Strata Credit Union Bakersfield CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Strata, your trusted financial partner located at 4180 Coffee Rd, Bakersfield, CA 93308. Established in 1949, we have proudly served our community for over seven decades, providing exceptional financial services tailored to meet the needs of our members. With a commitment to fostering strong relationships and delivering personalized support, Strata has grown to serve over 23,953 members. At Strata, we understand that managing your finances is about more than just numbers it's about making a positive impact in the lives of our members and the community. Our total assets of $338,350,695 reflect our dedication to securing your financial future. Whether you're looking for auto loans, mortgages, or personal banking solutions, we offer a diverse range of products designed to empower you on your financial journey. With a strong net worth of $47,210,288 and total deposits amounting to $35,279,967, Strata stands as a pillar of reliability and trustworthiness in the Bakersfield area. Our CEO, Brandon Ivie, alongside Board President Jackie Denney, leads a passionate team of 72 employees who are always ready to assist you with your financial needs. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 4180 Coffee Rd, Bakersfield, CA 93308. We invite you to explore how we can assist you further by calling us at 661-327-9461 or visiting our website at stratacu.org. Join us today and experience the Strata difference where community and commitment come together!

Branch History & Mission

Strata has a rich history rooted in community service and financial empowerment. Established in 1949, our branch located at 4180 Coffee Rd, Bakersfield, CA 93308, has grown alongside its members and the city itself. Over the years, we have become a trusted partner for individuals and families seeking to achieve their financial goals. Today, we proudly serve over 23,953 members with total assets amounting to $338,350,695. Our mission is clear: we aim to provide exceptional financial services while fostering a supportive community. We believe that everyone deserves access to quality banking options that can enhance their lives. From personal banking solutions like checking and savings accounts to auto loans and mortgages, our offerings are designed with our members' needs in mind. At Strata, we understand that banking is not just about numbers; it's about people. Our commitment goes beyond transactions. We actively engage with our community through outreach programs and partnerships that uplift those around us. This focus on community support reflects our core values and strengthens the bonds we share with our members. We also embrace modern conveniences to ensure that banking is accessible for everyone. Our branch features ATM availability for quick cash withdrawals and online banking options for managing accounts from anywhere at any time. While we currently do not offer drive-thru services or shared service centers, we are dedicated to providing an inviting atmosphere during our operating hours: Monday to Friday from 9:00 am to 6:00 pm and Saturday from 9:00 am to 2:00 pm. As we look towards the future, we invite you to join Strata. Experience a credit union that prioritizes your financial well-being while making a positive impact in the Bakersfield community. Together, let's build a brighter financial future for all! For more information or to get started on your journey with us, please call us at 661-327-9461 or visit our website at Strata Credit Union.

Branch Location & Accessibility

Convenient Access for Everyone

At Strata, we prioritize convenience and accessibility for all our members. Our branch features ample parking, ensuring you can easily stop by without the hassle of searching for a spot. Plus, we are committed to being ADA compliant, with ramps and other features designed to make your visit comfortable.

Operating Hours That Fit Your Schedule

We understand that life gets busy. That's why we're open Monday through Friday from 9:00 am to 6:00 pm and Saturday from 9:00 am to 2:00 pm. Whether you need assistance during the week or prefer a Saturday visit, our dedicated team is here to help you with all your banking needs.

Services Tailored Just for You

At Strata, we offer a variety of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we have something for everyone. While visiting us, you'll also find convenient ATM access right at the branch perfect for quick cash withdrawals or balance checks. While members can visit us at 4180 Coffee Rd, official correspondence should be sent to the same address. If you have any questions or would like more information about our services, feel free to give us a call at 661-327-9461. We invite you to come by and experience the welcoming atmosphere at Strata today!

Member Eligibility

At Strata, we believe that everyone deserves access to financial services that empower their dreams. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the area, you're likely eligible to join our vibrant community. We aim to provide personalized support and resources tailored just for you. Membership comes with fantastic benefits like competitive loan rates, savings options, and tools for managing your finances effectively. To learn more about the specific eligibility criteria and make sure you meet them, feel free to visit our website at . When you're ready to take the next step towards joining us at Strata, opening an account is just a click away! You can find all the details on how to get started by visiting https://bankonline.stratacu.org/stratacuonline/sdk/autoenrollmente2e. If you have any questions or need assistance, don't hesitate to call us at (661) 327-9461. We're excited to welcome you into our family!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to seize new opportunities. Our commercial loan options empower you to invest in your business, hire new staff, or expand your operations. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer practical merchant services that simplify everyday transactions. From credit card processing to point-of-sale systems, our tools help you serve your customers better and manage cash flow efficiently. Imagine reducing wait times at checkout or offering diverse payment options; these small changes can make a big difference in customer satisfaction. Located conveniently at 4180 Coffee Rd Bakersfield Ca 93308, Bakersfield, CA 93,308, we're here to partner with you on your path to success. For personalized assistance, call us at (661) 327-9461 or visit us during our operating hours: Monday - Friday from 9:00 am to 6:00 pm and Saturday from 9:00 am to 2:00 pm. Let's grow together!

