Valley Strong Credit Union Credit Cards

Valley Strong Credit Union serves customers in several Central California counties. Formerly known as Kern Schools Federal Credit Union, Valley Strong CU offers its members low interest rates and a personal approach to banking. Browse credit card offers below.

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Valley Strong Visa Platinum Card

Valley Strong Visa Platinum Card
Visit Card Site Terms & Conditions
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Visa Processing Network
None Annual Fee

Valley Strong Visa Platinum Card

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  • 13.5% to 17.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 13.5% to 17.9% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 13.5% to 17.9% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The Valley Strong Visa Platinum Card is one of two credit cards that Valley Strong Credit Union offers its members. This credit card features no annual fee and no fees on balance transfers. In addition, cardholders can take advantage of a lower-than-average interest rate. Keep reading to learn more about the details of this card.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No balance transfer fee
  • Competitive interest rates
  • Roadside dispatch
  • Regular Purchase APR: 13.5% to 17.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.5% to 17.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 13.5% to 17.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $10
  • Return Payment Penalty Fee: $15
  • You’re already a member of Valley Strong Credit Union or related to a member
  • You live and/or work in several Central California counties
  • You don’t want to pay an annual fee
  • You don’t want to pay fees for balance transfers
Read Full Review

Valley Strong Visa Rewards Card

Valley Strong Visa Rewards Card
Visit Card Site Terms & Conditions
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Visa Processing Network
None Annual Fee

Valley Strong Visa Rewards Card

Read Full Review
  • 17% to 17.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 17% to 17.9% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 17% to 17.9% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The Valley Strong Visa Rewards Card is one of two credit cards that Valley Strong Credit Union offers its members. It is also the only rewards card available to members of this California based financial institution. It features no annual fee and a competitive interest rate. Additionally, cardholders can earn cash back on their purchases. Keep reading for more information on this card.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No balance transfer fees
  • Earn 1% cash back on every purchase
  • Cash back credited monthly to your credit card account
  • Regular Purchase APR: 17% to 17.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 17% to 17.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 17% to 17.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $10
  • Return Payment Penalty Fee: $15
  • You’re already a member of Valley Strong Credit Union or related to a member
  • You live and/or work in several Central California counties
  • You want to earn cash back on every purchase they make
  • You do’t want to pay an annual fee
Read Full Review

About Valley Strong Credit Union

Valley Strong Credit Union is the new name of the former Kern Schools Federal Credit Union. The credit union traces its roots to 1938 and a group of concerned educators looking for a better way to bank. What is now Valley Strong CU began with a handful of teachers in Bakersfield, California. As the credit union continued to grow, it kept its presence in Kern County, hence the name Kern Schools Federal Credit Union. While initially only for Kern County Schools educators, membership in the credit union eventually expanded to include all those who lived and worked in the county. In 2020, Kern Schools Federal Credit Union began an ambitious plan to extend its reach beyond its home base of Kern County. The stated goal of the credit union was to open membership to those who reside in the nearby San Joaquin Valley. This change also brought the new name, Valley Strong Credit Union. Today, Valley Strong Credit Union boasts more than 150,000 members and over $2 billion in total assets, making it one of the largest credit unions in Central California.

Membership Eligibility

Joining Valley Strong Credit Union (the former Kern Schools Credit Union) is easy. The following individuals are eligible to join the credit union:
  • Anyone who lives, works, or worships in the following California counties:
    • Freson
    • Kern
    • Kings
    • Madera
    • Mariposa
    • Merced
    • San Joaquin
    • San Luis Obispo
    • Stanislaus
    • Tulare
  • The immediate family of a current Valley Strong Credit Union member
  • Members of the Financial Fitness Association
Those ineligible to join Valley Strong through residency can join via the Financial Fitness Association. This option requires an $8 per year fee, which Valley Strong covers for the first year.

Branch Locations

Valley Strong Credit Union currently operates ten branches and an administrative center. These offices and branches are at the following locations: Bakersfield, CA
  • 11500 Bolthouse Drive (Administrative Office)
  • 1341 Allen Road
  • 3300 Buena Vista Road, Suite J
  • 4530 Ming Avenue
  • 2424 Chester Avenue
  • 3901 Mount Vernon Avenue
  • 5001 Panama Lane
  • 6101 Coffee Road
  • 8200 Stockdale Highway, Suite P
Delano, CA
  • 1828 Cecil Avenue, Ste. A and B
Tehachapi, CA
  • 821 Tucker Road, Ste. A and B
For more information on Valley Strong locations, including directions, hours of operation, and more, please visit the credit union’s locations page.

FAQs About Valley Strong Credit Union

Here are some commonly asked questions about Valley Strong CU:

  • Kern Schools changed its name to Valley Strong Credit Union in February 2020.
  • The ABA routing number for Valley Strong is 322273722.

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