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 Central State Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
Central State Credit Union's 60 Month CD rates are at 0.50%, 60 Month CD Jumbo Plus rates are at 0.50%, 60 Month CD Jumbo to $99,999 rates are at 0.50%, 60 Month CD Premium Plus rates are at 0.50%, 48 - 59 Month CD rates are at 0.40%. Central State Credit Union's savings rates are at 0.05%. Central State Credit Union's Personal Loan Rates are at 5.99%. MonitorBankRates evaluates the financial stability of Central State Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.99%. Rates were last updated on 03/25/2026. Central State Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central State Credit Union? Share your experience about Central State Credit Union by leaving a review below, or read customer reviews before you decide to use Central State Credit Union. Central State Credit Union
Main Branch 919 N Center St
https://www.centralstatecu.org Stockton, CA 95202 
Central State Credit Union CD Rates
Central State Credit Union Savings Rates
Central State Credit Union Checking Rates
Central State Credit Union Auto Loan Rates
Central State Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Central State Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Central State Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Central State Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Central State Credit Union
Website
https://www.centralstatecu.org
Address
919 N Center St,
Stockton, CA 95202
Phone
209-444-5300
Fax
209-444-5372
President
Linda Frontz
CEO
Paul Kramer
Full-Time Employees
42
Part-Time Employees
6
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.99%
Return on Assets (ROA)
0.2079%
Return on Equity (ROE)
2.1117%
Non-Performing Loans Ratio (NPL)
0.34%
Total Assets
230,384,610
Total Amount of Shares and Deposits
214,942,684
Total Shares and Deposits < 1 Year
214,033,996
Total Shares and Deposits 1 3 Years
856,179
Total Shares and Deposits > 3 Years
52,510
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,048,993
Total Uninsured Shares and Deposits > $250K (F+J)
13,048,993
Total Insured Shares and Deposits > $250K (item 17 less item K)
201,893,691
Total Interest Expense (Sum of items 6 8)
925,593
Share Certificates
326
Number of Accounts for Share Drafts
11,823
IRA KEOGH Accounts
325
Number of Accounts for Regular Shares
17,452
Money Market Shares
378
Net Income (unless the amount is already included in Undivided Earnings)
479,064
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
23,330,525
Total Liabilities
215,695,673
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Central State Credit UnionIs Central State Credit Union a safe place to deposit money?Yes, Central State Credit Union is considered a safe financial institution. With a Texas Ratio of 0.98813707437002%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Central State Credit Union operate?Central State Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Central State Credit Union?Yes, to access services at Central State Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Central State Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Central State Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Central State Credit Union offer online and mobile banking?Most modern institutions like Central State Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.centralstatecu.org. Current Central State Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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