Comprehensive List Of Services

Business Banking for Growth

If you're a business owner, Strata has a suite of services tailored just for you. Our business banking solutions include merchant services that simplify payment processing and business loans that help you expand operations or invest in new equipment.

Convenient Access Anytime

We understand the importance of accessibility in today's busy world. That's why we offer ATM services for quick cash withdrawals and balance checks without the need to visit the branch. With our basic ATM access available at multiple locations, getting your money when you need it is easier than ever.

Join Us Today!

To learn more about how Strata can assist you with these services or any other financial needs, don't hesitate to give us a call at 661-327-9461. Our friendly staff is here to help from Monday to Friday between 9:00 am - 6:00 pm and Saturday from 9:00 am - 2:00 pm. Visit us online at stratacu.org to explore all the options available at our branch. We look forward to serving you!

Loans That Fit Your Lifestyle

For those unexpected expenses or big dreams, our personal loans and debt consolidation services come in handy. Picture using these loans to consolidate high-interest debts into one manageable payment or funding a major purchase without breaking the bank. Our credit cards with rewards provide an extra layer of benefits. You can earn points on every purchase, which can be redeemed for travel, merchandise, or cash back making each swipe count towards something special.

Personal Banking Solutions

Starting with our personal banking offerings, we provide checking and savings accounts designed for convenience and flexibility. Imagine easily managing your finances through our online and mobile banking services. You can check balances, transfer funds, and even set up automatic payments from the comfort of your home or on-the-go. If you're considering purchasing a vehicle, our auto loans and vehicle financing options are competitive and tailored to fit your budget. We also offer mortgage loans and refinancing services that can help you secure your dream home or reduce monthly payments on an existing mortgage.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and packed with features to help you stay on top of your finances. You can access e-statements, making it easy to keep track of your transactions without the clutter of paper statements. Plus, if you're in a hurry, our electronic signature authorization makes it simple to sign documents securely from the comfort of your home. Need to make payments on the go? Our mobile payments feature allows you to pay bills or send money with just a few taps on your smartphone. And for those moments when you want to share funds quickly, our person-to-person transfer option is just what you need no hassle, just instant transfers between friends and family.

Mobile Application

For added convenience, don't forget to download our mobile application. It puts all these powerful tools right in your pocket, allowing you to check balances, deposit checks, and transfer funds whenever you need them. Managing your money has never been easier! Whether you're at home or on the move, our digital banking services at Strata are designed with your needs in mind. Experience the ease of real-time account management and take control of your finances today!

Financial Strength

Committed Team

Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 72 full-time employees who are ready to assist you with a knowledgeable and committed team.

Growing Membership Base

Total Share and Deposit Accounts: 40,501, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Strata is your trusted partner. Visit us at 4180 Coffee Rd Bakersfield Ca 93308 or call (661) 327-9461 to learn more about how we can help you achieve your financial goals.

Member Savings & Investments

Members' savings are secured through $30,829,067 in share certificates and $21,609,037 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $33,327,606, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting in Our Community

With $47,062,446 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $6,742 in used auto loans and $255,060,055 in total loans and leases.

Strong Net Worth

With a net worth of $47,210,288, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,395 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Support

If you're considering refinancing any existing loans or exploring eligibility options, our knowledgeable staff is here to assist you. We believe in transparent communication and are committed to helping you understand all available options. For more information about our loan offerings or to discuss your specific needs, feel free to reach out to us at (661) 327-9461 during our operating hours: Monday - Friday from 9:00 am - 6:00 pm and Saturday from 9:00 am - 2:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Strata, we're dedicated to supporting your journey towards financial success!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $90,202,609 in used vehicle loans and $45,551,820 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you can find an affordable solution that fits your budget.

Credit Lines and Credit Cards

For those needing flexibility in managing their finances, we also offer credit lines totaling $33,298,946. Additionally, we have flexible terms on unsecured credit card loans, with a total of $9,746,219 in loans helping members manage their finances effectively. Whether it's unexpected expenses or planned purchases, our credit products can help ease your financial burden.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $36,439,243, make buying or refinancing simple. We guide you through the process, providing support every step of the way so that you can focus on making your house a home.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers. By leveraging data from trusted institutions, LendMesh promotes a level playing field where consumers can find the most suitable loan products.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, guaranteeing transparency in your options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Each comparison reflects genuine offers without any hidden agendas. - Real-Time Rate Comparisons: The platform continuously updates loan rates from multiple institutions. This helps users make informed decisions based on current market conditions rather than outdated information. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the practical advantages of using the tool for real-world savings. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Strata