What are the current interest rates at Sierra Central Credit Union?

Current rates for Sierra Central Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.17%, 24-Month CD: 3.20%, 60-Month CD: 3.40%, Savings: 2.53%, MMA: 2.27%

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Sierra Central Credit Union

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Sierra Central Credit Union Rates & Review October 2026

Q: Is a member application needed to join Sierra Central Credit Union?

Yes, to access services at Sierra Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sierra Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Sierra Central Credit Union's top rates as of October 10, 2026 are 4.18% APY on its (SPECIAL) CD: 15-Month, 2.53% APY on savings, 2.27% APY on money market accounts, 1.25% APY on checking, 5.50% on its Adjustable Rate Mortgage (2/2), personal loans from 8.24% APR, and credit cards from 7.74% APR, according to rates verified by MonitorBankRates. Other Sierra Central Credit Union CD rates include 15-Month CD Special at 4.18%, (SPECIAL) CD: 15-Month at 4.13%, and (SPECIAL) CD: 15-Month at 4.07%. Other Sierra Central Credit Union mortgage rates include VA Fixed Rate Mortgage (15-Year) at 7.00%, Adjustable Rate Mortgage (5/1) at 6.62%, and Fixed Rate Mortgage (15-Year) at 7.00%. MonitorBankRates evaluates the financial stability of Sierra Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.22%. Rates last updated and verified on 10/10/2026.

Sierra Central Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sierra Central Credit Union? Share your experience about Sierra Central Credit Union by leaving a review below, or read customer reviews before you decide to use Sierra Central Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.22%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Sierra Central Credit Union
Yuba City Branch

1351 Harter Pkwy
Yuba City, CA 95993-2604

https://www.sierracentral.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Sierra Central Credit Union CD Rates

