Bakersfield City Employees Federal Credit Union Rates and Review January 2026
Compare Bakersfield City Employees Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Bakersfield City Employees Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityBakersfield 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 CD rates or other rates available. Have you opened an account or have any experiences at Bakersfield City Employees Federal Credit Union? Share your experience about Bakersfield City Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Bakersfield City Employees Federal Credit Union. Overall, Bakersfield City Employees Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
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  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonPlatinum Card Visa
18.240% - 29.240%
Platinum: 0% introductory APR for the first 18 billing cycles. After that, 18.24% to 29.24% based on your creditworthiness when you open your account.
VISA Credit Card
7.900% - 15.900%
Maximum credit card amount offered is $10,000 with a 36-month term.
Visa Cash Back
16.490% - 17.990%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Signature Loan
11.000%
$0
96
Personal Loan
11.240% - 17.950%
$0
25 - 36
Personal Lines of Credit
11.900% - 19.400%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Bakersfield City Employees Federal Credit Union rate data right now. 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 |
12-month CD rates can be found at 2.65%, 6-month CD rates at 0.25% and 3-month CD rates at 0.65%. Savings rates are at 0.10% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 5.96%. Credit Card rates are at 13.74%. Personal Loan rates are at 9.99%. All these rates, and more, can be found in our database of rates which you can compare to 
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