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Sierra Central Credit Union

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Sierra Central Credit Union Rates & Review November 2026

Q: 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%

Q: What CD terms does Sierra Central Credit Union offer?

Sierra Central Credit Union CD rates are 3.50% APY for a 12 month CD, 3.17% APY for an 18 month CD, 3.30% APY for a 2 year CD, 3.33% APY for a 3 year CD, 3.40% APY for a 4 year CD and 3.51% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Sierra Central Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Sierra Central Credit Union's CD: 60-Month rates are at 3.51%, CD: 12-Month rates are at 3.50%, CD: 48-Month rates are at 3.40%, CD: 36-Month rates are at 3.33%, CD: 24-Month rates are at 3.30%. Sierra Central Credit Union's savings rates are at 2.53%. Sierra Central Credit Union's money market rates are at 2.27%. Sierra Central Credit Union's checking rates are as high as 1.25%. Sierra Central Credit Union's VA Fixed Rate Mortgage (15-Year) rates are at 6.75%, Adjustable Rate Mortgage (2/2) rates are at 5.50%, Fixed Rate Mortgage (15-Year) rates are at 6.62%, Adjustable Rate Mortgage (5/1) rates are at 6.38%, Fixed Rate Mortgage (20-Year) rates are at 6.88%. Sierra Central Credit Union's Personal Loan Rates are as low as 8.24%. Sierra Central Credit Union's Credit Card Rates are at 7.74%. Sierra Central Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026.

