Since its inception in 1940 the KERN SCHOOLS FEDERAL CREDIT UNION has been serving its members in
and around the Bakersfield, California area
with exceptional financial products.
Currently led by
,
the KERN SCHOOLS FCU has grown it's membership to
over
194,000 with assets of more than
$1,582,630,000.
They have
483 full time employees
and 24 part time employees
with a
main office and 21 branch offices.
The KERN SCHOOLS FEDERAL CREDIT UNION offers it's members a full service website that allows for true
"Banking From Home" functionality. Users have the ability
to apply for loans,
get account balance and history reports,
transfer money between accounts,
make bill payments,
and so much more.
Members can also take advantage of a full array of loans including
real estate mortgages,
business loans
and
new
and used
car loans.
KERN SCHOOLS FEDERAL CREDIT UNION is registered as a Multiple group - primarily educational type Credit Union. This means that
anyone associated with Multiple groups - primarily educational may be eligible to join. Please see the credit unions website or contact them at
661-833-7900 to get exact details.
KERN SCHOOLS FEDERAL CREDIT UNION BRANCH LOCATIONS
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KERN SCHOOLS FEDERAL CREDIT UNION LOCATIONS
KERN SCHOOLS FCU Locations in CA
Click on any KERN SCHOOLS FCU location link to see the location placed into the map above. Driving
directions are also available if you need them.
Loan and Deposit Rates for the KERN SCHOOLS FCU
Please Note: The National Credit Union Administration (NCUA) requires all Credit Unions
Insured by the National Credit Union Share Insurance Fund (NCUSIF)to file quarterly (5300)
data reports. The information below comes from those reports.
The deposit and loan rates
shown are not the current rates for the KERN SCHOOLS FEDERAL CREDIT UNION. Some of these rates change on a daily
basis and you must visit the Credit Unions website
KSFCU.org to get their current rates. The sole purpose of showing this data is to show the relative relationship of
KERN SCHOOLS FCU 's rates versus the average rates of all Credit Unions at both the state and
national levels at a specific point in time, quarter end.
The data below is from quarter end 12/31/2009. You may also want to look at our pages that
show all
Credit Union Loan and Deposit Rates in California or
Credit Union Loan and Deposit Rates in the USA.
From those
pages you'll be able to investigate specific types of loans and deposit rates and sort the
data to find what Credit Unions are offering the best rates or the highest deposit rates.
Deposit Type
KERN SCHOOLS
State Average
National Average
KSFCU.org Deposit Rates at Quarter End
Checking Rate %
0.00%
0.31%
0.39%
Regular Savings Rate %
0.25%
0.47%
0.72%
Money Market Rate %
0.60%
0.75%
1.01%
Certificates of Deposit Rate %
5.13%
1.50%
1.90%
IRA/KEOGH Rate %
5.00%
1.46%
1.81%
All Other Savings Rate %
0.00%
0.65%
0.78%
KSFCU.org Loan Rates at Quarter End
Unsecured Credit Card Loan Rate %
0.00%
11.22%
10.94%
All Other Unsecured loans/Lines of Credit Rate %
12.00%
12.11%
12.02%
KSFCU New Car Loan Rate %
4.75%
6.03%
6.03%
KSFCU Used Car Loan Rate %
5.75%
6.87%
7.11%
1st Mortgage Real Estate/Lines of Credit Rate %
5.50%
5.55%
6.03%
Other Real Estate Loans/Lines of Credit Rate %
7.50%
5.67%
6.11%
All Other Loans/Lines of Credit Rate %
6.25%
6.64%
7.11%
KERN SCHOOLS FEDERAL CREDIT UNION Assets Range Over Last 10 Years
$2,000,000,000
$1,600,000,000
$1,200,000,000
$800,000,000
$400,000,000
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
KERN SCHOOLS FCU Outstanding Loans Over Last 10 Years
$2,000,000,000
$1,600,000,000
$1,200,000,000
$800,000,000
$400,000,000
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
KERN SCHOOLS FEDERAL CREDIT UNION Total Deposits Over Last 10 Years
$2,000,000,000
$1,600,000,000
$1,200,000,000
$800,000,000
$400,000,000
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
KERN SCHOOLS FCU Total Membership Count Over Last 10 Years
200,000
160,000
120,000
80,000
40,000
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
KERN SCHOOLS FEDERAL CREDIT UNION Branch Locations
30
24
18
12
6
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
The above graphs attempt to give our visitors a quick reflection into the KERN SCHOOLS FEDERAL CREDIT UNION business trends over the past 10 year period. Sometimes a visual chart can tell a story a lot
faster and clearer than just looking at a series of numbers. A quick look at the total loans and
deposits graphs for instance may give you a very good insight into the current state of affairs
for KERN SCHOOLS FCU . An upward sloping chart for these charts and a rise in membership would seem
to say that this Credit Union is doing something right. Of course you must use your own judgment
in reading the data that we're supplying you with. Disclaimer: The quarterly data we use is
available for viewing at the NCUA website which you can find via our
resource page.
We try our best to share this data as error free as
possible. Please see our Terms Page for usage rules and regulations.
