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Central State Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 26, 2026
Central State Credit Union's 18 Month New Money CD rates are at 4.25%, 60 Month CD rates are at 3.00%, 48 - 59 Month CD rates are at 2.85%, 36 - 47 Month CD rates are at 2.70%, 24 - 35 Month CD rates are at 2.65%. Central State Credit Union's money market rates are at 3.56%. Central State Credit Union's checking rates are as high as 0.04%. Central State Credit Union's Personal Loan Rates are as low as 10.99%. Central State Credit Union's Credit Card Rates are at 15.99%. 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 1.44%. Rates last updated and verified on 10/26/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Central State Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.44%
ExcellentLower than avg
Central State Credit Union Texas Ratio
Central State Credit Union's Texas Ratio is 1.44%, which is considered excellent and is lower than the national average of 6.13%.
Central State Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.09% to 1.44% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
18 Month New Money Certificate
4.17%
4.25%
18 months
Min Balance$100,000
DetailsCD Special; Balance: $100,000+
Last Updated10/26/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
18 Month New Money Certificate
4.07%
4.15%
18 months
Min Balance$50,000
DetailsCD Special; Balance: $50,000 - $99,999
Last Updated10/26/2026
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
18 Month New Money Certificate
3.93%
4.00%
18 months
Min Balance$1,000
DetailsCD Special; Balance: $1,000 - $49,999
Last Updated10/26/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
60 Month Certificate
2.96%
3.00%
60 months
Min Balance$1,000
DetailsRegular; Balance: $1,000 - $9,999
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
60 Month Certificate
2.96%
3.00%
60 months
Min Balance$10,000
DetailsPremium; Balance: $10,000 - $24,999
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
60 Month Certificate
2.96%
3.00%
60 months
Min Balance$25,000
DetailsPremium Plus; Balance: $25,000 - $49,999
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
60 Month Certificate
2.96%
3.00%
60 months
Min Balance$50,000
DetailsJumbo; Balance: $50,000 - $99,999
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
60 Month Certificate
2.96%
3.00%
60 months
Min Balance$100,000
DetailsJumbo Plus; Balance: $100,000 +
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 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
DetailsRegular; Balance: $1,000 - $9,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.85% APY · checked 5 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
DetailsPremium; Balance: $10,000 - $24,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.85% APY · checked 5 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
DetailsPremium Plus; Balance: $25,000 - $49,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.85% APY · checked 5 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
DetailsJumbo; Balance: $50,000 - $99,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.85% APY · checked 5 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
DetailsJumbo Plus; Balance: $100,000 +
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.85% APY · checked 5 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
DetailsRegular; Balance: $1,000 - $9,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.70% APY · checked 5 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
DetailsPremium; Balance: $10,000 - $24,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.70% APY · checked 5 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
DetailsPremium Plus; Balance: $25,000 - $49,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.70% APY · checked 5 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
DetailsJumbo; Balance: $50,000 - $99,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.70% APY · checked 5 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
DetailsJumbo Plus; Balance: $100,000 +
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.70% APY · checked 5 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
DetailsRegular; Balance: $1,000 - $9,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.65% APY · checked 5 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
DetailsPremium; Balance: $10,000 - $24,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.65% APY · checked 5 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
DetailsPremium Plus; Balance: $25,000 - $49,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.65% APY · checked 5 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
DetailsJumbo; Balance: $50,000 - $99,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.65% APY · checked 5 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
DetailsJumbo Plus; Balance: $100,000 +
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.65% APY · checked 5 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
DetailsRegular; Balance: $1,000 - $9,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.40% APY · checked 5 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
DetailsPremium; Balance: $10,000 - $24,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.40% APY · checked 5 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
DetailsPremium Plus; Balance: $25,000 - $49,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.40% APY · checked 5 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
DetailsJumbo; Balance: $50,000 - $99,999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.40% APY · checked 5 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
DetailsJumbo Plus; Balance: $100,000 +
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 2.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
6 Month Certificate
1.903%
1.92%
6 months
Min Balance$1,000
DetailsRegular; Balance: $1,000 - $9,999
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 1.92% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
6 Month Certificate
1.903%
1.92%
6 months
Min Balance$10,000
DetailsPremium; Balance: $10,000 - $24,999
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 1.92% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
6 Month Certificate
1.903%
1.92%
6 months
Min Balance$25,000
DetailsPremium Plus; Balance: $25,000 - $49,999
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 1.92% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
6 Month Certificate
1.903%
1.92%
6 months
Min Balance$50,000
DetailsJumbo; Balance: $50,000 - $99,999
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 1.92% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
6 Month Certificate
1.903%
1.92%
6 months
Min Balance$100,000
DetailsJumbo Plus; Balance: $100,000 +
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 1.92% APY · checked 9 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 days
Min Balance$500
DetailsYouth Certificate; Balance: $500 - $999
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 0.15% APY · checked 5 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 days
Min Balance$1,000
DetailsYouth Certificate; Balance: $1,000 & Above
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Central State Credit Union Savings Rates
Product
Rate
APY
View More
Holiday Club Accounts
0.05%
0.05%
Min Deposit$5
Min Balance$100
DetailsRate Type: Variable
Last Updated10/26/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
IRA Shares
0.035%
0.035%
Min Deposit$5
Min Balance$500
DetailsBalance: $500 & Above; Rate Type: Variable
Last Updated10/26/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 10 times
