Day-to-Day Loans

Personal Lines of Credit

man fixing car

Personal Loans and Credit Lines

Direct cash loans and credit lines for your personal and household needs

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

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

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.

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.

external accounts

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.

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