Kern Schools Federal Credit Union (KSFCU) of Bakersfield, California has been serving members for more than 74 years, currently from 13 locations. Its type of membership is a primarily education field common bond.
Checking services include no cost share drafts, share certificates with low minimum balance requirements, bill pay services, overdraft protection and overdraft lines of credit. Debit cards and prepaid debit cards are available.
For members needing to establish credit, the credit union offers a credit builder program. Financial counseling, financial education and financial literacy workshops are among the capabilities they offer.
In addition to vehicle and personal loans and other types of credit, KSFCU can do real estate loans and has a first time homebuyer program. Convenience services include check cashing and money orders. Kern Schools FCU members may also take advantage of bilingual services, in-school branches, student scholarships, income tax preparation assistance and tax refund loans.
Business and professional services include business share accounts, business loans, merchant processing services/payment processing, mortgage processing and the credit union is an approved mortgage seller. Individuals with other financial, savings, and investment needs will want to consider health savings accounts, certificates of deposits and insurance/investment products that are offered.
The "virtual branch office" can be accessed via web banking, bank by phone and smartphone. Electronically from anywhere, you can apply for membership, apply for a loan, inquire into your account, order checks, open a new share account, loan payments, check previous transactions, make purchases, make share account transfers, bill payer service, download your account history, view electronic statements and do remote deposits.
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