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 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 months
Min Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.18% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
15-Month Share Certificate Special	-	4.18%	15 months
Min Balance $100,000 Details Rate as high as 4.18% APY on balances of $100,000 or more Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.18% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
(SPECIAL) Share Certificate: 15-Month	4.05%	4.13%	15 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
(SPECIAL) Share Certificate: 15-Month	4.00%	4.07%	15 months
Min Balance $500 Details Balance: $500 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
7-Month Share Certificate Special	-	3.82%	7 months
Min Balance $100,000 Details Rate as high as 3.82% APY on balances of $100,000 or more Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.82% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Special Rate: 7 Month	3.75%	3.82%	7 months
Min Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Special Rate: 7 Month	3.70%	3.76%	7 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Special Rate: 7 Month	3.65%	3.71%	7 months
Min Balance $500 Details Balance: $500 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 60-Month	3.45%	3.51%	60 months
Min Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 12-Month	3.45%	3.50%	12 months
Min Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 12-Month	3.40%	3.45%	12 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 60-Month	3.40%	3.45%	60 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 12-Month	3.35%	3.40%	12 months
Min Balance $500 Details Balance: $500 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 48-Month	3.35%	3.40%	48 months
Min Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 60-Month	3.35%	3.40%	60 months
Min Balance $500 Details Balance: $500 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 48-Month	3.30%	3.35%	48 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 36-Month	3.28%	3.33%	36 months
Min Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 24-Month	3.25%	3.30%	24 months
Min Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 48-Month	3.25%	3.30%	48 months
Min Balance $500 Details Balance: $500 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 36-Month	3.23%	3.28%	36 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 18-Month	3.22%	3.27%	18 months
Min Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 24-Month	3.20%	3.25%	24 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 36-Month	3.18%	3.23%	36 months
Min Balance $500 Details Balance: $500 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.23% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 18-Month	3.17%	3.22%	18 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.22% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 24-Month	3.15%	3.20%	24 months
Min Balance $500 Details Balance: $500 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 18-Month	3.12%	3.17%	18 months
Min Balance $500 Details Balance: $500 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.17% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 6-Month	3.10%	3.14%	6 months
Min Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.14% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 6-Month	3.05%	3.09%	6 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.09% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 6-Month	3.00%	3.04%	6 months
Min Balance $500 Details Balance: $500 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 3-Month	2.80%	2.84%	3 months
Min Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.84% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 3-Month	2.75%	2.78%	3 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.78% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Share Certificate: 3-Month	2.70%	2.73%	3 months
Min Balance $500 Details Balance: $500 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.73% APY · checked 5 times 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 Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.53% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	2.25%	2.27%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	2.00%	2.02%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	1.75%	1.76%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	1.50%	1.51%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Savings	1.00%	1.00%
Min Balance $0 Details As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Club Accounts	0.12%	0.12%
Min Balance $0 Details Max deposit amounts: Holiday - $10,000; Vacation - $15,000; Tax - $25,000; Back-to-School Club - $20,000; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	0.07%	0.07%
Min Balance $0 Details Balance: $0.01 - $2,499.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.07% APY · checked 5 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 Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.53% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	2.25%	2.27%
Min Balance $300,000 Details Balance: $300,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	2.25%	2.27%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	2.00%	2.02%
Min Balance $200,000 Details Balance: $200,000 - $299,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	2.00%	2.02%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Flex Money Market	1.75%	1.76%
Min Balance $100,000 Details Balance: $100,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	1.75%	1.76%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	1.75%	1.76%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	1.50%	1.51%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	1.50%	1.51%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Flex Money Market	1.25%	1.26%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	1.25%	1.26%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Flex Money Market	0.85%	0.85%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Flex Money Market	0.70%	0.70%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Flex Money Market	0.60%	0.60%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Flex Money Market	0.07%	0.07%
