Strata Credit Union is member-owned. That means every dollar you put in goes right back to you.

What is Strata CU?

Co-Operative: That’s how we operate

At Strata, the dollars you put in are given back to you in the form of better rates, lower fees, and dividends rather than profiting shareholders like in a traditional bank. At Strata, we understand the value of putting our members first.

Member Owned

Being a member means you are joining a movement of individuals that want control over how their money is used.


Our Board of Directors and Supervisory committee is run by volunteer members. Their guidance ensure decisions made are in the best interest of the members and future growth of the credit union.


All profit goes back into the credit union through better dividends, better rates, and improved customer service for you.

Are You Eligible?

You can join Strata CU if you:

Live, work, worship or attend school in Kern County

If you live, work, worship or attend school in Kern County you can become a member of Strata Credit Union.

Open a Share Savings Account

Your next step is to simply open a Share Savings account with a $5 deposit to officially become a member at Strata Credit Union.

Open a Share Savings Account »

I’ve banked with other Credit Unions in town before and they always made me feel like they don’t care about me, like they only wanted my money,” said Cazares. “I am treated like a friend at Strata Credit Union. That is why I like coming here.

— Joseph Cazares, Member Since 1984

Member Benefits

The benefits of Member-owned

We know you work hard to earn your money, and we want to be sure you keep as much of it as possible. That’s why we’ve teamed up with organizations like Love My Credit Union, and TruStage, to bring you member benefit savings on a variety of products and services. We encourage you to take advantage of these benefits and save.

Rewards and Discounts

By simply being a member of Strata, you can access savings on everything from tax services to amusement park tickets.

See the full list of member benefits »

Financial Wellness

We want to help you reach your financial goals. That’s why we’ve provided helpful tips for you to manage your finances with confidence.

Access our Financial Wellness Center »

Green Initiatives - and we're not talking about money

Not only do we have an electric car charging station at our Downtown Branch, but we also host numerous shredding document days to support our environmentally friendly initiatives.

car charging station
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We have partnered with Student Choice to help finance your education. Next steps will direct you to a marketplace site where other top national credit unions will offer you rates and terms based on your estimated FICO. You can then select which one works best for you and complete the application. It’s that easy to get the best rate from another trusted not-for-profit credit union…Let’s go!

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