Article Title: Why Choose Kern Schools Federal Credit Union
Located in Bakersfield, California, Kern Schools Federal Credit Union first opened in 1940, and is now worth 1.7 billion dollars and has more than 187,385 members. The credit union has both part-time and full-time employees so you are assured of timely, professional, and effective assistance each time you visit any of their branch offices. Also, Kern Schools provides online banking services, for convenient and easy transactions done mainly through the web. You can access your account or make payments easily online, especially if you are unable to make a personal appearance...
FINANCIAL STATUS OF KERN SCHOOLS FEDERAL CREDIT UNION
Total Assets
$1,582,630,603.00
Net Worth Ratio
4.89
Net Worth Classification by NCUA
Undercapitalized
Total Loans
$1,085,014,160.00
Total Deposits
$1,466,093,676.00
ADDITIONAL FINANCIAL SERVICES OFFERED BY KERN SCHOOLS FEDERAL CREDIT UNION
Do they offer Mortgage Processing?
Yes
Do they offer Overdraft Protection?
Yes
Do they offer Overdraft Lines of Credit?
Yes
Do they offer ATM/Debit Card program?
Yes
Do they offer Insurances/Investment Sales?
Yes
ACCESS TO ELECTRONIC FINANCIAL SERVICES OF KERN SCHOOLS FEDERAL CREDIT UNION
Do they provide Home Banking Via Internet Website?
Yes
Do they provide Wireless based service?
No
Do they provide Home Banking/PC based service?
No
Do they provide Audio Response/Phone based service
Yes
Do they provide ATM (Automated Teller Machine) access?
Yes
Do they provide Kiosk based service?
No
Other services?
No
KERN SCHOOLS FCU ONLINE ACCESS FUNCTIONALITY
Can website visitors get a Member Application?
Yes
Can website visitors get a New Loan?
Yes
Can website visitors access an Account Balance Inquiry?
Yes
Can website visitors order Checks?
No
Can website visitors get a New Share Account?
Yes
Can website visitors make Loan Payments?
Yes
Can website visitors access an "Account History" view?
Yes
Can website visitors purchase Merchandise?
Yes
Can website visitors share Account transfers?
Yes
Can website visitors make Bill Payments?
Yes
Can website visitors download the Account History?
Yes
Can website visitors use/get Electronic Cash?
No
Can website visitors make Account Aggregation?
No
Can website visitors get Internet Access Service?
Yes
Do they provide Signature Authentification?
No
LOAN SERVICES PROVIDED BY KERN SCHOOLS FEDERAL CREDIT UNION
KSFCU Loan Types
Do they offer Indirect Lending?
Yes
Do they offer Participation Loans?
No
Do they offer Real Estate Mortgage Loans?
Yes
Do they offer Member Business Loans?
Yes
Do they offer Risk Based Loans?
Yes
Do they offer Direct Financing Leases?
No
Do they offer Credit Cards Loans?
No
Do they offer New Vehicle Loans?
Yes
Do they offer Used Vehicle Loans?
Yes
Do they offer Unsecure Loans? (Other than Credit cards)
Yes
KSFCU Member Business Loans
Do they offer Agricultural Loans?
No
Do they offer Construction and Development Loans?
No
Do they offer Small Business Administration Loans?
No
Do they offer Unsecured Business Loans?
No
KSFCU Real Estate Loans
Do they offer Adjustable Rate 1st Mortgages with Rate Adjustment at least once a Year?
No
Do they offer Adjustable Rate 1st Mortgages with Rate Adjustment less often than once a Year?
No
Do they offer Balloon/Hybrid 1st Mortgages 5 Years or Shorter?
No
Do they offer Balloon/Hybrid 1st Mortgages Longer than 5 Years?
No
Do they offer Closed End Adjustable Rate 2nd Mortgages?
No
Do they offer Closed End Fixed Rate 2nd Mortgages?
Yes
Do they offer Fixed Rate 1st Mortgages 15 Years or Shorter?
Yes
Do they offer Fixed Rate 1st Mortgages Longer than 15 Years?
Yes
Do they offer Interest Only 1st Mortgages?
Yes
Do they offer Open End Adjustable Rate 2nd Mortgages?
Yes
Do they offer Open End Fixed Rate 2nd Mortgages?
No
Total of 1st Mortgages made YTD that were Sold
$108,580,357.00
Do they offer Unclassifiable Fixed Rate 1st Mortgages?
No
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KERN SCHOOLS FEDERAL CREDIT UNION ROUTING NUMBER
KERN SCHOOLS FEDERAL CREDIT UNION
Routing No.
Rev. Date
Address
City
State
Zip Code
Phone
122287549
05-15-2007
9500 MING AVENUE
BAKERSFIELD
California
93389
909-723-1231
322273722
06-02-2004
PO BOX 9506
BAKERSFIELD
California
93389
661-833-7830
(The above data was last updated by the Federal Reserve, the central bank of the USA, on 03/11/2010)
The KERN SCHOOLS FCU Routing Number above is used for the electronic transfer of funds. Some credit unions have more than one routing number. Some are used for internal fund transfers and others may be assigned for shareholder usage. Please make sure that the number you use matches the routing number on your KERN SCHOOLS FCU check. If in doubt use the KERN SCHOOLS FEDERAL CREDIT UNION phone number above to call and verify that you're using the correct routing number.