Credit union · NCUA insured
Bakersfield City Employees FCU
A $29.4M credit union headquartered in Bakersfield, CA, with 2,034 members and 1 branch in California. Best rates: CDs 3.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—3.25%CD rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bakersfield City Employees FCU
Founded in 1936, Bakersfield City Employees Federal Credit Union is headquartered in Bakersfield, California.
The credit union was established to serve employees of the City of Bakersfield and their family members.
- Headquarters
- 2817 16th St, Bakersfield, CA 93301-3210
- NCUA charter
- 1339
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of BNSF Railroad are eligible for membership.
- Employees of Golden Empire Transit are eligible for membership.
Military, government and schools
- Employees of the City of Bakersfield are eligible for membership.
Family and household
- Family members and relatives of City of Bakersfield employees are eligible for membership.
Branches
1 branch in California
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California
1 branch
- Main Office-BCEFCUMain office2817 16th St, Bakersfield, CA 93301Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.10% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.03% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.39% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $53 | $59 | — |
- CapitalNet worth ratio12.10%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.03%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.39%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$53Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Bakersfield City Employees FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.