Savings
Whether you are saving for college, buying a new home, planning a vacation or saving up for a rainy day, Strata Credit Union has a Savings Account to fit your needs.
General Savings Accounts
We’re member-owned; we work to put our profits back into our members’ pockets in the form of low rates, better service, better access to resources and more. Plus, our share savings account pays competitive dividends on balances of $0.01 and more.
Secondary savings accounts can be opened and renamed to help you manage your money, like “Vacation,” “College,” or “Holidays,” and have no minimum balance requirement.
• Basic savings, plus your share of ownership in Strata Credit Union
• Dividends paid on balances of $0.01 and more
• $5 minimum balance*
• No monthly service charge
• No membership fee
• Enjoy unlimited deposits, in-person withdrawals, and ATM withdrawals
• Can receive direct deposit
• Optional Mastercard debit card (monthly limit of six electronic debits)
• Can be used for electronic bill payments and transfers (monthly limit of 6 electronic debits)
• Free mobile banking
• Free online banking & bill pay
• Free e-StatementsNo SSN or ITIN numbers? No problem; our CID savings accounts give you all the benefits above (dividends paid is unavailable in CID Savings).
Maximize Your Returns With a Money Market Account
Get a higher return with money market accounts
With our Money Market Account, your balance does the heavy lifting. Make the most of funds via tiered rates, providing higher balances with even higher rates.
Open your Money Market Account today and enjoy earning potential, flexibility, and convenient access to your funds.
• Competitive, tiered rates
• Higher balances earn higher rates
• Enjoy flexibility with enhanced access to funds
• Direct check-writing ability
• Avoid $5 monthly service fee by maintaining a $2,500 minimum balance
• Free mobile banking
• Free online banking
• Free e-Statements available
• $2,500 minimum deposit to open
Use Risk-Free Share Certificates to Guarantee Your Return On Investment
When it comes to investing, you have a range of choices. Round out your portfolio with a risk-free share certificate and enjoy fixed rates at a term length of your choice.
Typically, the longer you wait, the higher your rate of return. Because they’re guaranteed, they are a smart way to reach short-term financial goals.
• Guaranteed returns
• Fixed rates
• Dividends may be compounded or paid directly to you
• Longer terms earn higher rates
• Various terms to choose from three months to five years
• Add funds to a 12-month certificate at any time
• All certificates subject to $100 minimum
• Get a higher rate on the certificate at any time*
• Penalty for early withdrawal applies
• Federally insured by the NCUA up to $250,000
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Today’s Share Certificate Rates
**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.Certificate Term Minimum Opening Balance Rate APY** 3 Months $100.00 6 Months $100.00 12 Months ** $100.00 24 Months $100.00 36 Months $100.00 48 Months $100.00 60 Months $100.00
**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.
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Compare Accounts
General Savings Money Market Description Whether you are saving for college, buying a new home, planning a vacation, or saving up for a rainy day, Strata Credit Union has a Savings Account to fit your needs. With our money market account, your balance does the heavy lifting. Make the most of funds via tiered rates, providing higher balances with even higher rates. Minimum Opening Balance $5 $2,500 Monthly Fee - $5 (Maintain $2,500 no fee) Earns Dividends 0.01 % depends on amount. See rates.
Open Your Savings Account Today
• Schedule an appointment at a branch near you!
• Open a Savings Share Account Account Today (NEW MEMBERS)
• Open a Savings Share Account Today (SECONDARY ACCOUNT)
• Check Your Application Status
• Call us 24/7 at (661) 327-9461 or toll-free at (800) 336-5376Open Your Money Market Account Today
• Schedule an appointment at a branch near you!
• Open a Money Market Account Account Today (NEW MEMBERS)
• Open a Money Market Account Today (SECONDARY ACCOUNT)
• Check Your Application Status
• Call us 24/7 at (661) 327-9461 or toll-free at (800) 336-5376Open A Share Certificate Today
• Sit down with a Financial Services Representative.
• Submit any questions you have!
• Call us 24/7 at (661) 327-9461 or toll-free at (800) 336-5376
Wealth Builder Certificate
Discover the benefits of our Wealth Builder Certificate.
Begin your savings journey today by depositing $100 to enjoy exclusive benefits:
A fixed 3.75% APY interest rate on a 12-month term (automatically renews).
Customize your savings plan by selecting a monthly transfer amount (minimum $50) from your checking or savings account to your Wealth Builder Certificate when you sign up. (Maximum allowable amount: $75,000)
Federally insured by the NCUA up to $250,000
Secure your financial future today with a Wealth Builder Certificate from Strata Credit Union.
General Savings Disclosures
*Minimum balance for primary share savings, no minimum balance required for secondary share savings.
Share Certificate Disclosures
*Bump Up allows a one-time rate increase during the term to the current offered rate for a 12-month certificate in effect at the time of increase.
Open Your Strata Credit Union Savings Account Today!
Become a Member
Strata Credit Union is member-owned. That means every dollar you put in goes right back to you in the form of better rates, lower fees, and dividends. At Strata, we put our members first. Anyone who lives, works, or attends an educational or religious institution within Kern County is eligible for membership.