Min Balance $0 Details Balance: $0.01 - $2,499.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	0.07%	0.07%
Min Balance $0 Details Balance: $0.01 - $24,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
IRA Money Market Savings	0.07%	0.07%
Min Balance $0 Details Balance: $0.01 - $2,499.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.07% APY · checked 5 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 Balance $300,000 Details Balance: $300,000 and over; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Prime Checking	0.99%	0.99%
Min Balance $200,000 Details Balance: $200,000 - $299,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.99% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Prime Checking	0.75%	0.75%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Prime Checking	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Prime Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Prime Checking	0.07%	0.07%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Prime Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Sierra Central Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
VA Fixed Rate Mortgage (15-Year)	6.75%	-	6.92%	15 years
Details As of October 29, 2026 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.80% → 6.92% ▲ 0.12 pts · high 7.18% / low 6.80% Oct 30, 20266.92%▼ from 7.18% Oct 14, 20267.18%▲ from 6.80% Sep 14, 20266.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Adjustable Rate Mortgage (2/2)	5.50%	-	6.96%
Details We charge a loan origination fee of 1% of the loan amount; As of October 29, 2026 Last Updated 10/30/2026 Rate History 9 changes since Sep 14, 2026 · 6.65% → 6.96% ▲ 0.31 pts · high 7.06% / low 6.65% Oct 30, 20266.96%▼ from 7.00% Oct 26, 20267.00%▼ from 7.01% Oct 19, 20267.01%▲ from 6.92% Oct 14, 20266.92%▲ from 6.90% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Fixed Rate Mortgage (15-Year)	6.625%	-	7.07%	15 years
Details We charge a loan origination fee of 1% of the loan amount; As of October 29, 2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 6.82% → 7.07% ▲ 0.25 pts · high 7.58% / low 6.82% Oct 30, 20267.07%▼ from 7.20% Oct 19, 20267.20%▼ from 7.58% Oct 14, 20267.58%▲ from 6.82% Sep 14, 20266.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Adjustable Rate Mortgage (5/1)	6.375%	-	7.17%
Details We charge a loan origination fee of 1% of the loan amount; As of October 29, 2026 Last Updated 10/30/2026 Rate History 8 changes since Sep 14, 2026 · 6.95% → 7.17% ▲ 0.22 pts · high 7.42% / low 6.95% Oct 30, 20267.17%▼ from 7.30% Oct 26, 20267.30%▼ from 7.33% Oct 14, 20267.33%▼ from 7.40% Oct 10, 20267.40%▼ from 7.42% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Fixed Rate Mortgage (20-Year)	6.875%	-	7.24%	20 years
Details We charge a loan origination fee of 1% of the loan amount; As of October 29, 2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 7.24% → 7.24% ▼ 0.00 pts · high 7.62% / low 7.24% Oct 30, 20267.24%▼ from 7.49% Oct 19, 20267.49%▼ from 7.62% Oct 14, 20267.62%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Fixed Rate Mortgage (30-Year)	7.00%	-	7.28%	30 years
Details We charge a loan origination fee of 1% of the loan amount; As of October 29, 2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 7.15% → 7.28% ▲ 0.13 pts · high 7.53% / low 7.15% Oct 30, 20267.28%▼ from 7.41% Oct 19, 20267.41%▼ from 7.53% Oct 14, 20267.53%▲ from 7.15% Sep 14, 20267.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
VA Fixed Rate Mortgage (30-Year)	7.375%	-	7.56%	30 years
Details As of October 29, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.92% → 7.56% ▲ 0.64 pts · high 7.56% / low 6.92% Oct 14, 20267.56%▲ from 6.92% Sep 14, 20266.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Sierra Central Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
10-year Small Balance Home Equity Loan	7.625%	-	7.66%	10 years
Details As of October 29, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.41% → 7.66% ▲ 0.25 pts · high 7.66% / low 7.41% Oct 30, 20267.66%▲ from 7.41% Sep 14, 20267.41%first recorded 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 As Low As; Up to 14.99%; 125% of MSRP (includes tax, license and MRC) + GAP; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
New & Used Auto Loans	4.99%	-	4.99%
Details As Low As; APR range 4.99% - 14.99%; Apply online, through local branch, or at participating dealership; Membership discounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 11 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%	7.99%	Up to 180 months
Details As Low As; APR range 7.99% - 16.49%; Fixed interest rate; Loan amount $5,000 - $150,000; New or used; Purchase or refinance; Skip-A-Pay available up to 2x every 12 months; Loans available online or by visiting local branch Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 10 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 As Low As; Up to 15.99%; LTV up to 150% of invoice or wholesale NADA guide values where max vehicle age <= 10 years; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Boat Loans	9.99%	9.99%	Up to 180 months
Details As Low As; APR range 9.99% - 16.24%; Fixed interest rate; Loan amount $5,000 - $150,000; New or used; Loans available online or by visiting local branch Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Boat: New or Used Loan	-	9.99%
Details As Low As; Up to 16.24%; LTV up to 150% of invoice or wholesale NADA guide values; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Motorcycle & Powersport (Jet-Ski/Snowmobile) Loan	9.99%	9.99%	Up to 72 months
Details As Low As; APR range 9.99% - 15.99%; Fixed interest rate; Loan amount $5,000 - $35,000; New or used; Purchase or refinance; Skip-A-Pay available up to 2x every 12 months; Loans available online or by visiting local branch Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Motorcycle: New or Used Loan	-	9.99%
Details As Low As; Up to 15.99%; LTV up to 90%; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

