Kern Federal Credit Union

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A short history of Kern FCU

Since its inception in 1949 the Kern Federal Credit Union has been serving its members in the BAKERSFIELD, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Brandon Ivie, the Kern FCU has grown its membership to over 19,211 with assets of more than $244,842,356. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (661) 327-9461 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in BAKERSFIELD, CA.

General Information For Kern FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 6032
Address PO BOX 1667 
State California 
Zip-Code 93302
Phone Number (661) 327-9461
Fax Number (661) 327-2646
Email Address:
CEO/President Brandon Ivie
Members 19,211 
Full-Time Employees 58 
Part-Time Employees
Number of Branch Offices
Total Assets 244,842,356 

Compare Kern Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Bakersfield City Employees CU Galaxy 5600 Crooks Rd Ste 101 48098 (800) 876-9000 No 0.98
Espeeco CU Share One Corp. 2650 Thousand Oaks Blvd 38118 (800) 888-0766 No 1.73
Safe 1 CU Main Office 1400 Mill Rock Way 93311 (661) 327-3818 No 5.02
Kern Schools CU Frontier High School 6401 Allen Rd 93389 (661) 833-7900 No 5.63

Kern Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Kern Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.75 1.99 2.24 3.50 8.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 227 34 35 72 483
Rank Among All California Credit Unions 41 15 20 22 132

Kern Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.05 0.30 0.35 0.35
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 143 97 293 250
Rank Among All California Credit Unions 24 45 24 88 67
Kern Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.7505,4748,726,271
All Other Unsecured Loans/Lines of Credit 18.0003,1798,387,385
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 1.9902,38957,257,363
Used Vehicle Loans 2.2402,78240,633,359
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.50043960,016,058
Total Other Real Estate Loans/Lines of Credit 8.25066822,825,365
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.8803594,747,778
TOTAL LOANS & LEASES 15,290202,593,579

Kern Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 28445,050,365203,307,950
    b. 15 Years or less 12512,016,9913700,000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 111,166,17800
Adjustable Rate > 1 yr 191,782,52400


Closed-End Fixed Rate 42616,405,628643,090,491
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 2426,419,73722564,711
Open-End Fixed Rate 0000
TOTALS 1,10782,841,4231097,663,152


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Kern Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes