Credit union · NCUA insured
Strata Credit Union Credit Card Rates
Strata Credit Union credit cards start at 10.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Strata Credit Union’s credit card rates compare
Compared with banks and credit unions near Bakersfield, CA, where Strata Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Strata Credit Union
10.75%APR
- Up to
- 18.00% APR
Mastercard Platinum without Rewards
Lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
2nd-lowest rate
Edwards Federal Credit Union
9.99%APR
- Up to
- 17.99% APR
Strata Credit Union credit card score
80
Credit card score
Higher than 52% of U.S. banks and credit unions
- Purchase APRPurchase APR10.75%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Mastercard Platinum with Rewards
Eligibility: Anyone who lives, works, or attends an educational or religious institution within Kern County is eligible for membership. Rate based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75%–18.00% | None | Rate based on creditworthiness. No annual fee. Earn rewards points. |
Mastercard Platinum without Rewards
Eligibility: Anyone who lives, works, or attends an educational or religious institution within Kern County is eligible for membership. Rate based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.75%–18.00% | None | Rate based on creditworthiness. No annual fee. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.