What are the current interest rates at Central State Credit Union?

Current rates for Central State Credit Union include: 18-Month CD: 4.00%, 24-Month CD: 2.40%, 60-Month CD: 2.85%, MMA: 3.56%

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Central State Credit Union

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Central State Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Central State Credit Union's top rates as of October 9, 2026 are 4.25% APY on its 18 Month New Money CD, 3.56% APY on money market accounts, 0.04% APY on checking, personal loans from 17.99% APR, and credit cards from 15.99% APR, according to rates verified by MonitorBankRates. Other Central State Credit Union CD rates include 18 Month New Money CD at 4.15%, 18 Month New Money CD at 4.00%, and 60 Month CD at 3.00%. 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 1.44%. Rates last updated and verified on 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.44%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Central State Credit Union
Main Branch

919 N Center St
Stockton, CA 95202

https://www.centralstatecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Central State Credit Union CD Rates

Product	Rate	APY	Term
18 Month New Money Certificate	4.17%	4.25%	18 Month
Min Balance $100,000 Details CD Special; Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
18 Month New Money Certificate	4.07%	4.15%	18 Month
Min Balance $50,000 Details CD Special; Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
18 Month New Money Certificate	3.93%	4.00%	18 Month
Min Balance $1,000 Details CD Special; Balance: $1,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
60 Month Certificate	2.96%	3.00%	60 Month
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
60 Month Certificate	2.96%	3.00%	60 Month
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
60 Month Certificate	2.96%	3.00%	60 Month
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
60 Month Certificate	2.96%	3.00%	60 Month
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
60 Month Certificate	2.96%	3.00%	60 Month
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
48 - 59 Month Certificate	2.813%	2.85%	48-59 months
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
48 - 59 Month Certificate	2.813%	2.85%	48-59 months
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
48 - 59 Month Certificate	2.813%	2.85%	48-59 months
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
48 - 59 Month Certificate	2.813%	2.85%	48-59 months
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
48 - 59 Month Certificate	2.813%	2.85%	48-59 months
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
36 - 47 Month Certificate	2.667%	2.70%	36-47 months
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
36 - 47 Month Certificate	2.667%	2.70%	36-47 months
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
36 - 47 Month Certificate	2.667%	2.70%	36-47 months
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
36 - 47 Month Certificate	2.667%	2.70%	36-47 months
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
36 - 47 Month Certificate	2.667%	2.70%	36-47 months
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
24 - 35 Month Certificate	2.618%	2.65%	24-35 months
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
24 - 35 Month Certificate	2.618%	2.65%	24-35 months
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
24 - 35 Month Certificate	2.618%	2.65%	24-35 months
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
24 - 35 Month Certificate	2.618%	2.65%	24-35 months
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
24 - 35 Month Certificate	2.618%	2.65%	24-35 months
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
12 - 23 Month Certificate	2.374%	2.40%	12-23 months
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
12 - 23 Month Certificate	2.374%	2.40%	12-23 months
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
12 - 23 Month Certificate	2.374%	2.40%	12-23 months
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
12 - 23 Month Certificate	2.374%	2.40%	12-23 months
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
12 - 23 Month Certificate	2.374%	2.40%	12-23 months
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
6 Month Certificate	1.903%	1.92%	6 Month
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.92% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
6 Month Certificate	1.903%	1.92%	6 Month
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.92% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
6 Month Certificate	1.903%	1.92%	6 Month
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.92% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
6 Month Certificate	1.903%	1.92%	6 Month
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.92% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
6 Month Certificate	1.903%	1.92%	6 Month
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.92% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Planet M & Boom 180 Day Certificate	0.15%	0.15%	180 Day
Min Balance $500 Details Youth Certificates; Balance: $500 to $999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Planet M & Boom 180 Day Certificate	0.15%	0.15%	180 Day
Min Balance $1,000 Details Youth Certificates; Balance: $1,000 & Above Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Central State Credit Union Savings Rates

