Central State


919 N Center St
Stockton, CA 95202
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.30% 0.70% →
2-Year CD 0.40% 0.75% →
5-Year CD 0.90% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Central State is an NCUA insured institution located in Stockton, CA. It was founded in 1936 and has approximately $243.07 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 60363
Date Established 1936
Assets $243.07 million
Loans $69.60 million
Deposits $223.88 million
Capital $19.05 million

Field of Membership Restrictions

Central State CU is open to all the current state employees, residents, people that maintain employment, and the people that attend church in these California Counties; San Joaquin, Stanislaus, Tuolumne, Amador, and Calaveras, with the membership eligible counties for the state employees extending to include the counties of Solana, Alpine, Merced, and Mariposa. CU also extends to include your family members or covers you if you are a family member of a current CU member.

Deposit Rates - August 3, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.07% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.30% $100,000 $199,999 Learn More
18 Mo CD
0.25% $10,000 $14,999 Learn More
18 Mo CD
0.30% $100,000 $199,999 Learn More
24 Mo CD
0.35% $10,000 $14,999 Learn More
24 Mo CD
0.40% $100,000 $199,999 Learn More
30 Mo CD
0.35% $10,000 $14,999 Learn More
30 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More
48 Mo CD
0.65% $10,000 $14,999 Learn More
48 Mo CD
0.65% $100,000 $199,999 Learn More
60 Mo CD
0.90% $10,000 $14,999 Learn More
60 Mo CD
0.90% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.07% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 3, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for CENTRAL STATE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.455% 2.375% 0.63 $2,650 $972 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Central State branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Central State Locations

Financial Details

Central State Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Central State. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Central State U.S. Average
1.93% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, Central State had $381,208 in non-current loans and $12,835 in owned assets. To cover these potential losses it had $19,050,869 in net worth and $1,408,609 in loans loss reserves. That gives it a Texas Ratio of 1.93%.

Net Worth
Central State U.S. Average
7.83% 12.20%

Central State FCU has a net worth of 7.83% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Central State

Branches and Savings

What is Central State?

A credit union, registered with the NCUA under certificate #60363.
Learn more about credit unions here.

Is Central State FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Central State is insured by the NCUA.

Who can join Central State?

Please see Field of Membership information above for information on who is eligible to join.

What are Central State's share account and share certificate rates?

Central State's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Central State?

Central State has total capital of $19.05 million. Full information on Central State's financial position is located above.

Who owns Central State?

Credit Unions are owned by their members.

Where are Central State branches located?

See branch locations nearby.

Are Central State ATMs Open 24/7?

Do Central State ATMs accept cash deposits?

Can Central State customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Central State have a mobile app?

Does Central State have mobile deposit?

Does Central State have quick pay?

How can Central State transfer money to other banks or credit unions?

Does Central State report to credit bureaus?

Does Central State use Chexsystems?

Does Central State use Equifax?

What is Central State's toll free phone number?

What is Central State's ACH Routing Number?

What is Central State's SWIFT code?

Where can I find Central State's wire transfer form?

What is the Central State address for deposits?

What Products Does Central State Offer

Does Central State offer mortgages?

Compare mortgage rates here.

Does Central State offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Central State offer auto and RV loans?

Compare auto loan rates here.

Does Central State offer student loans or personal loans?

Compare personal loan rates here.

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