P.O. BOX 9506
Bakersfield, CA 93389
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Kern Schools is an NCUA insured institution located in Bakersfield, CA. It was founded in 1940 and has approximately $1675.2 millions in assets.

Who can join?

Any person who lives, works, worships, or attends school in Kern County, California.
Those who work for businesses and other legal entities located in Kern County, California.
Any immediate family or household member of a Kern Schools Member.
Employees of Kern Schools’ Select Employee Groups.

NCUA Insured Yes
Charter Number # # 3804
Date Established 1940
Assets $1,675.20 million
Loans $1,116.70 million
Deposits $1,471.91 million
Capital $180.66 million

Field of Membership Restrictions

Membership in Kern Schools Federal Credit Union is open to those who live, work, attend school or worship in Kern County in California. Membership is also open to employees of University of California, Advance Beverage Company, Amway Corporation, Atlanta Beverage Company and other Select Employer Groups.

Deposit Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

We do not yet have rates for Kern Schools

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Note to Kern Schools
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Advertiser Disclosure

Loan Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for KERN SCHOOLS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
2.674% 2.625% 0.63 $1,595 $1,005 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.561% 2.500% 0.75 $2,021 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Kern Schools branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Kern Schools Locations

Financial Details

Kern Schools Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Kern Schools. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Kern Schools U.S. Average
3.42% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Kern Schools had $5,875,585 in non-current loans and $540,908 in owned assets. To cover these potential losses it had $180,661,506 in net worth and $6,877,553 in loans loss reserves. That gives it a Texas Ratio of 3.42%.

Net Worth
Kern Schools U.S. Average
10.78% 13.61%

Kern Schools FCU has a net worth of 10.78% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Kern Schools

Branches and Savings

What is Kern Schools?

A federal credit union, registered with the NCUA under certificate #3804.
Learn more about credit unions here.

Is Kern Schools FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Kern Schools?

Please see Field of Membership information above for information on who is eligible to join.

What are Kern Schools's share account and share certificate rates?

Kern Schools's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Kern Schools?

Kern Schools has total capital of $180.66 million. Full information on Kern Schools's financial position is located above.

Who owns Kern Schools?

Credit Unions are owned by their members.

Where are Kern Schools branches located?

See branch locations nearby.

Are Kern Schools ATMs Open 24/7?

Do Kern Schools ATMs accept cash deposits?

Can Kern Schools customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Kern Schools have a mobile app?

Does Kern Schools have mobile deposit?

Does Kern Schools have quick pay?

How can Kern Schools transfer money to other banks or credit unions?

Does Kern Schools report to credit bureaus?

Does Kern Schools use Chexsystems?

Does Kern Schools use Equifax?

What is Kern Schools's toll free phone number?

What is Kern Schools's ACH Routing Number?

What is Kern Schools's SWIFT code?

Where can I find Kern Schools's wire transfer form?

What is the Kern Schools address for deposits?

What Products Does Kern Schools Offer

Does Kern Schools offer mortgages?

Compare mortgage rates here.

Does Kern Schools offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Kern Schools offer auto and RV loans?

Compare auto loan rates here.

Does Kern Schools offer student loans or personal loans?

Compare personal loan rates here.

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