Kern Schools Federal Credit Union
Headquarters
P.o. Box 9506
Bakersfield, CA 93389
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2024 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 / Federally Chartered |
| 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 - November 23, 2024
Your Current Location: Ohio, OH 43085
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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Loan Rates - November 23, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.956% | 6.875% | 0.63 | $2,642 | $2,103 | Learn More |
NMLS ID: 1907 |
7.080% | 7.000% | 0.88 | $2,602 | $2,129 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to Kern Schools
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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.
Your Location:
Columbus,Ohio
Kern Schools Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1909.33 | A | View Lobby Hours | |
| 1932.10 | B | View Lobby Hours | |
| 1932.74 | C | View Lobby Hours | |
| 1935.09 | D | View Lobby Hours | |
| 1938.15 | E | View Lobby Hours | |
| 1938.38 | F | View Lobby Hours | |
| 1938.62 | G | View Lobby Hours | |
| 1939.39 | H | View Lobby Hours | |
| 1941.28 | I | View Lobby Hours | |
| 1941.40 | J | View Lobby Hours | |
| 1941.70 | K | View Lobby Hours | |
| 1941.90 | L | View Lobby Hours | |
| 2069.21 | M | View Lobby Hours | |
| 2072.01 | N | View Lobby Hours | |
| 2072.56 | O | View Lobby Hours |
Climate Policy and Initiatives
KERN SCHOOLS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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% | 5.83 |
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, 2024, 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% | 13.93% |
Kern Schools FCU has a net worth of 10.78% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Kern Schools
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