Central State Credit Union was established in 1936, providing low-cost financial services to state employees in San Joaquin, Stanislaus, Tuolumne, Amador, Solano, Alpine, Merced and Mariposa counties. Today, we are a Community credit union. If you live, work or worship in San Joaquin, Stanislaus, Tuolumne, Amador or Calaveras Counties you can become a member of CSCU.

CSCU serves over 20,000 members and has over $140 million in assets. We invite you to review our most recent annual report. Central State is proud to provide a full complement of quality financial products. As a member, you have access to the finest savings and investment products and the best in consumer and real estate loans.

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Services

Checking Central

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At CSCU, we know your checking account is central to your day-to-day finances. That's why we pack our checking accounts with loads of FREE standard benefits to make your life easier. Choose from Premium Dividend Checking, 50+ Dividend Checking, Direct Dividend Checking and Absolutely Free Checking!

Savings Central

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Make the most of your money with safe and secure savings options at CSCU. Your deposits are insured up to $250,000 by the NCUA and backed by the full faith and credit of the United States government. Individual Retirement Accounts (IRAs) are insured separately up to an additional $250,000 by NCUA.

College Services

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Length of employment - 1 year Continuous Employment with no gaps & Proof of Income (POI) Required. Credit History - A minimum of two open trades required - (one trade for a minimum of 12 months). NO derogatory (bad) credit history. Purchasing a used vehicle from a private party? All loans are subject to approval.

Auto Loans

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New and used vehicle financing up to 120% of MSRP/Retail KBB including Tax, License, Doc, Negative Trade, plus Back End Advances, plus GAP (within guidelines). New & Used Boats & RV's - Low Rates and Terms up to 180 months, Financing on New Boats & RV's up to 90% of Purchase Price plus tax & license.

Home Loans

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Whether you are buying a new home or refinancing your current home, our knowledgeable home loan professionals have a loan to fit your needs. Choose from a variety of home loans with competitive rates and low closing costs. The TruStage Auto & Home Insurance Program provides affordable top-quality protection.

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