10%	$500	-	IRA Share Account
0.10%	$500	-	Regular Share Account
0.10%	$500	-	Coverdell Education Savings Account

Central State Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	Premium Checking Account
0.10%	-	-	50+ Dividend Checking
0.10%	-	-	Direct Dividend Checking
0.10%	$1k	-	Business Dividend Checking

Central State Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.50%	$1k	$10k	60 Month Share Certificate
1.50%	$10k	$25k	60 Month Premium Share Certificate
1.50%	$25k	$50k	60 Month Premium Plus Share Certificate
1.50%	$50k	$100k	60 Month Jumbo Share Certificate
1.50%	$100k	-	60 Month Jumbo Plus Share Certificate
1.20%	$1k	$10k	48 - 59 Month Share Certificate
1.20%	$10k	$25k	48 - 59 Month Premium Share Certificate
1.20%	$25k	$50k	48 - 59 Month Premium Plus Share Certificate
1.20%	$50k	$100k	48 - 59 Month Jumbo Share Certificate
1.20%	$100k	-	48 - 59 Month Jumbo Plus Share Certificate
0.95%	$1k	$10k	36 - 47 Month Share Certificate
0.95%	$10k	$25k	36 - 47 Month Premium Share Certificate
0.95%	$25k	$50k	36 - 47 Month Premium Plus Share Certificate
0.95%	$50k	$100k	36 - 47 Month Jumbo Share Certificate
0.95%	$100k	-	36 - 47 Month Jumbo Plus Share Certificate
0.70%	$100k	-	24 - 35 Month Jumbo Plus Share Certificate
0.60%	$1k	$10k	24 - 35 Month Share Certificate
0.60%	$10k	$25k	24 - 35 Month Premium Share Certificate
0.60%	$50k	$100k	24 - 35 Month Jumbo Share Certificate
0.50%	$25k	$50k	24 - 35 Month Premium Plus Share Certificate
0.50%	$100k	-	12 - 23 Month Jumbo Plus Share Certificate
0.40%	$1k	$10k	12 - 23 Month Share Certificate
0.40%	$10k	$25k	12 - 23 Month Premium Share Certificate
0.40%	$25k	$50k	12 - 23 Month Premium Plus Share Certificate
0.40%	$50k	$100k	12 - 23 Month Jumbo Share Certificate
0.40%	$500	$1k	180 Day Planet M & Boom Youth Certificate
0.40%	$1k	$5k	180 Day Planet M & Boom Premium Youth Certificate

Central State Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.50%	$1k	$10k	60 Month IRA Certificate
1.50%	$10k	$25k	60 Month Premium IRA Share Certificate
1.50%	$25k	$50k	60 Month Premium Plus IRA Certificate
1.50%	$50k	$100k	60 Month Jumbo IRA Certificate
1.50%	$100k	-	60 Month Jumbo Plus IRA Certificate
1.20%	$1k	$10k	48 - 59 Month IRA Certificate
1.20%	$10k	$25k	48 - 59 Month Premium IRA Share Certificate
1.20%	$25k	$50k	36 - 47 Month Premium Plus IRA Certificate
1.20%	$25k	$50k	48 - 59 Month Premium Plus IRA Certificate
1.20%	$50k	$100k	48 - 59 Month Jumbo IRA Certificate
1.20%	$100k	-	48 - 59 Month Jumbo Plus IRA Certificate
0.95%	$1k	$10k	36 - 47 Month IRA Certificate
0.95%	$10k	$25k	36 - 47 Month Premium IRA Share Certificate
0.95%	$50k	$100k	36 - 47 Month Jumbo IRA Certificate
0.95%	$100k	-	36 - 47 Month Jumbo Plus IRA Certificate
0.70%	$100k	-	24 - 35 Month Jumbo Plus IRA Certificate
0.60%	$1k	$10k	24 - 35 Month IRA Certificate
0.60%	$10k	$25k	24 - 35 Month Premium IRA Share Certificate
0.60%	$50k	$100k	24 - 35 Month Jumbo IRA Certificate
0.50%	$25k	$50k	24 - 35 Month Premium Plus IRA Certificate
0.50%	$100k	-	12 - 23 Month Jumbo Plus IRA Certificate
0.40%	$1k	$10k	12 - 23 Month IRA Certificate
0.40%	$10k	$25k	12 - 23 Month Premium IRA Share Certificate
0.40%	$25k	$50k	12 - 23 Month Premium Plus IRA Certificate
0.40%	$50k	$100k	12 - 23 Month Jumbo IRA Certificate

Locations

Central State Credit Union Locations
Branch Office	363 S Lower Sacramento Rd	Lodi, CA 95242-3323
Branch Office	5242 N El Dorado St	Stockton, CA 95207-5845
Branch Office	462 W Saint Charles St	San Andreas, CA 95249-9664
Branch Office	919 N Center St	Stockton, CA 95202

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