Product	Rate	APY	Term
(SPECIAL) Share Certificate: 15-Month	4.10%	4.18%	15-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.18% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
15-Month Share Certificate Special	-	4.18%	15 Month
Min Balance $100,000 Details On balances of $100,000 or more. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.18% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
(SPECIAL) Share Certificate: 15-Month	4.05%	4.13%	15-Month
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.13% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
(SPECIAL) Share Certificate: 15-Month	4.00%	4.07%	15-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
7-Month Share Certificate Special	-	3.82%	7 Month
Min Balance $100,000 Details On balances of $100,000 or more. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Special Rate: 7 Month	3.75%	3.82%	7 Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 10, 20263.82%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Special Rate: 7 Month	3.70%	3.76%	7 Month
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.76% ▲ 0.31 pts · high 3.76% / low 3.45% Oct 10, 20263.76%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Special Rate: 7 Month	3.65%	3.71%	7 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.71% ▲ 0.31 pts · high 3.71% / low 3.40% Oct 10, 20263.71%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 60-Month	3.45%	3.51%	60-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.51% ▲ 0.06 pts · high 3.51% / low 3.45% Sep 22, 20263.51%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 12-Month	3.45%	3.50%	12-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45% Sep 22, 20263.50%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 12-Month	3.40%	3.45%	12-Month
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40% Sep 22, 20263.45%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 60-Month	3.40%	3.45%	60-Month
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40% Sep 22, 20263.45%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 12-Month	3.35%	3.40%	12-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35% Sep 22, 20263.40%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 48-Month	3.35%	3.40%	48-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35% Sep 22, 20263.40%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 60-Month	3.35%	3.40%	60-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35% Sep 22, 20263.40%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 48-Month	3.30%	3.35%	48-Month
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30% Sep 22, 20263.35%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 36-Month	3.28%	3.33%	36-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.28% → 3.33% ▲ 0.05 pts · high 3.33% / low 3.28% Sep 22, 20263.33%▲ from 3.28% Sep 14, 20263.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 24-Month	3.25%	3.30%	24-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25% Sep 22, 20263.30%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 48-Month	3.25%	3.30%	48-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25% Sep 22, 20263.30%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 36-Month	3.23%	3.28%	36-Month
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.23% → 3.28% ▲ 0.05 pts · high 3.28% / low 3.23% Sep 22, 20263.28%▲ from 3.23% Sep 14, 20263.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 18-Month	3.22%	3.27%	18-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.22% → 3.27% ▲ 0.05 pts · high 3.27% / low 3.22% Sep 22, 20263.27%▲ from 3.22% Sep 14, 20263.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 24-Month	3.20%	3.25%	24-Month
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.25% ▲ 0.05 pts · high 3.25% / low 3.20% Sep 22, 20263.25%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 36-Month	3.18%	3.23%	36-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.18% → 3.23% ▲ 0.05 pts · high 3.23% / low 3.18% Sep 22, 20263.23%▲ from 3.18% Sep 14, 20263.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 18-Month	3.17%	3.22%	18-Month
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.17% → 3.22% ▲ 0.05 pts · high 3.22% / low 3.17% Sep 22, 20263.22%▲ from 3.17% Sep 14, 20263.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 24-Month	3.15%	3.20%	24-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 3.15% Sep 22, 20263.20%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 18-Month	3.12%	3.17%	18-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.12% → 3.17% ▲ 0.05 pts · high 3.17% / low 3.12% Sep 22, 20263.17%▲ from 3.12% Sep 14, 20263.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 6-Month	3.10%	3.14%	6-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.14% ▲ 0.04 pts · high 3.14% / low 3.10% Sep 22, 20263.14%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 6-Month	3.05%	3.09%	6-Month
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.09% ▲ 0.04 pts · high 3.09% / low 3.05% Sep 22, 20263.09%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 6-Month	3.00%	3.04%	6-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.04% ▲ 0.04 pts · high 3.04% / low 3.00% Sep 22, 20263.04%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 3-Month	2.80%	2.84%	3-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.80% → 2.84% ▲ 0.04 pts · high 2.84% / low 2.80% Sep 22, 20262.84%▲ from 2.80% Sep 14, 20262.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 3-Month	2.75%	2.78%	3-Month
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 2.78% ▲ 0.03 pts · high 2.78% / low 2.75% Sep 22, 20262.78%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 3-Month	2.70%	2.73%	3-Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.70% → 2.73% ▲ 0.03 pts · high 2.73% / low 2.70% Sep 22, 20262.73%▲ from 2.70% Sep 14, 20262.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Sierra Central Credit Union Savings Rates

Product	Rate	APY
IRA Money Market Savings	2.50%	2.53%
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 2.50% → 2.53% ▲ 0.03 pts · high 2.53% / low 2.27% Sep 22, 20262.53%▲ from 2.27% Sep 18, 20262.27%▼ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	2.25%	2.27%
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 2.27% ▲ 0.02 pts · high 2.27% / low 2.25% Sep 18, 20262.27%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	2.00%	2.02%
Min Deposit $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.02% ▲ 0.02 pts · high 2.02% / low 2.00% Sep 18, 20262.02%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	1.75%	1.76%
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.75% → 1.76% ▲ 0.01 pts · high 1.76% / low 1.75% Sep 18, 20261.76%▲ from 1.75% Sep 14, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	1.50%	1.51%
Min Deposit $2,500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50% Sep 18, 20261.51%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Savings	1.00%	1.00%
Min Deposit $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Club Accounts	0.12%	0.12%
Min Deposit $0 Details Max deposit amounts for Holiday - $10,000; Vacation - $15,000; Tax - $25,000; and Back-to-School Club - $20,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	0.07%	0.07%
Min Deposit $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Sierra Central Credit Union Money Market Rates

