Welcome to central-state, a trusted financial institution that has proudly served its members since 1936. Located in the heart of Stockton, CA, we are dedicated to empowering our community through a wide range of financial services designed with you in mind. Under the leadership of CEO Anna Lo and Board President Linda Frontz, we uphold our mission to provide exceptional service while prioritizing the financial well-being of our members.

At central-state, we believe in modern banking solutions that enhance your experience. Our offerings include online banking, a convenient mobile application, and person-to-person transfer capabilities, ensuring that managing your finances is both easy and secure. We are proud to be NCUA-insured since 5/25/1971 0:00, reflecting our commitment to safeguarding your funds. With additional features such as e-statements and flexible options for transactions, we strive to create an accessible banking environment tailored to meet your needs. For more information, visit us at https://www.centralstatecu.org/ or contact us via fax at (209) 444-5372. Join us at central-state where trust and member-first service come together for a brighter financial future.

At central-state, we pride ourselves on offering a comprehensive suite of financial services designed to meet the diverse needs of our members. Our offerings range from personal banking solutions, such as checking and savings accounts, to specialized services like auto loans and vehicle financing. Whether you are looking to refinance your mortgage, consolidate personal loans, or explore rewarding credit card options, we have you covered. For small business owners, our merchant services and business loans are tailored to help you grow your enterprise effectively. With our commitment to providing convenient banking experiences, we also offer robust online banking features that allow members to manage their finances effortlessly.

In today’s fast-paced world, access to digital tools is essential for managing everyday banking needs and planning for significant life milestones. At central-state, our mobile application enables easy access to your accounts anytime, anywhere. Members can enjoy features like Person-to-Person transfers and e-statements that simplify transactions and enhance financial management. While we currently do not offer electronic signatures or mobile payments, our online platform is user-friendly and designed with security in mind. If you're considering joining us or need assistance exploring your options, visit to learn about membership qualifications. Plus, for those interested in comparing loans or checking rates, our partnership with lenders at https://www.lendmesh.com/loans/personal_loans makes finding the right financial products straightforward and hassle-free. Should you have any questions or require personalized support, don’t hesitate to reach out via fax at (209) 444-5372; we're here to assist you every step of the way.

At central-state, we pride ourselves on being a trusted financial partner for our community, serving over 15,332 members who rely on us for their banking needs. Our commitment to transparency and responsible management is evident in our robust financial standing, with total assets reaching 236,093,272. This strong foundation allows us to support our members effectively and ensure their financial well-being.

We understand the importance of building trust, which is why our net worth of 21,877,589 reflects our dedication to sound fiscal practices and member-focused service. Although we faced challenges that resulted in a net income of -92,827, we continue to prioritize the needs of our members and remain steadfast in our mission to provide quality financial services.

With total deposits amounting to 18,661,310, we foster a secure environment for our members’ savings while offering a variety of loan options. Our diverse portfolio includes 7,007 loans and leases, showcasing our ability to assist members in achieving their financial goals—be it through auto loans, mortgages, or personal loans.

Employing a dedicated team of 48 professionals, we are equipped to deliver personalized service and expert guidance tailored to each member’s unique circumstances. Our impressive net worth ratio of 927 indicates our stability and resilience in the market, reinforcing the confidence that current and prospective members have in us as a reliable institution.

We also take pride in offering competitive loan products, including a credit card loan volume of 1,108 and an auto loan volume of 3,330, catering to various financing needs. Additionally, with commercial loans totaling 7, we are well-positioned to support local businesses striving for growth.

Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov . We invite you to explore how we can assist you in your financial journey. Compare real-time loan offers today at https://www.lendmesh.com/loans/personal_loans and find the best rates for your needs.