Rates

Plus Checking

Minimum to Earn Dividend

Minimum Opening Deposit

Rate

APY

Minimum to Earn Dividend

Over $1

Minimum Opening Deposit

$25

Rate

0.05%

APY

0.05%

Share Savings

Minimum to Earn Dividend

Minimum Opening Deposit

Rate

APY

Minimum to Earn Dividend

Under $100

Minimum Opening Deposit

$5

Rate

0.00%

APY

0.00%

Minimum to Earn Dividend

$100 - $2,400

Minimum Opening Deposit

$5

Rate

0.01%

APY

0.01%

Minimum to Earn Dividend

$2,500 - $9,999

Minimum Opening Deposit

$5

Rate

0.01%

APY

0.01%

Minimum to Earn Dividend

$10,000 +

Minimum Opening Deposit

$5

Rate

0.01%

APY

0.01%

Money Market

Minimum to Earn Dividend

Minimum Opening Deposit

Rate

APY

Minimum to Earn Dividend

Under $1

Minimum Opening Deposit

$2,500

Rate

0.00%

APY

0.00%

Minimum to Earn Dividend

$1 - $2,499

Minimum Opening Deposit

$2,500

Rate

0.05%

APY

0.05%

Minimum to Earn Dividend

$2,500 - $9,999

Minimum Opening Deposit

$2,500

Rate

0.05%

APY

0.05%

Minimum to Earn Dividend

$10,000 - $49,000

Minimum Opening Deposit

$2,500

Rate

0.10%

APY

0.10%

Minimum to Earn Dividend

$50,000 - $99,999

Minimum Opening Deposit

$2,500

Rate

0.15%

APY

0.15%

Minimum to Earn Dividend

Over $100,000

Minimum Opening Deposit

$2,500

Rate

0.25%

APY

0.25%

Share Certificates

Certificate Term

Minimum Opening Balance

Rate

APY

One-year Bump-Up: Member has option for a one-time opportunity to raise the rate on the certificate to a higher rate if offered for the same term. Variable rate.

One-year Add-On: Member also has the opportunity to add to this certificate at any time during the certificate term. Minimum addition is $1000.00.

Penalty for early withdrawal.

Certificate Term

3 Months

Minimum Opening Balance

$1,000

Rate

0.10%

APY

0.10%

Certificate Term

6 Months

Minimum Opening Balance

$1,000

Rate

0.15%

APY

0.15%

Certificate Term

12 Months **

Minimum Opening Balance

$1,000

Rate

0.20%

APY

0.20%

Certificate Term

24 Months

Minimum Opening Balance

$1,000

Rate

0.30%

APY

0.30%

Certificate Term

36 Months

Minimum Opening Balance

$1,000

Rate

0.499%

APY

0.50%

Certificate Term

48 Months

Minimum Opening Balance

$1,000

Rate

0.598%

APY

0.60%

Certificate Term

60 Months

Minimum Opening Balance

$1,000

Rate

0.747%

APY

0.75%

Jumbo Certificates

Certificate Term

Minimum Opening Balance

Rate

APY

One-year Bump-Up: Member has option for a one-time opportunity to raise the rate on the certificate to a higher rate if offered for the same term. Variable rate.

One-year Add-On: Member also has the opportunity to add to this certificate at any time during the certificate term. Minimum addition is $1000.00.

Penalty for early withdrawal.

Certificate Term

3 Months

Minimum Opening Balance

$100,000

Rate

0.10%

APY

0.10%

Certificate Term

6 Months

Minimum Opening Balance

$100,000

Rate

0.15%

APY

0.15%

Certificate Term

12 Months **

Minimum Opening Balance

$100,000

Rate

0.20%

APY

0.20%

Auto Loans

Call Strata Credit Union to learn more about our Car Loans Rates! (661)327-9461

Motorcycle & Boat

Loan Type

APR

Terms

Rate Type

Call Strata Credit Union to learn more about our Motorcycle & Boat Rates! (661)327-9461

Loan Type

APR

Terms

Rate Type

RV

Loan Type

APR

Terms

Rate Type

Call Strata Credit Union to learn more about our RV Rates! (661)327-946

90% Maximum LTV Minimum 10% down payment. Larger down payment may be required based on credit score.

Loan Type

APR

Terms

Rate Type

Mortgages

Loan Type

Loan Type

Visit our Mortgage Loan Center for current rates information

Home Equity

Speak with a Financial Service Representative for rates and terms on Home Equity Loan and Home equity Lines of Credit. Save time by scheduling an appointment online today

Personal Loans and Lines

Product

APR

Terms

Rate Type

Product

Signature Loan

APR

12.20% - 18.00%

Terms

Under $10,000 - 36 months
Over $10,000 - 48 months
Over $15,000 - 60 months

Rate Type

Fixed Rate

Product

Preferred Access Line of Credit

APR

7.499% - 8.249%

Terms

Open End Line of Credit

Rate Type

Variable Rate

Product

Share Secured

APR

3.125%

Terms

Up to 10 years

Rate Type

Variable Rate

Product

Certificate Secured

APR

3.125%

Terms

Up to 10 years

Rate Type

Variable Rate

Product

Credit Builder

APR

3.125%

Terms

Up to 24 months for loans under $2,000
Up to 36 months for loans up to $10,000

Rate Type

Fixed

Product

Money Market Secured Loans

APR

3.125%

Terms

Up to 10 years

Rate Type

Variable Rate

Credit Card

Product Name

APR

Benefit

Product Name

Mastercard Platinum without Rewards

APR

7.25%-18.00%

Benefit

Classic credit card without point rewards

Product Name

Mastercard Platinum with Rewards

APR

9.25%-18.00%

Benefit

Build reward points while you utilize credit for products or experiences

Disclosures

Rates up to date as of 11/1/2020

APY = Annual Percentage Yield

APR = Annual Percentage Rate

Fees may reduce earnings. View our fees here.

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