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 Central State Credit Union Rates & Review September 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.
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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 and Verified: August 31, 2026
Central State Credit Union's 60 Month CD rates are at 0.50%, 48 - 59 Month CD rates are at 0.40%, 36 - 47 Month CD rates are at 0.30%, 24 - 35 Month CD rates are at 0.17%, Planet M & Boom 180-Day CD rates are at 0.15%. Central State Credit Union's money market rates are at 0.50%. Central State Credit Union's Personal Loan Rates are at 10.99%. 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 0.03%. Rates last updated and verified on 08/31/2026. 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 Money Market Rates
Central State Credit Union Checking Rates
Central State Credit Union Home Equity & HELOC
Central State Credit Union Auto Loan Rates
Central State Credit Union Credit Card Rates
Central State Credit Union Personal Loan Rates
Financial Health HistoryCentral State Credit Union’s Texas Ratio fell from 1.07% in Q2 2023 to 0.03% in Q1 2026, so its financial health has improved and is now 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; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
47
Part-Time Employees
5
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
0.03%
Return on Assets (ROA)
-0.0064%
Return on Equity (ROE)
-0.0714%
Non-Performing Loans Ratio (NPL)
0.01%
Total Assets
255,164,599
Total Amount of Shares and Deposits
208,593,417
Total Shares and Deposits < 1 Year
206,931,790
Total Shares and Deposits 1 3 Years
1,542,347
Total Shares and Deposits > 3 Years
119,280
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,989,305
Total Uninsured Shares and Deposits > $250K (F+J)
13,989,305
Total Insured Shares and Deposits > $250K (item 17 less item K)
194,604,112
Total Interest Expense (Sum of items 6 8)
79,452
Share Certificates
113
Number of Accounts for Share Drafts
11,623
IRA KEOGH Accounts
313
Number of Accounts for Regular Shares
16,902
Non Member Deposits
4
Money Market Shares
363
Net Income (unless the amount is already included in Undivided Earnings)
-16,343
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)
6,754,345
Total Liabilities
240,131,474
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Central State Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Central State Credit Union
Frequently Asked Questions About Central State Credit UnionHow 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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