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Central State

919 N Center St, Stockton, CA 95202
NCUA Insured3.5 (38 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

919 N Center St

Stockton, CA 95202

Service Area

This credit union is located in Stockton and serves members in the CA area. Currently serving 14,357 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.74%

Used Auto Loan

6.99%

Personal Loan

11.99%

Credit Card APR

12.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

3.5

38 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
S. Richardson

S. Richardson

5 years ago

Great place! I opened an account here to re-establish my credit during my divorce 12 years ago. After 3 years of paying on my share secured loans, I was able to buy a house. A few years later, I was able to finance a vehicle and obtain their awesome fixed rate credit card. Reestablishing credit takes time, and along the way the staff and the management were very helpful and personable. I appreciate this credit union and their helpfulness.

Dani Salguero

Dani Salguero

2 years ago

This place SUCKS. All the little signs and notices they tape to their walls, surfaces, and appliances will warn you to stay away. Went here because supposedly it’s a Venmo surcharge-free ATM for transacting with the Venmo card. But it wanted to charge a fee, according to their notice on-screen. Credit unions used to be good. This place must be run by very dense individuals or bureaucracy.

Christa Zwinge

Christa Zwinge

2 years ago

Can't get anyone on the phone about fixing the issue with being able to login online. Phone robot tells me "we are experiencing technical difficulties" then hangs up on me. I don't live in Stockton or Lodi. It's very inconvenient for me to go to a bank location. PLEASE FIX THIS.

Vincent Saldana

Vincent Saldana

3 months ago

Always helpful and quick transactions

Lion Heart

Lion Heart

4 years ago

This is aimed at the leaders of this institution. How is it that when ever i have login issues you do not have a human to answer the phones. You can not help me if i can not communicate with you. This os not the first experience by a long shot and if its not remedied i will transfer to a more competent financial institution. This os a leadership issue not am employee issue so i am holding you responsible.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).