Product	Rate	APY
IRA Money Market Savings	2.50%	2.53%
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 2.50% → 2.53% ▲ 0.03 pts · high 2.53% / low 2.27% Sep 22, 20262.53%▲ from 2.27% Sep 18, 20262.27%▼ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	2.25%	2.27%
Min Deposit $300,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 2.27% ▲ 0.02 pts · high 2.27% / low 2.25% Sep 18, 20262.27%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	-	2.27%
Min Balance $300,000 Details APY as high as; On balances of $300,000 or more. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	2.25%	2.27%
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 2.27% ▲ 0.02 pts · high 2.27% / low 2.25% Sep 18, 20262.27%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	2.00%	2.02%
Min Deposit $200,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.02% ▲ 0.02 pts · high 2.02% / low 2.00% Sep 18, 20262.02%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	2.00%	2.02%
Min Deposit $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.02% ▲ 0.02 pts · high 2.02% / low 2.00% Sep 18, 20262.02%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Flex Money Market	1.75%	1.76%
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.75% → 1.76% ▲ 0.01 pts · high 1.76% / low 1.75% Sep 18, 20261.76%▲ from 1.75% Sep 14, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	1.75%	1.76%
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.75% → 1.76% ▲ 0.01 pts · high 1.76% / low 1.75% Sep 18, 20261.76%▲ from 1.75% Sep 14, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	1.75%	1.76%
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.75% → 1.76% ▲ 0.01 pts · high 1.76% / low 1.75% Sep 18, 20261.76%▲ from 1.75% Sep 14, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	1.50%	1.51%
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50% Sep 18, 20261.51%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	1.50%	1.51%
Min Deposit $2,500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50% Sep 18, 20261.51%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Flex Money Market	1.25%	1.26%
Min Deposit $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 1.26% ▲ 0.01 pts · high 1.26% / low 1.25% Sep 18, 20261.26%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	1.25%	1.26%
Min Deposit $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 1.26% ▲ 0.01 pts · high 1.26% / low 1.25% Sep 18, 20261.26%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Flex Money Market	0.85%	0.85%
Min Deposit $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 0.85% ▲ 0.10 pts · high 0.85% / low 0.75% Oct 10, 20260.85%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Flex Money Market	0.70%	0.70%
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 0.70% ▲ 0.05 pts · high 0.70% / low 0.65% Oct 10, 20260.70%▲ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Flex Money Market	0.60%	0.60%
Min Deposit $2,500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.40% → 0.60% ▲ 0.20 pts · high 0.60% / low 0.40% Oct 10, 20260.60%▲ from 0.40% Sep 14, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Flex Money Market	0.07%	0.07%
Min Deposit $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	0.07%	0.07%
Min Deposit $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	0.07%	0.07%
Min Deposit $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Sierra Central Credit Union Checking Rates

Product	Rate	APY
Prime Checking	1.24%	1.25%
Min Deposit $300,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 1.25% → 1.25% ▼ 0.00 pts · high 1.25% / low 1.24% Oct 1, 20261.25%▲ from 1.24% Sep 27, 20261.24%▼ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Prime Checking	0.99%	0.99%
Min Deposit $200,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.99% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Prime Checking	0.75%	0.75%
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Prime Checking	0.20%	0.20%
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Prime Checking	0.10%	0.10%
Min Deposit $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Prime Checking	0.07%	0.07%
Min Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Prime Checking	0.05%	0.05%
Min Deposit $2,500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Sierra Central Credit Union Mortgage Rates

