CENTRAL STATE

919 N CENTER ST
Stockton, CA 95202

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 60363
Date Established 1936
Assets $201.92 million
Loans $107.55 million
Deposits $184.57 million
Capital $16.49 million

Central State is an NCUA insured institution located in Stockton, CA. It was founded in 1936 and has approximately $201.92 millions in assets.

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 - September 14, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $99,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.40% $1,000 $9,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
0.40% $10,000 $24,999 Learn MoreShow Less
12 Mo CD
0.50% $100,000 - Learn MoreShow Less
24 Mo CD
0.60% $10,000 $24,999 Learn MoreShow Less
24 Mo CD
0.70% $100,000 - Learn MoreShow Less
30 Mo CD
0.60% $10,000 $24,999 Learn MoreShow Less
36 Mo CD
0.95% $10,000 $24,999 Learn MoreShow Less
48 Mo CD
1.20% $10,000 $24,999 Learn MoreShow Less
60 Mo CD
1.50% $10,000 $24,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $500 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.10% $1 $999 Learn MoreShow Less
Int Ckg
0.10% $1,000 - Learn MoreShow Less

Loan Rates - September 14, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

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



Branches

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.

Your Location:
Ashburn,Virginia


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
2.96% 6.77

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, 2019, Central State had $414,382 in non-current loans and $117,967 in owned assets. To cover these potential losses it had $16,494,822 in net worth and $1,518,778 in loans loss reserves. That gives it a Texas Ratio of 2.96%.

Net Worth
Central State U.S. Average
8.16% 13.47%

Central State FCU has a net worth of 8.16% versus the BestCashCow average of 13.47. 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 federal 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. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

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 $16.49 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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