Central State Credit Union

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A short history of Central State CU

Since its inception in 1936 the Central State Credit Union has been serving its members in the STOCKTON, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by David Silvestri, the Central State CU has grown its membership to over 23,229 with assets of more than $187,538,498. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (209) 444-5300 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in STOCKTON, CA.

General Information For Central State CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 60363
Address 919 N CENTER ST 
State California 
Zip-Code 95202
Phone Number (209) 444-5300
Fax Number (209) 444-5373
Email Address: none
CEO/President David Silvestri
Members 23,229 
Full-Time Employees 50 
Part-Time Employees
Number of Branch Offices
Total Assets 187,538,498 
Website http://www.centralstatecu.org 

Compare Central State Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Financial Center CU Ben Holt Office 435 W Benjamin Holt Dr 95208 (209) 948-6024 No 0.58
Allied Trades CU Stockton 2131 W March Ln 95267 (209) 235-9119 No 3.07
Stockton Community CU Main Office 167 N HUNTER ST 95201 (209) 933-9275 No 4.29
Premier Community CU Administration 3315 W Benjamin Holt Dr 95219 (209) 235-1100 No 4.91
Golden Valley CU Golden Valley Federal Credit Union 409 W Center St 95336 (209) 825-5878 No 11.69

Central State Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Central State Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.99 4.19 4.29 6.00 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 340 304 238 373 100
Rank Among All California Credit Unions 76 115 100 114 24

Central State Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.11 0.26 0.67 0.15
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 126 104 231 276
Rank Among All California Credit Unions N/A 36 29 63 86
Central State Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.9903,2017,639,492
All Other Unsecured Loans/Lines of Credit 12.9901,1381,972,835
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.1901,11128,188,725
Used Vehicle Loans 4.2903,08443,223,931
Total 1st Mortgage Real Estate Loans/Lines of Credit 6.00013421,599,327
Total Other Real Estate Loans/Lines of Credit 4.0001082,001,854
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.7502442,408,559
TOTAL LOANS & LEASES 9,020107,034,723

Central State Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 777,299,2565792,270
    b. 15 Years or less 10953,22000
    a. > 15 years 289,952,9663745,000
    b. 15 Years or less 193,393,8851300,000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 771,351,70800
Open-End Fixed Rate 31650,14600
TOTALS 24223,601,18191,837,270


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Central State Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes