Bakersfield City Employees Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.41%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
0.80%	1-year CD	2.60% - Capital One 12 Month 360 CD
0.15%	Savings	1.90% - American Express National Bank High Yield Savings Account

View all Bakersfield City Employees Federal Credit Union rates »

Overview / Commentary

www.bakcityefcu.org

661-861-6151

2817 16th St
Bakersfield, CA 93301-3210

Bakersfield City Employees Federal Credit Union is headquartered in Bakersfield and is the 230^th largest credit union in the state of California. It is also the 2,837^th largest credit union in the nation. It was established in 1936 and as of June of 2018, it had grown to 8 employees and 2,433 members at 1 location. Bakersfield City Employees Federal Credit Union has a C- health rating.

Field of Membership Restrictions

Membership is open to employees of the City of Bakersfield, Golden Empire Transit, and BNSF Railroad.
See current membership details

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Health

C-

Data as of Q2 2018

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Bakersfield City Employees Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	1339
Year Chartered	1936
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.16%
Return on Equity - YTD	-1.98%
Annual Interest Income	$479.00K

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$31.8MM$32.5MM
Loans	Q2 2018vs Q2 2017	$15.3MM$16.4MM
Deposits	Q2 2018vs Q2 2017	$29.2MM$29.6MM
Equity Capital	Q2 2018vs Q2 2017	$2.6MM$2.7MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$148.00K$95.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$324.00K$2.00K
Real Estate Owned	Q2 2018vs Q2 2017	$236.00K$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bakersfield City Employees Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$100	-	Regular Share Account
0.05%	$5	-	Club Account

Bakersfield City Employees Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.41%^*	$50k^*	-	60 Month CD
OTHER TIERS: 0.90% → $1k - $10k \| 1.06% → $10k - $50k
1.26%^*	$50k^*	-	48 Month CD
OTHER TIERS: 0.75% → $1k - $10k \| 0.90% → $10k - $50k
1.10%^*	$50k^*	-	36 Month CD
OTHER TIERS: 0.60% → $1k - $10k \| 0.75% → $10k - $50k
0.95%^*	$50k^*	-	24 Month CD
OTHER TIERS: 0.45% → $1k - $10k \| 0.60% → $10k - $50k
0.80%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.30% → $1k - $10k \| 0.45% → $10k - $50k
0.65%^*	$50k^*	-	6 Month CD
OTHER TIERS: 0.20% → $1k - $10k \| 0.30% → $10k - $50k

Bakersfield City Employees Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%^*	$50k^*	-	2 Year IRA
OTHER TIERS: 0.60% → $1k - $10k \| 0.70% → $10k - $50k
0.60%^*	$50k^*	-	1 Year IRA
OTHER TIERS: 0.40% → $1k - $10k \| 0.50% → $10k - $50k

Locations

Bakersfield City Employees Federal Credit Union Locations
Branch Office	2817 16th St	Bakersfield, CA 93301-3210

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