Central State Credit Union
Headquarters
919 N Center St
Stockton, CA 95202
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2024 Overview
General Credit Union Information
Central State is an NCUA insured institution located in Stockton, CA. It was founded in 1936 and has approximately $235.84 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60363 |
| Date Established | 1936 |
| Assets | $235.84 million |
| Loans | $73.38 million |
| Deposits | $225.98 million |
| Capital | $22.09 million |
Field of Membership Restrictions
Central State CU is open to all the current state employees, residents, people that maintain employment, and the people that attend church in these California Counties; San Joaquin, Stanislaus, Tuolumne, Amador, and Calaveras, with the membership eligible counties for the state employees extending to include the counties of Solana, Alpine, Merced, and Mariposa. CU also extends to include your family members or covers you if you are a family member of a current CU member.
Deposit Rates - December 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.05% | $10,000 | $14,999 |
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|
|
Money Market
|
0.07% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | $99 | Learn More |
| Int Ckg
|
0.07% | $2,500 | $3,499 | Learn More |
Loan Rates - December 23, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Central State
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.960% | 6.875% | 0.63 | $2,764 | $2,103 | Learn More |
NMLS ID: 2592312 License#: RM.805266.000 |
6.966% | 6.875% | 0.50 | $3,145 | $2,103 | Learn More |
NMLS ID: 3030 |
7.338% | 7.250% | 0.88 | $2,800 | $2,183 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
Learn More
More Info |
Note to Central State
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Branches
Below are Central State branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Central State Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 2000.85 | A | View Lobby Hours | |
| 2034.30 | B | View Lobby Hours | |
| 2034.35 | C | View Lobby Hours | |
| 2034.76 | D | View Lobby Hours |
Climate Policy and Initiatives
CENTRAL STATE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Central State Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Central State. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Central State | U.S. Average |
|---|---|
| 2.69% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Central State had $576,917 in non-current loans and $37,249 in owned assets. To cover these potential losses it had $22,085,383 in net worth and $745,060 in loans loss reserves. That gives it a Texas Ratio of 2.69%.
Net Worth
| Central State | U.S. Average |
|---|---|
| 9.36% | 13.93% |
Central State FCU has a net worth of 9.36% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Central State
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