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Each of Our Cards Has Benefits Depending on Your Unique Situation.
NO ANNUAL FEES
All of our credit cards come with no annual fees.
COMPETITIVE RATES
We provide competitive industry rates when you apply for your credit card today.
REWARDS
Choose our platinum rewards card and start earning points today.
| Platinum – no rewards | Platinum with Rewards | |
|---|---|---|
| Best if you want | A classic credit card to help build your credit history or for future purchases. | A credit card with rewards. The more you use your credit card, the more reward points you can build up. |
| No Annual Fee | ||
| Interest Rate (APR*) | - | - |
| Cash Advance (APR*) | - | - |
Pay Online
Transfer money straight from your basic or rewards checking account or ACH transaction through your preferred financial institution.
Minimum Payments Designed to Keep You Out of Debt
Our minimum payments are slightly higher than the industry average so you aren’t paying off a balance for 10 years. As a credit union, we want to help our members maintain good credit and not get stuck in debt traps.
How To Get Started
• Sit down with a Financial Services Rep
• Apply Online
• Check Your Application Status
• Call us 24/7 at (661) 327-9461 or toll-free at (800) 336-5376
How Can I Make Credit Card Payments?
Credit card payments can be sent:
• In The Mail
• Over the Phone
• By transfer from Strata Credit Union account in online banking or from any financial institution by accessing your credit card in online banking and making a payment thereWhat's The Difference Between a Debit Card and a Credit Card?
A credit card account is a loan, which may be paid back monthly or in full as you use it. A debit card uses funds that are available in your checking account.
How to Make a Payment From Another Financial Institution?
With online banking, you can set up external transfers while within online banking. Sign into online banking and select “Add External Accounts” in the left navigation. Follow the instructions on the screen to set up the link between our online banking and your other financial institution. Part of the process will be to verify micro-transactions sent to the external account you indicated to ensure the connection is secure and successful. After you have successfully finished verifying, you will be able to transfer money to make your loan payment from within online banking.
Do You Offer Secured Credit Cards?
We no longer offer secured credit cards. An alternative we provide to build credit is our Credit Builder Loan. We have seen more success in regard to credit building through this loan type as opposed to secured credit cards.
Your Mastercard Credit Card affords the flexibility to pay for what you need when you need it.
Strata Credit Union is member-owned. That means every dollar you put in goes right back to you in the form of better rates, lower fees, and dividends. At Strata, we put our members first. Anyone who lives, works, or attends an educational or religious institution within Kern County is eligible for membership.
