5.15% 50-Month CD at Central State Credit Union in California

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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 14-month certificate. The minimum deposit is $10,000. The special is for current checking account holders or members who open a checking account with direct deposit.

The credit union continues to offer a decent new-member special with a 7.00% APY for a 12-month term. The maximum deposit is $2,500. Only one certificate is allowed per new member. With the max deposit of $2,500, you'll earn about $75 more than a 4% 12-month CD.

Membership is open to those who live, work or worship in San Joaquin or Calaveras County, California. Please see their Membership page for the full details. Membership requires a $5 fee and a minimum $5 deposit in the savings account.

Branches are located in cities of Stockton, Lodi, San Andreas and Angels Camp.

The Central State Credit Union has some decent financial ratings for soundness: 4 stars (excellent) at BauerFinancial and 3 stars (performing) at Bankrate.com. Both are based on 6/30/08 data. The credit union is federally insured by the NCUA (Charter # 60363).
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5.50% 50-Month CD at a Central State in California
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 deposit.

There's also a decent new-member special with a 7.00% APY for a 12-month term. The maximum deposit is $2,500. Only one certificate is allowed per new member. With the max deposit of $2,500, you'll earn about $75 more than a 4% 12-month CD.

This credit union has been...



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5.00% 5-Month CD at a California CU (Central State).
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 Credit Union is offering a special 5-month certificate with a yield of 5.15% APY. The minimum deposit is $10,000. The yield is 5.00% APY for a $1,000 minimum. The special requires you to already have a Central State checking account or you must open a new...


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5.50% 9-Month / 7.00% 12-Month CD ($1K Max) at a California CU - (Central State)
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 7.00% APY 12-month certificate. This one has a minimum and maximum deposit of $1,000. Please see the rate table for more details.

This credit union had some better specials last month with 6% and 5.75% CDs. The 7% would be nice if it had a higher deposit cap. With a...

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6.00% 60-Month / 5.75% 13-Month CD at a California CU (Central State)
Central State Credit Union has a 13 month special certificate with a yield of 5.75% 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 60 month certificate with a yield of 6.00% APY and a $10,000 minimum deposit. This one is not a special and doesn't have the checking account. Please see the rate table for more details.

Membership is open to anyone who lives, works, or worships in San Joaquin or Calaveras County, CA. Please...

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