Credit union · NCUA insured
Strata Credit Union Savings Rates
Strata Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Strata Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $10
Money Market
Top rate
Edwards Federal Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $350
2nd-highest rate
Valley Strong Credit Union
3.25%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $325
Strata Credit Union savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.10%APY
A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. Minimum opening deposit is $2,500.00. Membership is open to those who live, work, or attend an educational or religious institution in Kern County.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. No dividends earned on balances under $1.00. | 0.00% | — | A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. No dividends earned on balances under $1.00. |
| Up to $2,499A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. | 0.05% | — | A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. |
| $2,500 – $9,999A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. | 0.05% | — | A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. |
| $10,000 – $49,000A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. | 0.10% | $10 | A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. |
| $50,000 – $99,999A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. | 0.15% | — | A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. |
| $100,000 and upA $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. | 0.25% | — | A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. |
Primary Share Savings
0.01%APY
$5 minimum balance required for primary share savings. Pays competitive dividends on balances of $0.01 and more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn dividend is $0.01. $5.00 minimum opening deposit.Over $0 | 0.01% | $1 | Minimum balance to earn dividend is $0.01. $5.00 minimum opening deposit. |
Special-purpose accounts
IRA Share Savings
0.01%APY
Dividends calculated by daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum daily balance of $0.01 required to earn stated APY.Over $0 | 0.01% | $1 | Minimum daily balance of $0.01 required to earn stated APY. |
Sources (1)
- stratacu.org/s/09-2026-Truth-i…gs-Disclosure-Shares.pdf · 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.