Credit union · NCUA insured
Central State Credit Union Credit Card Rates
Central State Credit Union credit cards start at 12.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Central State Credit Union’s credit card rates compare
Compared with banks and credit unions near Stockton, CA, where Central State Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Central State Credit Union
12.99%APR
- Up to
- 17.99% APR
CSCU Mastercard
Lowest rate
Certified Federal Credit Union
8.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Golden Valley Federal Credit Union
9.99%APR
- Up to
- —
Central State Credit Union credit card score
67
Credit card score
Higher than 18% of U.S. banks and credit unions
- Purchase APRPurchase APR12.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central State Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
CSCU Mastercard
Rates vary with amount financed, term, and credit history. Credit lines vary from $300 to $25,000. 25-day grace period on purchases. Available to members who live, work, or worship in San Joaquin, Stanislaus, Tuolumne, Amador, or Calaveras Counties.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99%–17.99% | None | Rates vary with amount financed, term, and credit history. Limits from $300.00 to $25,000. 25-day grace period on purchases. |
CSCU Secured Mastercard
Requires 150% of the credit line amount pledged and maintained on deposit. Credit lines vary from $250 up to $2,500 ($500 maximum limit at Tier 5 rate for First Time Borrower with minimum 3-year credit history). Available to members who live, work, or worship in San Joaquin, Stanislaus, Tuolumne, Amador, or Calaveras Counties.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.99% | None | Credit line $250 - $2,500. Requires 150% of credit line amount to be pledged and maintained on deposit. First Time Borrower (minimum 3 yr credit history) has $500 maximum limit at Tier 5 Rate. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.