Featured Savings Rates
Featured Accounts

Kern Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.00%Reward CheckingKasasa Cash
0.50%Reward SavingsKasasa Saver
0.35%1-year CDOne Year Add-On Jumbo CD

Overview / Commentary
661-327-9461
1717 Truxtun Ave
Bakersfield, CA 93301-5102

Kern Federal Credit Union is headquartered in Bakersfield and is the 103rd largest credit union in the state of California. It is also the 885th largest credit union in the nation. It was established in 1949 and as of March of 2016, it had grown to 56 employees and 20,242 members at 2 locations. Kern Federal Credit Union has an A health rating.

Field of Membership Restrictions

Must live, work, worship or go to school in Kern County, California.
See current membership details

Reviews (1)

Kern Fcu, A Great Place To Start!

Posted by: Marie2016 | Mar 18, 2016

I have been a member of this institution for about 12 years now. I opened my first checking and savings accounts and have not looked back since. The location is fantastic, I am always able to get in and out relatively fast. Even on Fridays, which is nearly impossible at most similar institutions. The service has always been fast and friendly. I have utilized mobile banking quite often with little to no issues. If there is anything I need assistance with, the representatives are always a quick call away and able to answer all my questions. I also feel really safe and secure when utilizing their website due to the security authentication processes. They are far more detailed than others I have experienced in the past and this allows me to accomplish a lot more online. The fees are minimal, and only takes $25 to open a checking account. Kern FCU is definitely a great institution, I highly recommend them!



Health
A

Health Grade Components

Overall
NCUA #6032
Year Chartered1949
Employees56
Primary Regulator
Profit Margin
Return on Assets - YTD-0.4%
Return on Equity - YTD-3.03%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$232.4MM$226.0MM
LoansQ1 2016vs Q1 2015$176.0MM$161.4MM
DepositsQ1 2016vs Q1 2015$199.8MM$194.6MM
Equity CapitalQ1 2016vs Q1 2015$30.0MM$29.0MM
Loan Loss AllowanceQ1 2016vs Q1 2015$1.4MM$2.0MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$1.0MM$1.2MM
Real Estate OwnedQ1 2016vs Q1 2015$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.

Kern Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*-$10kKasasa Saver - Qualifying
OTHER TIERS: 0.25% $10k+
0.05%$100-Savings Account
0.05%$100-IRA Savings Account

Kern Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-Money Market Account
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $10k | 0.15% $10k - $50k | 0.20% $50k - $100k

Kern Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+
0.05%--Plus Checking
0.00%--Kasasa Cash Back

Kern Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%$1k-36 Month CD
0.55%$1k-24 Month CD
0.35%$1k-12 Month CD
0.35%$100k-12 Month Jumbo CD
0.35%$1k-One Year Bump-Up CD
0.35%$1k-One Year Bump-Up Jumbo CD
0.35%$1k-One Year Add-On CD
0.35%$1k-One Year Add-On Jumbo CD
0.30%$1k-6 Month CD
0.30%$100k-6 Month Jumbo CD
0.20%$1k-3 Month CD
0.20%$100k-3 Month Jumbo CD

Kern Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-60 Month IRA Certificate
1.05%$1k-48 Month IRA Certificate
0.80%$1k-36 Month IRA Certificate
0.55%$1k-24 Month IRA Certificate
0.35%$1k-12 Month IRA Certificate
0.35%$100k-12 Month Jumbo IRA Certificate
0.35%$1k-One Year Bump-Up IRA
0.35%$1k-One Year Bump-Up Jumbo IRA
0.35%$1k-One Year Add-On IRA
0.35%$1k-One Year Add-On Jumbo IRA
0.30%$1k-6 Month IRA Certificate
0.30%$100k-6 Month Jumbo IRA Certificate
0.20%$1k-3 Month IRA Certificate
0.20%$100k-3 Month Jumbo IRA Certificate
Locations


Kern Federal Credit Union Locations
Branch Office4180 Coffee RdBakersfield, CA 93308
Branch Office1717 Truxtun AveBakersfield, CA 93301-5102