Strata Credit Union For Life’s Priorities Life is a series of moments. Each one, an opportunity to grow, to succeed, to improve. At Strata Credit Union, it’s our job to help you see those opportunities and the inherent potential within our community, our members, and each other. Today's Rates View all Rates» CERTIFICATE SECURED LOAN as low as 4.875 % APR Apply Today NEW AUTO LOAN as low as 3.74 % APR Apply Today CREDIT CARDS as low as 9.50 % APR Apply Today Prev Next Looking to Login? Sign into Online Banking Sign in First Time Login? Sign up Access Your Mortgage Manage Mortgage Debit Card Reissue Coming Soon Strata branded debit card reissues will be mailed to members mailboxes soon. Keep an eye on your mailboxes over the next few weeks. New Name, Same Great Credit Union View coverage of the ribbon cutting in celebration of the name change. Purchased a new vehicle in the past year? Take advantage of our 2% APR reduction for your auto loan by refinancing at Strata Credit Union. Pass a few qualifications and get your auto loan rate reduced. * View qualifications » Hot: Credit Builder Loan Program Not every member is the same. That’s why we offer unique solutions for members that need to build their credit. See how the Credit Builder program works by stopping by a branch today. Learn more about building your credit » Better Bill Pay. For Real. Using multiple sites and methods to pay bills means more logins to remember, more to keep track of, and more opportunities for payments to slip through the cracks. Luckily PriorityPay changes everything. Not only can it handle all your bills in an easier, more intuitive interface, but it lets you make payments with your card in real time—so you know exactly when your bills are paid. Learn more about PriorityPay Today » Make updating your new debit card number easy It just got easier to stream, watch, listen, shop, and subscribe to all your favorite online brands. Now you can update the preferred method of payment for all your favorite digital services, like Netflix, Amazon, and more*—all at the same time, and all in the same place. This makes expired cards or new checking accounts easier to manage, saving you time and hassle! Learn more about Card Swap Today » Nominate someone to receive a wish In honor of our 70th anniversary, 70 wishes will be granted to individuals or organizations in Kern County. Nominate someone today for a wish » Get Sprint Today Here’s something more to love. Get a $100 cash reward for every new line activated with Sprint. And now, for a limited time, this offer is available on unlimited lines! It’s our way of showing you unlimited love. View Offer » Here to support your financial well-being Whether you need to buy a house, manage debt, or build your credit, we’ve got your back. Reach your financial goals » The Strata Difference? We make a difference. Community Minded For 70 years, we’ve helped our neighbors in Kern County find financial peace of mind. Growing with the community means caring about it — making sure we give back to the people who live here. Not-for-profit Avoid self-serving banks motivated by their shareholders, fees and unfavorable rates. Come to a place that does what is best for members. That’s the advantage when you bank with a not-for-profit institution like Strata Credit Union. Member Benefits Strata members can save thousands with exclusive credit union discounts with the products we offer. Our Story›› Why bank with Strata ›› Upcoming Events Disclosures Qualifications: *Applicants who: 1) have financed an auto at another lender within the last 12 months, 2) have no late payments on that loan, and 3) are currently employed- are prequalified to refinance their auto loan at Strata Credit Union at a rate equal to 2.0% below their current APR, with an additional rebate of 0.25%APR offered for establishing automatic payment from a Strata Checking Account. Offer is subject to a floor rate 3.49% APR. Applicants with longer established loans may also qualify for these terms, subject to a full review of their credit and other factors. Loans currently financed at Strata CU are not eligible. Offer is good from 5/20/2019 – 7/29/2019. Membership in good standing with Strata Credit Union is required. Strata Credit Union is Federally insured by NCUA.