Sierra Central Credit Union Credit Card Rates

Product	Rate	APR
Cash Back VISA	-	7.74%
Details Intro/promo APR: 6.99%; As Low As; Intro rate expires: 6 payment cycles; Regular APR: 7.74% - 15.74%; Balance Transfer APR: 13.74% - 19.74%; Cash Advance APR: 15.74% - 21.74%; Earn 2% cash back on all purchases, plus 3% in select categories Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 10.99% → 7.74% ▼ 3.25 pts · high 13.74% / low 7.74% Oct 19, 20267.74%▼ from 13.74% Oct 14, 202613.74%▲ from 10.99% Oct 10, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Premier VISA	-	11.74%
Details As Low As; Intro Rate 8.99%; Regular APR: 11.74% - 17.99%; 25-day grace period on purchases; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Cash Back VISA	-	13.74%
Details As Low As; Intro rate 6.99% for 6 months from account opening on qualifying transactions; Regular APR: 13.74% - 21.74%, based on the Prime Rate plus a margin; APR rates shown in order 1) Purchases, 2) Balance Transfers, 3) Cash advance; As of October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 10, 2026 · 10.99% → 13.74% ▲ 2.75 pts · high 13.74% / low 10.99% Oct 14, 202613.74%▲ from 10.99% Oct 10, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Premier Rewards VISA	-	13.74%
Details As Low As; Intro rate 10.99% for 6 months; Regular APR: 13.74% - 19.99%, based on the Prime Rate plus a margin; As of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 13.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Rewards VISA	-	13.74%
Details Intro/promo APR: 10.99%; Intro rate expires: not stated; Regular APR: 13.74% - 19.99%; Rewards points redeemable for Amazon Pay, PayPal, gift cards, travel, merchandise; Credit lines $1,000 to $25,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 13.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Business VISA	-	16.74%
Details As Low As; Intro rate 13.99% for 6 months; Regular APR: 16.74% - 22.99%, based on the Prime Rate plus a margin; As of October 1, 2026 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 16.74% → 16.74% ▼ 0.00 pts · high 18.99% / low 16.74% Oct 14, 202616.74%▼ from 18.99% 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%
Business VISA	-	18.99%
Details Regular APR: 16.74% - 22.99%; Variable rate: Prime + 9.99% after introductory rate period; Credit lines $10,000 to $50,000 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 16.74% → 18.99% ▲ 2.25 pts · high 18.99% / low 16.74% Oct 19, 202618.99%▲ from 16.74% Oct 14, 202616.74%▼ from 18.99% 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 Regular APR: 21.74% - 27.99%; Credit line of $500 or $1,000; No annual fee Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 21.74% → 18.99% ▼ 2.75 pts · high 21.74% / low 18.99% Oct 19, 202618.99%▼ from 21.74% Oct 14, 202621.74%▲ from 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%
First VISA	-	21.74%
Details As Low As; Intro rate 18.99% for 6 months; Regular APR: 21.74% - 27.99%, based on the Prime Rate plus a margin; As of October 1, 2026 Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 21.74% → 21.74% ▼ 0.00 pts · high 21.74% / low 18.99% Oct 14, 202621.74%▲ from 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%
Secured VISA	-	22.99%
Details Regular APR: 22.99%; Credit lines $300 to $2,000; Refundable deposit held in secured savings account Last Updated 10/30/2026 Rate History 4 changes since Sep 14, 2026 · 22.99% → 22.99% ▼ 0.00 pts · high 22.99% / low 7.74% Oct 14, 202622.99%▲ from 7.74% Oct 1, 20267.74%▼ from 22.99% Sep 27, 202622.99%▲ from 7.74% Sep 22, 20267.74%▼ from 22.99% 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; 8.24% APR available October 1, 2026, subject to change; up to 3-month payment deferral available through October 31, 2026; subject to credit approval; not all applicants qualify for the lowest rate Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Signature Loan	8.24%	3 months
Details Term: Terms from 3 to 5 years; As Low As; APR range 8.24% - 18.39%; Unsecured fixed-amount personal loan; Loan amount $3,000 - $25,000; Fixed payments; Skip-A-Pay available up to 2x every 12 months; Apply online or at local branch Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.24% APR · checked 4 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
First Time Home Buyers (Town of Paradise) Loan	7.00%	-	7.28%
Details We charge a loan origination fee of 1% of the loan amount; As of October 29, 2026 Last Updated 10/30/2026 Rate History 6 changes since Sep 14, 2026 · 7.15% → 7.28% ▲ 0.13 pts · high 7.79% / low 7.15% Oct 30, 20267.28%▼ from 7.41% Oct 19, 20267.41%▼ from 7.53% Oct 10, 20267.53%▼ from 7.79% Oct 2, 20267.79%▲ from 7.66% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Line of Credit	14.74%	-	14.74%
Details As Low As; APR range 14.74% - 23.74%; Unsecured personal line of credit; Lines from $500 to $25,000; Fixed rate with open-ended term; Usable as overdraft protection on checking Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 14.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Lot Loan	8.625%	-	8.93%
Details We charge a loan origination fee of 1% of the loan amount; As of October 29, 2026 Last Updated 10/30/2026 Rate History 6 changes since Sep 14, 2026 · 8.68% → 8.93% ▲ 0.25 pts · high 9.44% / low 8.68% Oct 30, 20268.93%▼ from 9.06% Oct 19, 20269.06%▼ from 9.44% Oct 14, 20269.44%▲ from 9.32% Oct 2, 20269.32%▲ from 9.19% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Investor Money Market	-	-	2.27%
Min Balance $300,000 Details Balance: $300,000 or more; Special limited-time rate, APY as high as 2.27% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 11 times 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