Product	Rate	Points	APR
Adjustable Rate Mortgage (2/2)	5.50%	-	6.90%
Details We charge a loan origination fee of 1% of the loan amount Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 6.65% → 6.90% ▲ 0.25 pts · high 7.06% / low 6.65% Oct 10, 20266.90%▼ from 7.06% Oct 1, 20267.06%▲ from 6.96% Sep 27, 20266.96%▲ from 6.88% Sep 22, 20266.88%▲ from 6.87% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
VA Fixed Rate Mortgage (15-Year)	7.00%	-	7.18%
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 18, 2026 · 6.80% → 7.18% ▲ 0.38 pts · high 7.18% / low 6.67% Oct 10, 20267.18%▲ from 6.67% Oct 2, 20266.67%▼ from 7.18% Sep 22, 20267.18%▲ from 6.80% Sep 18, 20266.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Adjustable Rate Mortgage (5/1)	6.625%	-	7.40%
Details We charge a loan origination fee of 1% of the loan amount Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 6.95% → 7.40% ▲ 0.45 pts · high 7.42% / low 6.95% Oct 10, 20267.40%▼ from 7.42% Oct 1, 20267.42%▲ from 7.33% Sep 27, 20267.33%▲ from 7.15% Sep 22, 20267.15%▼ from 7.18% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Fixed Rate Mortgage (15-Year)	7.00%	-	7.45%
Details We charge a loan origination fee of 1% of the loan amount Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 6.95% → 7.45% ▲ 0.50 pts · high 7.45% / low 6.95% Oct 2, 20267.45%▲ from 7.33% Sep 27, 20267.33%▲ from 6.95% Sep 18, 20266.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Fixed Rate Mortgage (20-Year)	7.125%	-	7.49%
Details We charge a loan origination fee of 1% of the loan amount Last Updated 10/10/2026 Rate History 4 changes since Sep 18, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.74% / low 7.24% Oct 10, 20267.49%▼ from 7.74% Oct 1, 20267.74%▲ from 7.62% Sep 27, 20267.62%▲ from 7.36% Sep 22, 20267.36%▲ from 7.24% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Fixed Rate Mortgage (30-Year)	7.25%	-	7.53%
Details We charge a loan origination fee of 1% of the loan amount Last Updated 10/10/2026 Rate History 4 changes since Sep 18, 2026 · 7.15% → 7.53% ▲ 0.38 pts · high 7.79% / low 7.15% Oct 10, 20267.53%▼ from 7.79% Oct 2, 20267.79%▲ from 7.66% Oct 1, 20267.66%▲ from 7.53% Sep 27, 20267.53%▲ from 7.15% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
VA Fixed Rate Mortgage (30-Year)	7.375%	-	7.56%
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 18, 2026 · 6.92% → 7.56% ▲ 0.64 pts · high 7.56% / low 6.92% Oct 10, 20267.56%▲ from 7.05% Oct 2, 20267.05%▼ from 7.56% Sep 27, 20267.56%▲ from 7.05% Sep 22, 20267.05%▲ from 6.92% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Sierra Central Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto: New or Used	-	-	4.99%
Details Up to 14.99%; 125% of MSRP (includes tax, license and MRC) + GAP Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
New & Used Auto Loans	-	-	4.99%
Details APR as low as: from Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Sierra Central Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loans	-	7.99%	Up to 180-Months
Details APR as low as: from Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
ATV, Jet Ski, Snowmobile: New or Used Loan	-	9.99%
Details Up to 15.99%; LTV up to 150% of invoice or wholesale NADA guide values where max vehicle age <= 10 years Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Boat Loans	-	9.99%	Up to 180-Month
Details APR as low as: from Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Boat: New or Used Loan	-	9.99%
Details Up to 16.24%; LTV up to 150% of invoice or wholesale NADA guide values Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Motorcycle & Powersport (Jet-Ski/Snowmobile) Loan	-	9.99%	Up to 72-Months
Details APR as low as: from Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Motorcycle: New or Used Loan	-	9.99%
Details Up to 15.99%; LTV up to 90% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Sierra Central Credit Union Credit Card Rates

