Credit union · NCUA insured
Strata Credit Union CD Rates
Strata Credit Union’s best CD rate is 0.75% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Strata Credit Union’s CD rates compare
Compared with banks and credit unions near Bakersfield, CA, where Strata Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Strata Credit Union
3.75%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $375
Wealth Builder Share Certificate
Top rate
OceanAir Federal Credit Union
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $321
Strata Credit Union CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.15%
- 9–15 months9–15 mo0.20%
- 16–30 months16–30 mo0.30%
- 31–60 months31–60 mo0.75%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Strata Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Wealth Builder Share Certificate
3.75%APY · 1 term
Must select a monthly transfer amount (minimum $50) from checking or savings account. Maximum allowable amount is $75,000. Automatically renews. Only one Wealth Builder Certificate per membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust select a monthly transfer amount (minimum $50) from checking or savings account. Automatically renews. Maximum allowable amount: $75,000. Only one Wealth Builder Certificate per membership | 3.75% | $375 |
Share Certificates
Up to 0.75%APY · 7 terms
Penalty for early withdrawal. Membership eligibility applies (anyone who lives, works, or attends an educational or religious institution within Kern County).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.15% | $7 |
| 12 monthsOne-year Bump-Up: Member has option for a one-time opportunity to raise the rate on the certificate to a higher rate if offered for the same term (variable rate). One-year Add-On: Member also has the opportunity to add to this certificate at any time during the certificate term (minimum addition is $1,000.00) | 0.20% | $20 |
| 24 months | 0.30% | $60 |
| 36 months | 0.50% | $151 |
| 48 months | 0.60% | $242 |
| 60 months | 0.75% | $381 |
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.