At a glance
From its website, read 2 Nov 2026Valley Strong Credit Union is a credit union based in Bakersfield, California. Its website describes auto loans, commercial real estate loans, equipment loans and 4 other loan types. Consumer loan APRs stated on its site range from 12% to 17.9%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Phone | (661) 833-7505 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.valleystrong.com |
| Office (official list) | 11500 Bolthouse Dr, Bakersfield, CA 93311 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: 12%–17.9% APR | 12.00%-17.90%* Annual percentage rate of purchases. | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | 5.49% – 21.74% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | 11.00% - 26.00% | source |
| Home mortgages | Term: see their wording | Opt for a 15-year fixed to own your home faster and save on interest | source |
| Home mortgages | Term: see their wording | Amortized over 30 years | source |
| Personal / consumer loans | Term: see their wording | 11.00% APR* up to 60 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral flexible or not always required
Available to homeowners with no collateral required.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 29 Apr 2023 |
| RSSD ID | 511579 |
| Address | 11500 Bolthouse Dr, Bakersfield, CA 93311 Directions (Google Maps) |
| Website | www.valleystrong.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Auto and personal loan amounts are not stated as ranges on the pages, and the service area comes only from mortgage advisor regions. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Start your dream journey with a Valley Strong Auto Loan. | source |
| Commercial real estate loans | — | Elevate your real estate portoflio with dedicated financing support. | source |
| Equipment loans | — | Purchase the tools your business needs to be successful. | source |
| Home mortgages | — | A fixed-rate mortgage is a loan where the interest rate remains the same for the entire term of the loan, guaranteeing consistent monthly payments. | source |
| Personal / consumer loans | — | A personal loan from Valley Strong offers competitive rates and flexible terms to help you reach your goals. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Empowering small businesses with flexible, growth-focused SBA financing. | source |
| Small-business loans | — | Fuel your business growth with flexible financing options | source |
Loan sizes
Loan amounts up to $3,000,000
source
Service area
Not stated on the pages we read.
Borrower focus
- Startups
Fuel your business dreams with financial support and personalized guidance.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Get quick access to loans through our online application portal.
source
Pages read (7)
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$900,000 in 1 award from the U.S. Treasury's CDFI Fund, 2024 (CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $900,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as VALLEY STRONG (charter 68712). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $4.1 billion (as of 30 Jun 2026) |
|---|---|
| Members | 240,116 (as of 30 Jun 2026) |
| Offices | 29 (as of 30 Jun 2026) |
Offices by state and county (29)
California (29 offices)
- Kern County (17): 11500 Bolthouse Dr, Bakersfield 93311 (main office); 1200 New Stine Rd, Bakersfield 93309; 1341 Allen Rd, Bakersfield 93314; 16227 Stockdale Hwy, Bakersfield 93314; 2424 Chester Ave, Bakersfield 93301; 2800 Buena Vista Rd, Bakersfield 93311; 3300 Buena Vista Rd, Bakersfield 93311; 3901 Mount Vernon Ave, Bakersfield 93306; 4530 Ming Ave, Bakersfield 93309; 5001 Panama Ln, Bakersfield 93313; 501 S Mount Vernon Ave, Bakersfield 93307; 6101 Coffee Rd, Bakersfield 93308; 6401 Allen Rd, Bakersfield 93314; 7301 Old River Rd, Bakersfield 93311; 8501 Stine Rd, Bakersfield 93313; 1828 Cecil Ave Ste A, Delano 93215; 1002 W Tehachapi Blvd, Tehachapi 93561
- Kings County (2): 1259 13th Ave, Hanford 93230; 216 W 8th St, Hanford 93230
- San Joaquin County (5): 200 S School St, Lodi 95240; 206 E Yosemite Ave, Manteca 95336; 18 S Center St, Stockton 95202; 2405 S Airport Way, Stockton 95206; 4603 N Pershing Ave, Stockton 95207
- Solano County (2): 3660 Nelson Rd, Fairfield 94533; 90 Nut Tree Rd, Vacaville 95688
- Tulare County (3): 1245 W El Monte Way, Dinuba 93618; 1989 E Prosperity Ave, Tulare 93274; 1501 S Mooney Blvd, Visalia 93277
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Valley Strong Credit Union (NCUA charter 68712, filed as “VALLEY STRONG”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $2.89 billion, 95,582 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 1.0% from $2.86 billion on 30 Jun 2025 |
| Members | 240,116 (as of 30 Jun 2026); 347,778 (as of 30 Jun 2025) |
| Loans per member | $12,047 (total loans divided by members, 30 Jun 2026) |
| Total assets | $4.08 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $97.5 million | 3.4% |
| Used vehicle loans | $399.9 million | 13.8% |
| First-lien home mortgages (1-4 family) | $1.20 billion | 41.6% |
| Other real estate loans (junior liens, other) | $534.7 million | 18.5% |
| Commercial (business) loans | $388.2 million | 13.4% |
| Other unsecured loans | $123.6 million | 4.3% |
| Leases and other secured loans | $145.4 million | 5.0% |
None reported on the 30 Jun 2026 report: credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Valley Strong Credit Union reported 1,204 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $211.8M (median loan about $75,000). 181 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 181 | 15% |
| Refinance (incl. 101 cash-out) | 134 | 11% |
| Home improvement | 384 | 32% |
| Other purpose | 505 | 42% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 1,204 | 100% |
Included above: 763 home-equity or other open-end lines of credit; 7 loans on manufactured homes; 4 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 36 counties with at least one; 99% of its 2025 loans were for properties in California:
- Kern County, CA (824)
- San Joaquin County, CA (134)
- Tulare County, CA (92)
- Solano County, CA (49)
- Sacramento County, CA (12)
- Fresno County, CA (11)
- Los Angeles County, CA (11)
- Orange County, CA (11)
Filed under LEI 5493006MA7WP1WL8U431 as “Valley Strong Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 2 → 12 | Rank among the 21 certified CDFIs in California with SBA approvals in either period: 14 → 7. |
| Total assets (Call Report, 30 Jun 2026) | $4.08 billion | Larger than 100% of the 25 other certified credit unions in California (median $425.5 million). |
| Loans as a share of assets | 71% | Median of the same 25 credit unions: 72%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $2.86 billion → $2.89 billion (+1%) | Median change of 24 other certified credit unions in California: +5%. Rank by loans held among these 25: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 1,204 | More than 94% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in California with SBA approvals FY2023–2026 | 20 | rank 14 → 7 of 21 |
| Call Report total assets | other certified credit unions in California | 25 | larger than 100% |
| Loans held then vs now | certified credit unions in California reporting both dates | 24 | rank 1 → 1 of 25 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 94% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 16 SBA-backed approvals for Valley Strong Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 16 504 projects as the third-party (first-lien) lender: $14.9M in total (its own third-party loan amount), median $443,970
By fiscal year: FY2020 1 · FY2021 0 · FY2022 1 · FY2023 2 · FY2024 0 · FY2025 3 · FY2026 9.
What actually happened
- Size of its 504 first-lien loans (third-party lender): half were between $224,174 and $1.4M, median $443,970 (16 loans)
- Term of its 504 first-lien loans (third-party lender): median 300 months (25 years) (16 loans)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 504 projects (as the third-party lender) (16, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Health care and social assistance (3)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Valley Strong Credit Union”, “Valley Strong CU”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Valley Strong Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Bakersfield and California
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
Work at Valley Strong Credit Union? Link to this page
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