Product	Rate	APR
Business VISA	-	7.74%
Details Published APR range: 7.74% - 15.74%. Internationally recognized and easy to use. Whether you are making a mobile purchase, paying a vendor, or having staff make quick purchases. Let us help your business grow. Internationally recognized for small business. Low variable rate that adjusts to prime interest rate plus 9.99% after the introductory rate period. Access to funds when you need it. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 16.74% → 7.74% ▼ 9.00 pts · high 16.74% / low 7.74% Oct 10, 20267.74%▼ from 16.74% Sep 14, 202616.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Cash Back VISA	-	7.74%
Details Published APR range: 7.74% - 15.74%. Introductory rate as low as 6.99% APR* for the first 6 payment cycles. Earn 2% Cash Back on all purchases. Plus, 3% Cash Back in select categories ( click for details ). Tap to Pay for fast and secure purchases. Added VISA benefits such as Travel Accident Insurance , Travel and Emergency Assistance , and more Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
First VISA	-	7.74%
Details Published APR range: 7.74% - 15.74%. Credit line of either $500 or $1,000. No annual fee. A Sierra Central VISA card is recognized worldwide. Add to your mobile wallet. Can be used as an overdraft protection option for your Sierra Central Checking account. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 21.74% → 7.74% ▼ 14.00 pts · high 21.74% / low 7.74% Oct 10, 20267.74%▼ from 21.74% Sep 18, 202621.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Premier VISA	-	7.74%
Details Published APR range: 7.74% - 15.74%. Low variable rate that adjusts to prime interest rate plus "as low as" 4.99% after the introductory rate period. Introductory rate for the first 6 payment cycles. Added VISA benefits such as Travel Accident Insurance , Travel and Emergency Assistance , and more. Credit lines from $1,000 to $25,000. 25 day grace period on purchases. Low introductory rates. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 11.74% → 7.74% ▼ 4.00 pts · high 11.74% / low 7.74% Oct 1, 20267.74%▼ from 11.74% Sep 14, 202611.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Secured VISA	-	7.74%
Details Published APR range: 7.74% - 15.74%. Build credit. Set your credit limit. Your refundable deposit is held in a secured Savings account. The credit limit on your card is established at a level $200 below your security deposit. An everyday card for your purchases. Use your card wherever credit cards are accepted. It works just like a traditional Credit card, and it looks the same, too - merchants can't tell the difference between a secured card and traditional card. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 22.99% → 7.74% ▼ 15.25 pts · high 22.99% / low 7.74% Oct 1, 20267.74%▼ from 22.99% Sep 27, 202622.99%▲ from 7.74% Sep 22, 20267.74%▼ from 22.99% Sep 14, 202622.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Rewards VISA	-	8.99%
Details Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period. 25 day grace period on purchases. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Cash Back VISA	-	10.99%
Details Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period. 25 day grace period on purchases. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Premier VISA	-	11.74%
Details Up to 17.99%; 25-day grace period on purchases. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Rewards VISA	-	13.74%
Details Published APR range: 13.74% - 19.99%. Earn points on purchases redeemable for cash back, Amazon, and more. Competitive Rates. No Cost Balance Transfer. No Annual Fee. Tap-to-Pay. Added VISA benefits such as Travel Accident Insurance , Travel and Emergency Assistance , and more. Credit lines from $1,000 to $25,000. 25 day grace period on purchases. Low introductory rates. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 13.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Business VISA	-	18.99%
Details A variable rate that adjusts to the prime interest rate plus a rate margin. 25 day grace period on purchases. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 16.74% → 18.99% ▲ 2.25 pts · high 18.99% / low 16.74% Oct 10, 202618.99%▲ from 16.74% Sep 14, 202616.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
First VISA	-	18.99%
Details Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period. 25 day grace period on purchases. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 21.74% → 18.99% ▼ 2.75 pts · high 21.74% / low 18.99% Oct 10, 202618.99%▼ from 21.74% Sep 18, 202621.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Premier VISA	-	18.99%
Details Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period. 25 day grace period on purchases. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 11.74% → 18.99% ▲ 7.25 pts · high 18.99% / low 11.74% Oct 10, 202618.99%▲ from 11.74% Sep 14, 202611.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Sierra Central Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.24%
Details As Low As; up to a 3-month payment deferral Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Signature Loan	8.24%	3 to 5 years
Details APR as low as: from Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Sierra Central Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
First Time Home Buyers (Town of Paradise) Loan	7.25%	-	7.53%
Details We charge a loan origination fee of 1% of the loan amount Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 7.15% → 7.53% ▲ 0.38 pts · high 7.79% / low 7.15% Oct 10, 20267.53%▼ from 7.79% Oct 2, 20267.79%▲ from 7.66% Oct 1, 20267.66%▲ from 7.53% Sep 27, 20267.53%▲ from 7.15% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Line of Credit	-	-	14.74%	open-ended
Details APR as low as: from Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 14.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Lot Loan	9.00%	-	9.32%
Details We charge a loan origination fee of 1% of the loan amount Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 8.68% → 9.32% ▲ 0.64 pts · high 9.32% / low 8.68% Oct 2, 20269.32%▲ from 9.19% Sep 27, 20269.19%▲ from 8.81% Sep 18, 20268.81%▲ from 8.68% Sep 14, 20268.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Sierra Central Credit Union’s Texas Ratio rose from 2.21% in Q3 2023 to 3.22% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	3.22%	5.0	A+
March 31, 2026	$1.5B	3.01%	5.0	A+
December 31, 2025	$1.5B	3.37%	5.0	A+
September 30, 2025	$1.5B	2.20%	5.0	A+
June 30, 2025	$1.5B	2.68%	5.0	A+
March 31, 2025	$1.5B	3.61%	5.0	A+
December 31, 2024	$1.5B	4.09%	5.0	A+
September 30, 2024	$1.4B	2.79%	5.0	A+
June 30, 2024	$1.4B	2.86%	5.0	A+
March 31, 2024	$1.4B	3.18%	5.0	A+
December 31, 2023	$1.5B	3.17%	5.0	A+
September 30, 2023	$1.5B	2.21%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sierra Central Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Sierra Central Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Sierra Central Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sierra Central Credit Union

