Bakersfield City Employees Federal Credit Union


Overview / Commentary
661-861-6151
2817 16th St
Bakersfield, CA 93301-4321

Bakersfield City Employees Federal Credit Union is headquartered in Bakersfield and is the 210th largest credit union in the state of California. It is also the 2,905th largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 6 employees and 2,084 members at 2 locations. Bakersfield City Employees Federal Credit Union has a B 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
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 Chartered1936
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD8.75%
Annual Interest Income$327K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$29.9MM$32MM
LoansQ1 2025vs Q1 2024$16.4MM$17.2MM
DepositsQ1 2025vs Q1 2024$26.7MM$29.4MM
Equity CapitalQ1 2025vs Q1 2024$3.1MM$2.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$52K$52K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$45K$64K
Real Estate OwnedQ1 2025vs Q1 2024$0$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Regular Share Account
0.05%$5-Club Account

Bakersfield City Employees Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%$1k-60 Month CD
0.60%$1k-48 Month CD
0.50%$1k-36 Month CD
0.40%$1k-24 Month CD
0.30%$1k-12 Month CD
0.20%$1k-6 Month CD

Bakersfield City Employees Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office2817 16th StBakersfield, CA 93301-3210
Branch Office1717 Truxtun AVeBakersfield, CA 93301

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