Personal Loans · Bakersfield, California
5 credit unions in Bakersfield report personal loan rates to the NCUA. Rates range from 10.25% to 14.49%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
10.25%
Lowest Rate
11.85%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | BAKERSFIELD CITY EMPLOYEES ★ 4.8 · 5 reviews | 10.25% | 9.90% |
| 2 | VALLEY STRONG ★ 4.8 · 40 reviews | 10.69% | 14.49% |
| 3 | ESPEECO ★ 4.4 · 5 reviews | 11.63% | — |
| 4 | STRATA ★ 3.3 · 81 reviews | 12.20% | 11.00% |
| 5 | SAFE 1 ★ 3.7 · 59 reviews | 14.49% | 11.25% |
If you have high-rate credit card balances, a personal loan from a Bakersfield credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.