Credit union · NCUA insured
Central State Credit Union Savings Rates
Central State Credit Union’s best savings rate is 0.03% APY on $10,000, with its Regular Share Accounts. Rates checked October 16, 2026.
How Central State Credit Union’s savings 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
0.75%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $75
Premier Money Market
Top rate
Valley Strong Credit Union
3.25%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $325
2nd-highest rate
Citi
3.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $300
Central State Credit Union savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0002.02%
- QualifiedQualified0.75%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premier Money Market
Up to 0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $50,000Relationship Rate | 0.75% | $75 | Relationship Rate |
| $10,000 – $50,000Base Rate | 0.50% | $50 | Base Rate |
| $50,000 – $100,000Relationship Rate | 1.26% | — | Relationship Rate |
| $50,000 – $100,000Base Rate | 1.00% | — | Base Rate |
| $100,000 – $200,000Relationship Rate | 2.27% | — | Relationship Rate |
| $100,000 – $200,000Base Rate | 2.02% | — | Base Rate |
| $200,000 – $300,000Relationship Rate | 3.30% | — | Relationship Rate |
| $200,000 – $300,000Base Rate | 3.04% | — | Base Rate |
| $300,000 and upRelationship Rate | 3.56% | — | Relationship Rate |
| $300,000 and upBase Rate | 3.30% | — | Base Rate |
Sources (1)
- centralstatecu.org/rates · captured Sep 16, 2026
Regular Share Accounts
0.03%APY
Variable rate. A minimum average daily balance of $500 must be maintained to earn dividends. Available to member-owners living, working, or worshipping in qualifying counties.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $49,999Base dividend rate and APY for balances between $500 and $49,999. | 0.03% | $3 | Base dividend rate and APY for balances between $500 and $49,999. |
| $50,000 and upBase dividend rate and APY for balances $50,000 and above. | 0.04% | — | Base dividend rate and APY for balances $50,000 and above. |
Sources (3)
All captured Sep 16, 2026
Share Plus Accounts
Up to 0.04%APY
Variable rate. A minimum average daily balance of $2,500 must be maintained to earn dividends and avoid monthly service fee. Up to 3 withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Base dividend rate and APY for balances between $2,500 and $9,999. Rate schedule states $2,500 minimum opening deposit ($5 on marketing page). | 0.03% | — | Base dividend rate and APY for balances between $2,500 and $9,999. Rate schedule states $2,500 minimum opening deposit ($5 on marketing page). |
| $25,000 and upBase dividend rate and APY for balances $25,000 and above. | 0.04% | — | Base dividend rate and APY for balances $25,000 and above. |
Sources (3)
All captured Sep 16, 2026
Special-purpose accounts
Holiday Club Accounts
0.05%APY
Variable rate. No minimum balance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 to earn dividends per rate schedule (overview notes minimum average daily balance of $500).$100 and up | 0.05% | $5 | Minimum $100 to earn dividends per rate schedule (overview notes minimum average daily balance of $500). |
Sources (3)
All captured Sep 16, 2026
Planet M & Boom Accounts
0.05%APY
Variable rate for youth/pre-teen members (Planet M through age 12). No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum $1 to earn dividends.$1 and up | 0.05% | $5 | Minimum $1 to earn dividends. |
Sources (3)
All captured Sep 16, 2026
IRA Shares
0.04%APY
Minimum opening deposit $5. Minimum average daily balance $500 to earn dividends. Traditional/Roth/SEP tax labels are wrappers within one IRA product unless distinct account terms are stated.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upTier balance: $500 & Above$500 and up | 0.04% | $4 | Tier balance: $500 & Above |
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.