Day-to-Day Loans Personal Lines of Credit Having personal lines of credit other than credit cards gives you the flexibility to have the funds available to you. Today’s Rates View all Rates » Preferred Draft Account as low as 9.749 % APR Apply Today Share Secured Loan as low as 5.375 % APR Apply Today Signature Loan as low as 12.20 % APR Apply Today Prev Next Compare accounts Best if you want: Best if you want: No Annual Fee No Annual Fee Per Transaction fee Per Transaction fee Access to funds Access to funds Preferred Draft Account Best if you want: Revolving line of credit like a credit card. Borrow when you need it and pay back over time. No Annual Fee Per Transaction fee $5 Access to funds 24/7 Share Secured Loan Best if you want: Borrow against funds you have in your savings account No Annual Fee Per Transaction fee - Access to funds Single Payout Signature Loan Best if you want: Use your signature to get an unsecured loan No Annual Fee Per Transaction fee - Access to funds Single Payment Overdraft Protection Loan Best if you want: Provides overdraft protection to your Strata checking account No Annual Fee Per Transaction fee $5 Access to funds Cover overdrafts Apply for an account today How to get started Sit down with a Financial Services Rep Schedule an Appointment Apply Online Start Application Call Us 24/7 (661)327-9461 Toll Free: (800)336-5376 FAQs Do you offer Debt Consolidation Loans? Strata CU does offer loans for our members to consolidate bills and pay off other debts. There are several options available to most members. This may include personal loans, credit card balance transfers, home equity loans/lines, or even a first mortgage. If you would like to discuss options before applying, simply call a Member Representative at (661) 327-9461. They are trained to assess your personal situation and decide what loan type fits best. 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.