Strata Credit Union – Riverlakes is a member-owned financial cooperative serving the Bakersfield community from its Riverside-adjacent location at 4180 Coffee Rd. The organization operates within the framework of a credit union, emphasizing democratic member control, as is customary in cooperative financial institutions. Its history reflects the broader evolution of credit unions in the United States, growing from small, community-based associations to larger, more diverse financial service providers that retain a cooperative governance structure.
Primary functions include the provision of deposit accounts, consumer loans, and other standard financial services typical of credit unions, implemented to meet members’ short- and medium-term financial needs. The credit union operates within the regulatory environment that governs not-for-profit financial cooperatives, focusing on prudent financial management, safety of members’ funds, and transparent governance. Operational scope encompasses local community engagement, member services at a branch level, and compliance with applicable federal and state regulations designed to protect deposits and maintain financial stability.
Better than 28% of providers in Bakersfield
In addition to the primary service, Strata Credit Union- Riverlakes also offers:
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Strata Credit Union- Riverlakes is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Strata Credit Union- Riverlakes is listed as a financial service provider in Bakersfield, CA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Strata Credit Union- Riverlakes to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Strata Credit Union- Riverlakes, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Strata Credit Union- Riverlakes with other providers in Bakersfield and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Strata Credit Union- Riverlakes has a rating of 4.2, which is better than 28% of providers in Bakersfield.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Strata Credit Union- Riverlakes requests. It is always best to call ahead using the phone number on this page so Strata Credit Union- Riverlakes can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Strata Credit Union- Riverlakes also offers: Loan agency, ATM, Car finance and loan company, Credit union, Financial consultant, Financial planner, Federal credit union, Mortgage lender.