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Central State Credit Union Share
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Overview Share
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Central State Credit Union is a federally insured state credit union based in Stockton, California. It has been opened since 1936, for 86 years.

With around $199,100,000 in assets, Central State Credit Union is considered to be a very large credit union. It has 4 branches and 4 ATM locations.

About Share
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Address 919 North Center Street
Stockton, California 95202
Website http://www.centralstatecu.org
Phone (209) 444-5300
Fax (209) 444-5373
CEO Jim Carlin
President of the Board James Kiefer
Services Offered
Score Card Share
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86 years
Years in business
Opened in 1936
Well Capitalized
Net worth classification
Source: NCUA
24,410 members
Membership type: State chartered natural person credit union
Above average number of members
498:1
Credit union member to staff ratio
498 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$199,102,756
Total assets
Above average
4 branches
Compared with an average of 4 nationally and 5 in California
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
7.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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4 branches
Compared with an average of 4 nationally and 5 in California
Above average number of branches
Central State Credit Union Branch Locations

Central State Credit Union: Lodi's Branch
363 S. Lower Sacramento Road
Lodi, California 95242
ATM Available
Central State Credit Union: El Dorado's Branch
5242 North El Dorado Street
Stockton, California 95207
ATM Available
Central State Credit Union: San Andreas Branch
462 W. Saint Charles Street
San Andreas, California 95249
ATM Available
Central State Credit Union: Main Branch
919 North Center Street
Stockton, California 95202
ATM Available
Members Share
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24,410 members
Membership type: State chartered natural person credit union
Above average number of members

With 24,410 members, the Central State Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 84% of credit unions.

Fees Share
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$90
Average fee per member
The average fee per member at the Central State Credit Union is $90, which is high compared to most credit unions. This rate is higher than 80% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Central State Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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498:1
Credit union member to staff ratio
498 per each FTE employee
Compared to 411:1 nationally
Fewer staff
49 staff members
FTE (full-time equivalent)
25% of employees are part-time
42 full-time, 14 part-time

Central State Credit Union has 42 full-time staff members and 14 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 75% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Central State Credit Union has around 498 members per staff, a higher ratio compared to other credit unions.

Assets Share
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$199,102,756
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
8.1%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$11,331
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 60% of credit unions.

Central State Credit Union holds a total of $111,470,000 in loans and leases, which is about $11,331 per member on average.

Savings interest rate Share
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Central State Credit Union pays 0.10%.

Loan rates Share
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7.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.99%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.99%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.10%
New car loan rate
Compared to 4.0% nationally
4.20%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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6.28%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
6.28%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Central State Credit Union: El Dorado's Branch ATM
Credit Union ATM: 5242 North El Dorado Street
Stockton, California 95207
Central State Credit Union: Lodi's Branch ATM
Credit Union ATM: 363 S. Lower Sacramento Road
Lodi, California 95242
Central State Credit Union: Main Branch
Credit Union Branch: 919 North Center Street
Stockton, California 95202 ATM Available
Central State Credit Union: El Dorado's Branch
Credit Union Branch: 5242 North El Dorado Street
Stockton, California 95207 ATM Available
Central State Credit Union: Lodi's Branch
Credit Union Branch: 363 S. Lower Sacramento Road
Lodi, California 95242 ATM Available
Central State Credit Union: San Andreas Branch ATM
Credit Union ATM: 462 W. Saint Charles Street
San Andreas, California 95249
Central State Credit Union: San Andreas Branch
Credit Union Branch: 462 W. Saint Charles Street
San Andreas, California 95249 ATM Available
Central State Credit Union: Main Branch ATM
Credit Union ATM: 919 North Center Street
Stockton, California 95202
Central State Credit Union
Credit Union: Well Capitalized Stockton, California 24410.0 $199 million Well Capitalized