Last Updated: 04/18/2025
Bakersfield City Employees FCU Club Account
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.010%(Verified 09/11/2024)
Minimum Opening Deposit
$5
Minimum Balance to Earn APY
N/A
Bakersfield City Employees FCU Club Account Review
Bakersfield City Employees FCU Club Account is offered by Bakersfield City Employees Federal Credit Union, a credit union founded in 1936 and based in Bakersfield, CA. Bakersfield City Employees FCU Club Account are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Low interest rate. The maximum annual percentage yield for this account is only 0.010%.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Small minimum initial deposit. You only need $5.00 to open an account.
Bakersfield City Employees FCU Club Account Pros & Cons
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Bakersfield City Employees FCU Club Account FAQ
Are savings accounts from Bakersfield City Employees Federal Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does Bakersfield City Employees Federal Credit Union offer a signup bonus?
Bakersfield City Employees FCU Club Account doesn't offer a signup bonus.
What is the minimum initial deposit for Bakersfield City Employees FCU Club Account?
The minimum deposit to open a Bakersfield City Employees FCU Club Account is $5.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Bakersfield City Employees FCU Club Account offer?
Bakersfield City Employees FCU Club Account offers an APY of 0.010% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does Bakersfield City Employees FCU Club Account charge?
Bakersfield City Employees FCU Club Account does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $20.00 fee.
- Incoming domestic bank transfers come with a $7.00 fee.
- Outgoing international bank transfers come with a $30.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- An overdraft on your account will trigger a $25.00 fee per item.
- Bakersfield City Employees FCU Club Account charges $7.00 every time you request a paper statement.
Does Bakersfield City Employees FCU Club Account charge overdraft fees?
Yes, Bakersfield City Employees FCU Club Account charges a $25.00 overdraft fee. Bakersfield City Employees FCU Club Account offers overdraft protection at a cost of $5.00 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.
What features and perks does Bakersfield City Employees FCU Club Account offer?
This savings account includes the following features:
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Bakersfield City Employees FCU Club Account?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for Bakersfield City Employees FCU Club Account?
The customer support email for Bakersfield City Employees FCU Club Account is mbrsrv@bakcityefcu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 5:30PM
Saturday
Closed