Bakersfield City Employees Federal Credit Union Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Bakersfield City Employees Federal Credit Union's 60 month 60-Month CD rates are at 0.85%, IRA CD 24 month rates are at 0.80%, IRA CD 24 month rates are at 0.70%, 48 month 48-Month CD rates are at 0.60%, IRA CD 12 month rates are at 0.60%. Bakersfield City Employees Federal Credit Union's Personal Loan Rates are at 8.75%.
Bakersfield City Employees Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available.Have you opened an account or have any experiences at Bakersfield City Employees Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Bakersfield City Employees Federal Credit Union Texas RatioBakersfield City Employees Federal Credit Union's Texas Ratio is at 0.81%, which is considered excellent. The Texas Ratio for Bakersfield City Employees Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Bakersfield City Employees Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Bakersfield City Employees Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Overall, Bakersfield City Employees Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Bakersfield City Employees Federal Credit Union
Main Office BCEFCU 2817 16th St
Bakersfield, CA 93301 3210 
Bakersfield City Employees Federal Credit Union CD Rates
Bakersfield City Employees Federal Credit Union Savings Rates
Bakersfield City Employees Federal Credit Union Home Equity & HELOC
Bakersfield City Employees Federal Credit Union Credit Card Rates
Bakersfield City Employees Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Bakersfield City Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Bakersfield City Employees Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Bakersfield City Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Bakersfield City Employees Federal Credit Union
Website: https://www.bakcityefcu.org
Full Time Employees: 6Part Time Employees: 1 President: Esther Duran CEO: Tania Brandon Branch Locations: 2 ATM Locations: 3 Corporate Office Address:
2817 16th St
Bakersfield, CA 93301 3210 Phone Number: 661-861-6151 Fax Number: 661-323-8709 FinancialsTotal Assets:
29,247,777
Total Amount of Shares and Deposits:
25,766,853
Total Shares and Deposits < 1 Year:
24,944,186
Total Shares and Deposits 1 3 Years:
678,861
Total Shares and Deposits > 3 Years:
143,803
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
184,424
Total Uninsured Shares and Deposits > $250K (F+J):
184,424
Total Insured Shares and Deposits > $250K (item 17 less item K):
25,582,429
Total Interest Expense (Sum of items 6 8):
17,260
Share Certificates:
87
Number of Accounts for Share Drafts:
817
IRA KEOGH Accounts:
33
Number of Accounts for Regular Shares:
2,072
All other shares:
277
Net Income (unless the amount is already included in Undivided Earnings):
309,898
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
1,307,977
Total Liabilities:
25,867,770
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Bakersfield City Employees Federal Credit UnionIs a member application needed to join Bakersfield City Employees Federal Credit Union?Yes, to access services at Bakersfield City Employees Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Bakersfield City Employees Federal Credit Union provides a range of mortgage and home equity products. Is Bakersfield City Employees Federal Credit Union a safe place to deposit money?Yes, Bakersfield City Employees Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Bakersfield City Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Bakersfield City Employees Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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