Strata Federal Credit Union
Headquarters
Po Box 1667
Bakersfield, CA 93302
See all branch locations →
2024 Overview
General Credit Union Information
Strata is an NCUA insured institution located in Bakersfield, CA. It was founded in 1949 and has approximately $342.35 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 / Federally Chartered |
| Charter Number # | # 6032 |
| Date Established | 1949 |
| Assets | $342.35 million |
| Loans | $258.15 million |
| Deposits | $289.15 million |
| Capital | $46.81 million |
Field of Membership Restrictions
Must live, work, worship or go to school in Kern County, California.
Deposit Rates - December 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
Learn More
|
|
Money Market
|
0.10% | $2,500 | $2,999 |
Learn More
|
|
Money Market
|
0.15% | $10,000 | $14,999 |
Learn More
|
|
Money Market
|
0.15% | $25,000 | $29,999 |
Learn More
|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
Learn More
|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
Learn More
|
| 12 Mo CD
|
0.35% | $10,000 | $14,999 |
Learn More
|
| 12 Mo CD
|
0.35% | $100,000 | $199,999 |
Learn More
|
| 24 Mo CD
|
0.55% | $10,000 | $14,999 |
Learn More
|
| 24 Mo CD
|
0.55% | $100,000 | $199,999 |
Learn More
|
| 36 Mo CD
|
0.80% | $10,000 | $14,999 |
Learn More
|
| 36 Mo CD
|
0.80% | $100,000 | $199,999 |
Learn More
|
| 48 Mo CD
|
1.05% | $10,000 | $14,999 |
Learn More
|
| 48 Mo CD
|
1.05% | $100,000 | $199,999 |
Learn More
|
| 60 Mo CD
|
1.25% | $10,000 | $14,999 |
Learn More
|
| 60 Mo CD
|
1.25% | $100,000 | $199,999 |
Learn More
|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | $99 | Learn More |
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - December 21, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.863% | 6.750% | 1.00 | $3,705 | $2,076 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 3029 |
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 |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$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.
Branches
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:
Columbus,Ohio
Strata Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1935.37 | A | View Lobby Hours | |
| 1938.74 | B | View Lobby Hours |
Climate Policy and Initiatives
STRATA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Add Your Review
or use your BestCashCow account
or
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 |
|---|---|
| 8.01% | 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, Strata had $3,573,979 in non-current loans and $343,678 in owned assets. To cover these potential losses it had $46,812,436 in net worth and $2,105,906 in loans loss reserves. That gives it a Texas Ratio of 8.01%.
Net Worth
| Strata | U.S. Average |
|---|---|
| 13.66% | 13.93% |
Strata FCU has a net worth of 13.66% 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 Strata
There are currently no comments for STRATA. Be the first to share your experience. Please provide comments that will help others.
Add Your Review
or use your BestCashCow account