CENTRAL STATE CREDIT UNION

Welcome to Central State, your trusted partner in financial wellness, located at 363 S Lower Sacramento Rd, Lodi, CA 95242. Since our establishment in 1936, we have been committed to serving our community with integrity and care. With a growing membership of over 15,332 individuals, we pride ourselves on creating a welcoming environment where everyone can thrive financially. At Central State, we understand that banking is more than just numbers; it's about building relationships. Our total assets exceed $236 million, enabling us to offer a wide range of services tailored to meet your needs from personal and auto loans to business banking solutions. Currently, we hold a robust portfolio of 7,007 loans and leases valued for your convenience and security. While members can visit us at our branch location, official correspondence should be sent to 363 S Lower Sacramento Rd, Suite C, Lodi, CA 95242-3326. This ensures you receive the best service possible from our dedicated team. Led by our passionate CEO, Anna Lo, and Board President Linda Frontz, we strive to maintain a culture that prioritizes member satisfaction. Our experienced staff of 48 employees is here to assist you during our operating hours from Monday to Friday, 9:00 AM to 5:00 PM. Whether you're looking for help with online banking or need guidance on financial planning, we've got you covered. With total deposits reaching $18.7 million and a net worth of over $21.9 million, Central State stands strong as a pillar of financial stability in the community. We invite you to explore all that we have to offer visit our website at Central State or give us a call at 209-444-5300 for more information. Join us today and experience the difference of being part of a credit union that truly cares!

Becoming a member of Central State is like stepping into a welcoming community where your financial needs are truly understood. If you live, work, or go to school in the area around 363 S Lower Sacramento Rd Lodi Ca 95242, you're already on the right track! We aim to make membership accessible to everyone, so even if you're new to credit unions, you'll find that joining us is easy and rewarding. Not only will you gain access to a range of services designed for your financial well-being, but you'll also enjoy the personalized care that comes with being part of our family. To learn more about eligibility requirements and get started, feel free to check out our detailed resource at . When you're ready to open an account, visit us online at https://internetloanapplication.cudl.com/centralstate/ or give us a call at (209) 444-5300. We can't wait to welcome you to Central State!

At Central State, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to give you access to your accounts anytime, anywhere. With our user-friendly platform, you can handle your banking needs with just a few clicks. Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills at your convenience. Simply visit us at https://www.centralstatecu.org/ to get started. You'll find it easy to navigate and packed with features that make banking simpler. For those who prefer mobile banking, our mobile application is ready for download. It offers the same great features as our online banking platform but in the palm of your hand. Whether you're making person-to-person transfers or checking your e-statements, everything is designed with your ease in mind. Security is a top priority at Central State. Although we currently do not offer electronic signature authorization, our systems are equipped with robust security measures to protect your information. You can feel confident knowing that your personal data is safeguarded while you manage your finances. If you're looking for quick transactions, our person-to-person transfer feature lets you send money directly to friends and family without any hassle. Plus, for those eco-conscious members, we provide e-statements so you can keep track of your finances without adding paper clutter. In today's fast-paced world, it's important to have access to your money on the go. With all these digital tools at your fingertips, managing your finances has never been easier or more convenient. Experience the freedom of banking on your terms with Central State!

At Central State, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that you want to know your credit union is built on solid ground, which is why we are proud to share our financial strength with you. With a net worth of $21,877,589, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 927% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $36,037,057 in share certificates and $25,660,188 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $21,970,416 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $6,810,7173 in total loans and leases and 1,665 used auto loans currently financed. Our operational efficiency is reflected in our net income of -$92,827, which showcases our commitment to adjusting our strategies for continued improvement. We also take pride in having 42 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 31,606, showing a strong and growing member base that trusts us with their finances. This trust underpins everything we do here at Central State. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Central State is your trusted partner. Visit us at 363 S Lower Sacramento Rd Lodi Ca 95242 or call 209-444-5300 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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