No change since Sep 14, 2026 · 0.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Central State Credit Union Checking Rates
Product
Rate
APY
View More
50+ Dividend Checking
0.035%
0.035%
Min Deposit$45
Min Balance$0
DetailsRate Type: Variable
Last Updated10/26/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 10 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
DetailsRate Type: Variable
Last Updated10/26/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 10 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
DetailsBalance: 1000+; Rate Type: Variable
Last Updated10/26/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 10 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
DetailsBalance: $0 - $999; Rate Type: Variable
Last Updated10/26/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 10 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
DetailsBalance: 1000+; Rate Type: Variable
Last Updated10/26/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 10 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
View More
New Vehicle Loan: Model Year 2026
-
-
4.49%
Up to 84 months
DetailsAs Low As; Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty; To qualify: 12 months of paid-as-agreed credit repayment history with the CU plus auto debit/payment and/or ACH credit monthly, OR LTV of 80% or less; Rates vary with amount financed, term and credit history; 90-day deferral of first payment available (1, 2, and 3 Tiers only)
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 4.49% APR · checked 5 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
DetailsAs Low As; Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade, and Warranty; To qualify: 12 months of paid-as-agreed credit repayment history with the CU plus auto debit/payment and/or ACH credit monthly, OR LTV of 80% or less; Rates vary with amount financed, term and credit history; 90-day deferral of first payment available (1, 2, and 3 Tiers only)
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 4.74% APR · checked 5 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
DetailsAs Low As; Model Years 2015-2017; Maximum Total Advance up to 90% - Max LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty; To qualify: 12 months paid-as-agreed credit history with the CU plus auto debit/payment and/or ACH credit monthly, OR LTV of 80% or less; Rates vary with amount financed, term and credit history; 90-day deferral of first payment available (1, 2, and 3 Tiers only)
Last Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 4.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Motorcycle, Jet Ski & All Terrain Vehicles Loan
-
-
9.50%
Up to 72 months
DetailsRate range 9.50%* - 12.60%*; Financing up to 90% of purchase price, plus tax & license; New = Never titled & less than 1,000 miles; Used = Previously titled or over 1,000 miles. Add 0.50% to rate; Must provide full insurance coverage; Rates vary with amount financed, term and your credit history
Last Updated10/26/2026
Rate History
No change since Oct 19, 2026 · 9.50% APR · checked 2 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
DetailsAPR 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 Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 8.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Used Boats & Recreational Vehicles Loan
-
9.50%
Up to 180 months
DetailsRate range 9.50% - 12.50%; Terms up to 180 months; Financing up to 90% of purchase price, plus tax & license, or 100% of wholesale price as indicated in the NADA Book, whichever is less; Private party sales may require outside appraisal; Rates vary with amount financed, term and credit history; Limited to boats larger than 12 feet and smaller than 30 feet; Maximum loan amount of $150,000
Last Updated10/26/2026
Rate History
No change since Oct 19, 2026 · 9.50% APR · checked 2 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%
DetailsNo 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 Updated10/26/2026
Rate History
No change since Oct 9, 2026 · 15.99% APR · checked 5 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
10.99%
Up to 60 months
DetailsLoan amounts up to $25,000; APR range 10.99% - 17.99%; Rates vary with amount financed, term, and credit history
Last Updated10/26/2026
Rate History
No change since Oct 19, 2026 · 10.99% APR · checked 2 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
Term
View More
Starter Loan
-
-
17.99%
Up to 24 months
DetailsLoan amount $500-$1000; to build or establish credit history; Must have time on job and demonstrate ability to repay.
Last Updated10/26/2026
Rate History
No change since Oct 19, 2026 · 17.99% APR · checked 2 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
DetailsRate Type: Variable
Last Updated10/26/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
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.
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
18
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
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.
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Frequently Asked Questions About Central State Credit Union
Does Central State Credit Union offer CDs?
Yes. Central State Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 26, 2026 include 4.25% APY on its 18 Month New Money CD, 3.00% APY on its 60 Month CD and 2.85% APY on its 48 - 59 Month CD.
Are CDs from Central State Credit Union NCUA insured?
Yes. Central State Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Central State Credit Union?
The highest CD rate MonitorBankRates has verified for Central State Credit Union is 4.25% APY on its 18 Month New Money CD, as of October 26, 2026.
What CD terms does Central State Credit Union offer?
The Central State Credit Union CD terms MonitorBankRates tracks include 18 month, 2 year, 35 month, 47 month, 59 month and 5 year terms, with rates from 2.65% to 4.25% APY. The institution may offer other terms or specials that are not listed here, so check with Central State Credit Union for its full lineup.
What is the highest money market rate at Central State Credit Union?
The highest money market rate MonitorBankRates has verified for Central State Credit Union is 3.56% APY on its Business Money Market - Relationship, as of October 26, 2026.
What is the highest checking rate at Central State Credit Union?
The highest checking rate MonitorBankRates has verified for Central State Credit Union is 0.035% APY on its 50+ Dividend Checking, as of October 26, 2026.
What is the lowest auto loan rate at Central State Credit Union?
The lowest auto loan rate MonitorBankRates has verified for Central State Credit Union is 4.49% APR on its New Vehicle Loan: Model Year 2026, as of October 26, 2026.
What is the lowest personal loan rate at Central State Credit Union?
The lowest personal loan rate MonitorBankRates has verified for Central State Credit Union is 10.99% APR on its Signature Loan, as of October 26, 2026.
What is the lowest credit card APR at Central State Credit Union?
The lowest credit card rate MonitorBankRates has verified for Central State Credit Union is 15.99% APR on its Mastercard - Secured Credit Card, as of October 26, 2026.
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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Central State Credit Union rates compare?
Central State Credit Union's top rates are 4.25% APY on its 18 Month New Money CD, 3.56% APY on its Business Money Market - Relationship, 0.035% APY on its 50+ Dividend Checking, 10.99% APR on its Signature Loan and 15.99% APR on its Mastercard - Secured Credit Card, verified by MonitorBankRates on October 26, 2026.
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.
Brian McKay
