Day-to-Day Loans Personal Lines of Credit Personal Loans and Credit Lines Direct cash loans and credit lines for your personal and household needs Today’s Rates View all Rates» Preferred Draft Account as low as 9.499 % APR Apply Today Share Secured Loan as low as 5.125 % APR Apply Today Signature Loan as low as 12.20 % APR Apply Today Prev Next Compare accounts Description Description No Annual Fee No Annual Fee Overdraft Transfer Fee Overdraft Transfer Fee Access to funds Access to funds Qualification Qualification Preferred Draft Account (PDA) Description Revolving line of credit; draw funds as you need them on an ongoing basis No Annual Fee Overdraft Transfer Fee $5 Access to funds By check, transfer, teller withdrawal, or emergency transfer to protect against overdraft Qualification Based on your credit score and other factors Share Secured Loan Description Borrow against funds you have in your savings account No Annual Fee Overdraft Transfer Fee - Access to funds Single disbursement Qualification Based on your balance in your Strata share savings, share certificate, or money market account Signature Loan Description Fixed rate, personal installment loan No Annual Fee Overdraft Transfer Fee - Access to funds Single Disbursement Qualification Based on your credit score and other factors Overdraft Protection Loan Description Revolving line of credit; draw funds as you need them on an ongoing basis No Annual Fee Overdraft Transfer Fee $5 Access to funds By check, transfer, teller withdrawal, or emergency transfer to protect against overdraft Qualification Based on your credit score and other factors 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.