Central State Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 114^th largest credit union in the state of California. It is also the 1,172^nd largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 38 employees and 15,082 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.
See current membership details

Reviews

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	60363
Year Chartered	1936
Employees	38
Primary Regulator

Profit Margin
Return on Assets - YTD	0.29%
Return on Equity - YTD	5.65%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$238.8MM$235.9MM
Loans	Q1 2025vs Q1 2024	$58.9MM$80MM
Deposits	Q1 2025vs Q1 2024	$225.7MM$226.1MM
Equity Capital	Q1 2025vs Q1 2024	$12.3MM$8.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$745K$553K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$258K$497K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for Central State Credit Union are currently being reviewed.

Locations

Central State Credit Union Locations
Branch Office	363 S Lower Sacramento Rd	Lodi, CA 95242-3326
Branch Office	5242 N El Dorado St	Stockton, CA 95207-5845
Branch Office	462 Saint Charles St	San Andreas, CA 95249-9664
Branch Office	919 N Center St	Stockton, CA 95202

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