Strata Federal Credit Union Rates and Review January 2026
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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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Compare Strata 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 Strata 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 AvailabilityStrata 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 Strata Federal Credit Union? Share your experience about Strata Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Strata Federal Credit Union. Overall, Strata 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. Strata Federal Credit Union Branch 1 Main Branch 1717 Truxtun Ave Bakersfield, CA 93301 5102  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 ComparisonSavings Secured Visa®
18.000%
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
Platinum
8.900%
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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 ComparisonAccess Line Of Credit
16.240%
$0
Personal Loan
10.490%
$0
60 - 60
Personal Loan
10.500%
$0 - $5,000
24 - 36
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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 Strata Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Strata Federal Credit Union
Website: https://www.stratacu.org
Full Time Employees: 73Part Time Employees: 0 President: Mitch Patel CEO: Brandon Ivie Branch Locations: 4 ATM Locations: 4 Corporate Office Address:
1717 Truxtun Ave
Bakersfield, CA 93301 5102 Phone Number: 661-327-9461 Fax Number: 661-327-2646 FinancialsTotal Assets:
336,554,813
Total Amount of Shares and Deposits:
283,257,926
Total Shares and Deposits < 1 Year:
280,536,607
Total Shares and Deposits 1 3 Years:
2,395,068
Total Shares and Deposits > 3 Years:
326,251
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
11,121,681
Total Uninsured Shares and Deposits > $250K (F+J):
42,430,921
Total Insured Shares and Deposits > $250K (item 17 less item K):
240,827,005
Total Interest Expense (Sum of items 6 8):
1,736,586
Share Certificates:
906
Number of Accounts for Share Drafts:
14,273
IRA KEOGH Accounts:
244
Number of Accounts for Regular Shares:
25,742
Non Member Deposits:
8
Money Market Shares:
315
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
35,864,488
Total Liabilities:
288,152,517
Show More
Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Strata Federal Credit UnionIs a member application needed to join Strata Federal Credit Union?Yes, to access services at Strata Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Strata Federal Credit Union provides a range of mortgage and home equity products. Is Strata Federal Credit Union a safe place to deposit money?Yes, Strata Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Strata Federal Credit Union offer online and mobile banking?Most modern institutions like Strata 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 3.05%, 6-month CD rates at 0.75% and 3-month CD rates at 0.05%. Savings rates are at 0.05% and money market rates are at 1.81%. Mortgage rates on 30-year fixed loans are around 6.00%. Credit Card rates are at 8.99%. Personal Loan rates are at 14.20%. All these rates, and more, can be found in our database of rates which you can compare to 
