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| Preferred Draft Account (PDA) | Share Secured Loan | Signature Loan | Overdraft Protection Loan | |
|---|---|---|---|---|
| Description | Revolving line of credit; draw funds as you need them on an ongoing basis | Borrow against funds you have in your savings account | Fixed rate, personal installment loan | Revolving line of credit; draw funds as you need them on an ongoing basis |
| No Annual Fee | ||||
| Overdraft Transfer Fee | N/A | N/A | N/A | N/A |
| Access to funds | By check, transfer, teller withdrawal, or emergency transfer to protect against overdraft | Single Disbursement | Single Disbursement | By check, transfer, teller withdrawal, or emergency transfer to protect against overdraft |
| Qualification | Based on your credit score and other factors | Based on your balance in your Strata share savings, share certificate, or money market account | Based on your credit score and other factors | Based on your credit score and other factors |
| Loan Type | APR* as low as |
|---|---|
| Preferred Draft Account | APR* |
| Share Secured Loan | APR* |
| Signature Loan | APR* |
How To Get Started
• Sit down with a Financial Services Rep
• Apply Online
• Check Your Application Status
• Call us 24/7 at (661) 327-9461 or toll-free at (800) 336-5376
Do You Offer Debt Consolidation Loans?
Strata CU does offer loans for our members to consolidate bills and pay off other debts. There are several options available to most members. This may include personal loans, credit card balance transfers, home equity loans/lines, or even a first mortgage.
If you would like to discuss options before applying, simply call a Member Representative at (661) 327-9461. They are trained to assess your personal situation and decide what loan type fits best.How To Make a Payment From Another Financial Institution?
With online banking, you can set up external transfers while within online banking. Sign into online banking and select “Add External Accounts” in the left navigation. Follow the instructions on the screen to set up the link between our online banking and your other financial institution. Part of the process will be to verify micro-transactions sent to the external account you indicated to ensure the connection is secure and successful. After you have successfully finished verifying, you will be able to transfer money to make your loan payment from within online banking.
Direct cash loans and credit lines for your personal and household needs.
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.