Website https://www.sierracentral.com

Address 1351 Harter Pkwy, Yuba City, CA 95993-2604

Phone 800-222-7228

Fax 530-671-7679

President Tony Galyean

CEO Ron Sweeney

Full-Time Employees 219

Part-Time Employees 6

Branch Locations 20

ATM Locations 19

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.22%

Return on Assets (ROA)

0.3534%

Return on Equity (ROE)

3.5328%

Non-Performing Loans Ratio (NPL)

0.55%

Total Assets

1,504,297,699

Total Amount of Shares and Deposits

1,341,220,348

Total Shares and Deposits < 1 Year

1,290,987,171

Total Shares and Deposits 1 3 Years

37,508,802

Total Shares and Deposits > 3 Years

12,724,375

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

109,245,560

Total Uninsured Shares and Deposits > $250K (F+J)

109,245,560

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,231,974,788

Total Interest Expense (Sum of items 6 8)

11,164,806

Share Certificates

8,001

Number of Accounts for Share Drafts

39,110

IRA KEOGH Accounts

2,386

Number of Accounts for Regular Shares

102,485

All other shares

900

Money Market Shares

4,387

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

195,574,791

Total Liabilities

1,353,277,381

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Sierra Central Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Sierra Central Credit Union

How many branches does Sierra Central Credit Union operate?

Sierra Central Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Sierra Central Credit Union?

Yes, to access services at Sierra Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Sierra Central Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sierra Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sierra Central Credit Union offer online and mobile banking?

Most modern institutions like Sierra Central Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sierracentral.com.

Current Sierra Central Credit Union Rates

12-Month CD3.40%
18-Month CD3.17%
24-Month CD3.20%
60-Month CD3.40%
Savings2.53%
MMA2.27%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Sierra Central Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sierra Central Credit Union Texas Ratio

Sierra Central Credit Union Health Trend

Sierra Central Credit Union CD Rates

Sierra Central Credit Union Savings Rates

Sierra Central Credit Union Money Market Rates

Sierra Central Credit Union Checking Rates

Sierra Central Credit Union Mortgage Rates

Sierra Central Credit Union Auto Loan Rates

Sierra Central Credit Union RV, Boat and Powersport Loan Rates

Sierra Central Credit Union Credit Card Rates

Sierra Central Credit Union Personal Loan Rates

Sierra Central Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Sierra Central Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Sierra Central Credit Union

How many branches does Sierra Central Credit Union operate?

Is a member application needed to join Sierra Central Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sierra Central Credit Union offer online and mobile banking?

Current Sierra Central Credit Union Rates

Compare to Other Credit Unions