Credit union · NCUA insured
Central State Credit Union
A $255.2M credit union headquartered in Stockton, CA, with 14,221 members and 4 branches in California. Best rates: CDs 4.25% and savings 0.03% APY.
Central State Credit Union Carrot Score
83
Carrot Score
Higher than 64% of U.S. banks and credit unions
#5 of 18 in Stockton, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Central State Credit Union
Central State Credit Union was established in 1936 to provide low-cost financial services to state employees across eight Northern California counties.
Today, it operates as a community credit union serving five Northern California counties.
- Headquarters
- 919 N Center St, Stockton, CA 95202
- NCUA charter
- 60363
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in San Joaquin, Stanislaus, Tuolumne, Amador, or Calaveras Counties qualify for membership.
Military, government and schools
- State employees in San Joaquin, Stanislaus, Tuolumne, Amador, Solano, Alpine, Merced, Mariposa, or Calaveras Counties qualify for membership.
Family and household
- Relatives of members are eligible to join Central State Credit Union.
Cost to join
- A minimum opening deposit of $5 is required to open a CSCU savings account.
Branches
4 branches in California
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California
4 branches
Stockton area · 3
- Main BranchMain office919 N Center St, Stockton, CA 95202Directions
- Lodi's Branch363 S Lower Sacramento Rd, Lodi, CA 95242Directions
- El Dorado's Branch5242 N El Dorado St, Stockton, CA 95207Directions
San Andreas area · 1
- San Andreas Branch462 Saint Charles St, San Andreas, CA 95249Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.01% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.40% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.30% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $41 | $76 | — |
- CapitalNet worth ratio9.01%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.40%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.30%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$41Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Central State Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.