Product	Rate	APY
Holiday Club Accounts	0.05%	0.05%
Min Deposit $5 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Regular Share Accounts	0.035%	0.035%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Regular Share Accounts	0.025%	0.025%
Min Deposit $5 Min Balance $500 Details Balance: $500 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Central State Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	3.50%	3.56%
Min Deposit $10,000 Min Balance $300,000 Details Relationship APY: 3.56%; Balance: $300,000.00 & Above Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 3.56% ▲ 0.06 pts · high 3.56% / low 3.30% Oct 9, 20263.56%▲ from 3.30% Sep 18, 20263.30%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Premier Money Market	3.25%	3.30%
Min Deposit $10,000 Min Balance $200,000 Details Relationship APY: 3.30%; Balance: $200,000.00 - $299,999.99 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00% Oct 9, 20263.30%▲ from 3.04% Sep 18, 20263.04%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Premier Money Market	2.25%	2.27%
Min Deposit $10,000 Min Balance $100,000 Details Relationship APY: 2.27%; Balance: $100,000.00 - $199,999.99 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 2.00% → 2.27% ▲ 0.27 pts · high 2.27% / low 2.00% Oct 9, 20262.27%▲ from 2.02% Sep 18, 20262.02%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Premier Money Market	2.00%	2.02%
Min Deposit $10,000 Min Balance $200,000 Details Balance: $200,000.00 - $299,999.99 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 2.02% ▼ 0.98 pts · high 3.04% / low 2.02% Oct 9, 20262.02%▼ from 3.04% Sep 18, 20263.04%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Premier Money Market	1.25%	1.26%
Min Deposit $10,000 Min Balance $50,000 Details Relationship APY: 1.26%; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.26% ▲ 0.26 pts · high 1.26% / low 1.00% Oct 9, 20261.26%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Premier Money Market	1.00%	1.00%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 2.00% → 1.00% ▼ 1.00 pts · high 2.02% / low 1.00% Oct 9, 20261.00%▼ from 2.02% Sep 18, 20262.02%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Premier Money Market	0.75%	0.75%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 0.75% ▼ 0.25 pts · high 1.00% / low 0.75% Oct 9, 20260.75%▼ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Premier Money Market	0.50%	0.50%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Central State Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	3.50%	3.56%
Min Deposit $10,000 Min Balance $300,000 Details Relationship APY: 3.56%; Balance: $300,000.00 and Above Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 3.56% ▲ 0.06 pts · high 3.56% / low 3.30% Oct 9, 20263.56%▲ from 3.30% Sep 18, 20263.30%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Business Money Market	3.25%	3.30%
Min Deposit $10,000 Min Balance $200,000 Details Relationship APY: 3.30%; Balance: $200,000.00 - $299,999.99 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00% Oct 9, 20263.30%▲ from 3.04% Sep 18, 20263.04%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Business Money Market	2.25%	2.27%
Min Deposit $10,000 Min Balance $100,000 Details Relationship APY: 2.27%; Balance: $100,000.00 - $199,999.99 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 2.00% → 2.27% ▲ 0.27 pts · high 2.27% / low 2.00% Oct 9, 20262.27%▲ from 2.02% Sep 18, 20262.02%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Business Money Market	2.00%	2.02%
Min Deposit $10,000 Min Balance $200,000 Details Balance: $200,000.00 - $299,999.99 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 2.02% ▼ 0.98 pts · high 3.04% / low 2.02% Oct 9, 20262.02%▼ from 3.04% Sep 18, 20263.04%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Business Money Market	1.25%	1.26%
Min Deposit $10,000 Min Balance $50,000 Details Relationship APY: 1.26%; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.26% ▲ 0.26 pts · high 1.26% / low 1.00% Oct 9, 20261.26%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Business Money Market	1.00%	1.00%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 2.00% → 1.00% ▼ 1.00 pts · high 2.02% / low 1.00% Oct 9, 20261.00%▼ from 2.02% Sep 18, 20262.02%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Business Money Market	0.75%	0.75%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 0.75% ▼ 0.25 pts · high 1.00% / low 0.75% Oct 9, 20260.75%▼ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Business Money Market	0.50%	0.50%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Central State Credit Union Checking Rates

