Credit union · NCUA insured
Central State Credit Union CD Rates
Central State Credit Union’s best CD rate is 4.25% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Central State Credit Union’s CD rates compare
Compared with banks and credit unions near Stockton, CA, where Central State Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Central State Credit Union
4.00%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $606
18 Month New Money Certificate
Top rate
UNCLE Credit Union
4.33%APY
- Term
- 12 months
- Minimum
- $1,500
- Earns on $10,000
- $433
2nd-highest rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $321
Central State Credit Union CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo1.92%
- 9–15 months9–15 mo2.40%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Central State Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
18 Month New Money Certificate
4.00%APY · 1 term
Requires new money deposit. Early withdrawal penalty may apply.
| Term | APY · $1,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 18 monthsNew money requirement | 4.00% | 4.15% | 4.25% | 4.00%4.15% $50k–$100k4.25% from $100k | $606 |
Sources (1)
- centralstatecu.org/rates · captured Sep 16, 2026
Share Certificates
Up to 3.00%APY · 6 terms
Early withdrawal penalty may apply. Balances of $1,000 or more required to open and earn dividends.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $24,999 | APY · $25,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | 1.92% | 1.92% | 1.92% | 1.92% | 1.92% | 1.92%1.92% $1k–$10k1.92% $25k–$50k1.92% $50k–$100k1.92% from $100k | $96 |
| 12–23 months | 2.40% | 2.40% | 2.40% | 2.40% | 2.40% | 2.40%2.40% $1k–$10k2.40% $25k–$50k2.40% $50k–$100k2.40% from $100k | $240 |
| 24–35 months | 2.65% | 2.65% | 2.65% | 2.65% | 2.65% | 2.65%2.65% $1k–$10k2.65% $25k–$50k2.65% $50k–$100k2.65% from $100k | $537 |
| 36–47 months | 2.70% | 2.70% | 2.70% | 2.70% | 2.70% | 2.70%2.70% $1k–$10k2.70% $25k–$50k2.70% $50k–$100k2.70% from $100k | $832 |
| 48–59 months | 2.85% | 2.85% | 2.85% | 2.85% | 2.85% | 2.85%2.85% $1k–$10k2.85% $25k–$50k2.85% $50k–$100k2.85% from $100k | $1,190 |
| 60 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% $1k–$10k3.00% $25k–$50k3.00% $50k–$100k3.00% from $100k | $1,593 |
Sources (1)
- centralstatecu.org/rates · captured Sep 16, 2026
Special-purpose accounts
IRA Certificates
Up to 3.00%APY · 6 terms
Early withdrawal penalty may apply. Balances of $1,000 or more required to open and earn dividends. Individual Retirement Accounts (IRAs) are insured separately up to an additional $250,000 by NCUA.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $24,999 | APY · $25,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | 1.92% | 1.92% | 1.92% | 1.92% | 1.92% | 1.92%1.92% $1k–$10k1.92% $25k–$50k1.92% $50k–$100k1.92% from $100k | $96 |
| 12–23 months | 2.40% | 2.40% | 2.40% | 2.40% | 2.40% | 2.40%2.40% $1k–$10k2.40% $25k–$50k2.40% $50k–$100k2.40% from $100k | $240 |
| 24–35 months | 2.65% | 2.65% | 2.65% | 2.65% | 2.65% | 2.65%2.65% $1k–$10k2.65% $25k–$50k2.65% $50k–$100k2.65% from $100k | $537 |
| 36–47 months | 2.70% | 2.70% | 2.70% | 2.70% | 2.70% | 2.70%2.70% $1k–$10k2.70% $25k–$50k2.70% $50k–$100k2.70% from $100k | $832 |
| 48–59 months | 2.85% | 2.85% | 2.85% | 2.85% | 2.85% | 2.85%2.85% $1k–$10k2.85% $25k–$50k2.85% $50k–$100k2.85% from $100k | $1,190 |
| 60 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% $1k–$10k3.00% $25k–$50k3.00% $50k–$100k3.00% from $100k | $1,593 |
Sources (2)
All captured Sep 16, 2026
Planet M & Boom 180 Day Certificate
0.15%APY · 1 term
For members up to age 18. Maximum deposit of $5,000. Early withdrawal penalty may apply.
| Term | APY · $500 – $999 | APY · $1,000 – $5,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsFor members up to age 18; maximum deposit of $5,000 | 0.15% | 0.15% | —0.15% $500–$9990.15% $1k–$5k | — |
Sources (1)
- centralstatecu.org/rates · captured Sep 16, 2026
Who can join Central State Credit Union
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.
Membership information collected October 5, 2026.