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

Does Sierra Central Credit Union offer CDs?

Yes. Sierra Central Credit Union current CD rates include its CD: 60-Month at 3.51% APY, its CD: 12-Month at 3.50% APY and its CD: 48-Month at 3.40% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Sierra Central Credit Union NCUA insured?

Yes. Sierra Central Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Sierra Central Credit Union?

The highest Sierra Central Credit Union CD rate is its (SPECIAL) CD: 15-Month at 4.18% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Sierra Central Credit Union offer?

Sierra Central Credit Union CD rates are 3.50% APY for a 12 month CD, 3.17% APY for an 18 month CD, 3.30% APY for a 2 year CD, 3.33% APY for a 3 year CD, 3.40% APY for a 4 year CD and 3.51% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Sierra Central Credit Union for its full lineup.

What is the highest savings rate at Sierra Central Credit Union?

The highest Sierra Central Credit Union savings rate is its IRA Savings at 1.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Sierra Central Credit Union?

The highest Sierra Central Credit Union money market rate is its IRA Money Market Savings at 2.53% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Sierra Central Credit Union?

The highest Sierra Central Credit Union checking rate is its Prime Checking at 1.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Sierra Central Credit Union?

The lowest Sierra Central Credit Union 30 year fixed mortgage rate is its Fixed Rate Mortgage (30-Year) at 7.00%, verified by MonitorBankRates as of October 30, 2026. Sierra Central Credit Union mortgage rates are 7.00% for a 30 year mortgage, 6.875% for a 20 year mortgage and 6.625% for a 15 year mortgage.

What is the lowest auto loan rate at Sierra Central Credit Union?

The lowest Sierra Central Credit Union auto loan rate is its Auto: New or Used at 4.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Sierra Central Credit Union?

The lowest Sierra Central Credit Union personal loan rate is its Personal Loan at 8.24% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Sierra Central Credit Union?

The lowest Sierra Central Credit Union credit card APR is its Cash Back VISA Credit Card at 7.74% APR, verified by MonitorBankRates as of October 30, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Sierra Central Credit Union rates compare?

Sierra Central Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. Sierra Central Credit Union's top rates are its (SPECIAL) CD: 15-Month at 4.18% APY, its IRA Money Market Savings at 2.53% APY, its Investor Money Market at 2.27% APY, its Prime Checking at 1.25% APY, its Adjustable Rate Mortgage (2/2) at 5.50%, its Personal Loan at 8.24% APR and its Cash Back VISA Credit Card at 7.74% APR, verified by MonitorBankRates on October 30, 2026.

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.

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Sierra Central Credit Union Rates & Review November 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 Home Equity & HELOC

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

Does Sierra Central Credit Union offer CDs?

Are CDs from Sierra Central Credit Union NCUA insured?

What is the highest CD rate at Sierra Central Credit Union?

What CD terms does Sierra Central Credit Union offer?

What is the highest savings rate at Sierra Central Credit Union?

What is the highest money market rate at Sierra Central Credit Union?

What is the highest checking rate at Sierra Central Credit Union?

What is the lowest 30 year fixed mortgage rate at Sierra Central Credit Union?

What is the lowest auto loan rate at Sierra Central Credit Union?

What is the lowest personal loan rate at Sierra Central Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Sierra Central Credit Union rates compare?

Current Sierra Central Credit Union Rates

Compare to Other Credit Unions