Credit union · NCUA insured
Strata Credit Union Auto Loan Rates
Strata Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Strata Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bakersfield, CA, where Strata Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Strata Credit Union
5.49%APR
- Terms
- up to 84 months
- Up to
- 15.09% APR
Auto Loans
Lowest rate
Desert Valleys Federal Credit Union
3.50%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
Strata Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Strata Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Membership eligibility applies to anyone who lives, works, or attends an educational or religious institution within Kern County. Repayment terms up to 7 years. Up to 120% financing for used cars, trucks, or SUVs.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.49%–15.09% | Rate based on creditworthiness and term of loan. |
Auto Refinance Promo
Valid 09/08/2026 through 11/25/2026. Refinance rate is 2.0% below current APR from another lender (minimum APR 4.49%). Excludes existing Strata Credit Union auto loans. Requires Strata CU membership and a Share Savings account with minimum deposit of $5.00. Applicants with auto loans financed at another lender within the last 12 months, no late payments, and currently employed (verification required) are prequalified; loans originated more than 12 months ago are subject to credit approval. Original loan term will not be extended.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Rate includes a 0.25% discount for automatic payments from a Strata Credit Union checking account (without discount, APR is 0.25% higher, e.g., 4.74% APR). |
Sources (1)
- stratacu.org/auto-refi · captured Oct 6, 2026
Who can join Strata Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives within Kern County is eligible for membership.
- Anyone who works within Kern County is eligible for membership.
Employers and groups
- Anyone who attends a religious institution within Kern County is eligible for membership.
Military, government and schools
- Anyone who attends an educational institution within Kern County is eligible for membership.
Membership information collected October 5, 2026.