Product	Rate	APY
50+ Dividend Checking	0.035%	0.035%
Min Deposit $45 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Direct Dividend Checking	0.035%	0.035%
Min Deposit $45 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Premium Dividend Checking	0.035%	0.035%
Min Deposit $45 Min Balance $1,000 Details Balance: 1000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Premium Dividend Checking	0.025%	0.025%
Min Deposit $45 Min Balance $0 Details Balance: $0 - $999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Central State Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Dividend Checking	0.025%	0.025%
Min Deposit $45 Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Central State Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan: Model Year 2026	-	-	4.49%	Up to 84 months
Details As low as; Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty. To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less. * Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Used Auto Loan: Model Year 2018 and Newer	-	-	4.74%	Up to 84 months
Details Qualifications Required: 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less.; Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade, and Warranty. To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less. Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Used Auto Loan: Model Years 2015-2017	-	-	4.74%	Up to 66 months
Details Qualifications Required: 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less.; Maximum Total Advance up to 90% - Max LTV of MSRP of Retail KBB includes tax, license, Docs, Negative Trade and Warranty. Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Central State Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
New Boats & Recreational Vehicles Loan	-	8.50%	up to 180 months
Details Published APR range: 8.50% - 11.50%. Maximum loan amount $200,000; Financing up to 90% of purchase price, plus tax & license; Rates vary with amount financed, term and your credit history; Limited to boats larger than 12 feet and smaller than 30 feet; Purchase order must state "New" to be eligible for stated rate Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Central State Credit Union Credit Card Rates

Product	Rate	APR	View More
Mastercard - Secured	-	15.99%
Details No credit history. Credit line $250 - $2,500; Secured Mastercard requires 150% of the amount of line of credit to be pledged and maintained on deposit.; First Time Borrower (FTB) = Minimum 3 yr credit history; $500 Max. limit at Tier 5 Rate Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 15.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Central State Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	17.99%	up to 24 months
Details Must have time on job and demonstrate ability to repay. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 17.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Central State Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA Shares	0.035%	-	0.035%
Min Deposit $5 Min Balance $500 Details Balance: $500 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Planet M & Boom Accounts	0.05%	-	0.05%
Min Deposit $5 Min Balance $1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Share Plus Accounts	0.025%	-	0.025%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%
Share Plus Accounts	0.035%	-	0.035%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.44%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Central State Credit Union’s Texas Ratio fell from 2.09% in Q3 2023 to 1.44% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$258M	1.44%	5.0	A+
March 31, 2026	$255M	0.03%	5.0	A+
December 31, 2025	$229M	0.73%	5.0	A+
September 30, 2025	$230M	0.95%	5.0	A+
June 30, 2025	$234M	1.28%	5.0	A+
March 31, 2025	$239M	1.12%	5.0	A+
December 31, 2024	$235M	2.01%	5.0	A+
September 30, 2024	$236M	1.45%	5.0	A+
June 30, 2024	$236M	1.61%	5.0	A+
March 31, 2024	$236M	2.19%	5.0	A+
December 31, 2023	$229M	3.33%	5.0	A+
September 30, 2023	$231M	2.09%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 46

Part-Time Employees 4

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.44%

Return on Assets (ROA)

0.1409%

Return on Equity (ROE)

1.5636%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

258,228,439

Total Amount of Shares and Deposits

211,298,450

Total Shares and Deposits < 1 Year

210,589,032

Total Shares and Deposits 1 3 Years

630,964

Total Shares and Deposits > 3 Years

78,454

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

13,029,564

Total Uninsured Shares and Deposits > $250K (F+J)

13,029,564

Total Insured Shares and Deposits > $250K (item 17 less item K)

198,268,886

Total Interest Expense (Sum of items 6 8)

442,670

Share Certificates

268

Number of Accounts for Share Drafts

10,699

IRA KEOGH Accounts

306

Number of Accounts for Regular Shares

16,484

Non Member Deposits

Money Market Shares

357

Net Income (unless the amount is already included in Undivided Earnings)

363,813

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,542,154

Total Liabilities

242,782,900

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Central State Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Central State Credit Union

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

18-Month CD4.00%
24-Month CD2.40%
60-Month CD2.85%
MMA3.56%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Central State Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Central State Credit Union Texas Ratio

Central State Credit Union Health Trend

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Central State Credit Union Money Market Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Central State Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Central State Credit Union

How many branches does Central State Credit Union operate?

Is a member application needed to join Central State Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Central State Credit Union offer online and mobile banking?

Current Central State Credit Union Rates

Compare to Other Credit Unions