PO BOX 1667
Bakersfield, CA 93302

Notable Rates APY Vs.Others
Savings 0.05% 2.20% →
1-Year CD 0.35% 2.20% →
2-Year CD 0.55% 2.20% →
5-Year CD 1.25% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Strata is an NCUA insured institution located in Bakersfield, CA. It was founded in 1949 and has approximately $263.39 millions in assets.

Who can join?

You can be a member of Kern FCU if you live, work, worship or go to school in Kern County.

NCUA Insured Yes
Charter Number # # 6032
Date Established 1949
Assets $263.39 million
Loans $196.55 million
Deposits $225.83 million
Capital $34.52 million

Field of Membership Restrictions

Must live, work, worship or go to school in Kern County, California.

Deposit Rates - February 27, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $49,999 Learn MoreShow Less
Fixed IRA
0.35% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.30% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
0.35% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
0.55% $1,000 - Learn MoreShow Less
36 Mo CD
0.80% $1,000 - Learn MoreShow Less
48 Mo CD
1.05% $1,000 - Learn MoreShow Less
60 Mo CD
1.25% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - February 27, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for STRATA

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
NMLS ID: 2890
License#: MC-3098
3.158% 3.125% 0.38 $1,030 $1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

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


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

Your Location:

Strata Locations

Financial Details

Strata Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Strata. 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
Strata U.S. Average
3.28% 5.86

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 June 30, 2019, Strata had $1,012,965 in non-current loans and $189,579 in owned assets. To cover these potential losses it had $34,523,448 in net worth and $2,105,403 in loans loss reserves. That gives it a Texas Ratio of 3.28%.

Net Worth
Strata U.S. Average
13.1% 13.65%

Strata FCU has a net worth of 13.1% versus the BestCashCow average of 13.65. 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 Strata

Branches and Savings

What is Strata?

A federal credit union, registered with the NCUA under certificate #6032.
Learn more about credit unions here.

Is Strata 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 Strata?

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

What are Strata's share account and share certificate rates?

Strata'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 Strata?

Strata has total capital of $34.52 million. Full information on Strata's financial position is located above.

Who owns Strata?

Credit Unions are owned by their members.

Where are Strata branches located?

See branch locations nearby.

Are Strata ATMs Open 24/7?

Do Strata ATMs accept cash deposits?

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

Does Strata have a mobile app?

Does Strata have mobile deposit?

Does Strata have quick pay?

How can Strata transfer money to other banks or credit unions?

Does Strata report to credit bureaus?

Does Strata use Chexsystems?

Does Strata use Equifax?

What is Strata's toll free phone number?

What is Strata's ACH Routing Number?

What is Strata's SWIFT code?

Where can I find Strata's wire transfer form?

What is the Strata address for deposits?

What Products Does Strata Offer

Does Strata offer mortgages?

Compare mortgage rates here.

Does Strata offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Strata offer auto and RV loans?

Compare auto loan rates here.

Does Strata offer student loans or personal loans?

Compare personal loan rates here.

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