What are the current interest rates at Sierra Pacific Federal Credit Union?

Current rates for Sierra Pacific Federal Credit Union include: MMA: 3.25%

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Sierra Pacific Federal Credit Union

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Sierra Pacific Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sierra Pacific Federal 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: May 6, 2026

Sierra Pacific Federal Credit Union's money market rates are at 3.25%. Sierra Pacific Federal Credit Union's First Mortgages 15 Year rates are at 5.50%, First Mortgages 30 Year rates are at 6.25%. Sierra Pacific Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Sierra Pacific Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.56%. Rates were last updated on 05/06/2026.

Sierra Pacific Federal 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 Pacific Federal Credit Union? Share your experience about Sierra Pacific Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sierra Pacific Federal Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.56%

Excellent Lower than avg

Sierra Pacific Federal Credit Union
GOB

6100 Neil Rd Ste 150
Reno, NV 89511

https://www.sierrapacificfcu.org

Sierra Pacific Federal Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Club Account	-	0.10%
Details as high as Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Sierra Pacific Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	3.25%
Details as high as; Rates increase as balance increases Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Sierra Pacific Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
First Mortgages 15 Year	5.50%	-	5.73%
Details 15 Year Fixed Rates Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
First Mortgages 30 Year	6.25%	-	6.47%
Details 30 Year Fixed Rate Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Sierra Pacific Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa	-	8.99%
Details As Low As Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Sierra Pacific Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal/Unsecured	-	9.99%
Details As Low As Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sierra Pacific Federal 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 Pacific Federal 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 Pacific Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sierra Pacific Federal Credit Union

Website https://www.sierrapacificfcu.org

Address 6100 Neil Rd Ste 150, Reno, NV 89511

Phone 775-834-4579

Fax 775-834-3272

President Jim Hunting

CEO Leslie Ramsdell

Full-Time Employees 19

Part-Time Employees 1

Branch Locations 5

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.56%

Return on Assets (ROA)

0.7389%

Return on Equity (ROE)

5.5091%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

182,317,647

Total Amount of Shares and Deposits

156,855,683

Total Shares and Deposits < 1 Year

156,855,683

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

9,378,409

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

9,378,409

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

147,477,274

Total Interest Expense (Sum of items 6 8)

2,065,860

Share Certificates

Number of Accounts for Share Drafts

4,813

IRA KEOGH Accounts

131

Number of Accounts for Regular Shares

10,663

All other shares

880

Money Market Shares

1,099

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

50,435,796

Total Liabilities

158,389,829

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Sierra Pacific Federal Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Sierra Pacific Federal Credit Union

How many branches does Sierra Pacific Federal Credit Union operate?

Sierra Pacific Federal 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 Pacific Federal Credit Union?

Yes, to access services at Sierra Pacific Federal 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 Pacific Federal 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 Pacific Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sierra Pacific Federal Credit Union offer online and mobile banking?

Most modern institutions like Sierra Pacific Federal 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.sierrapacificfcu.org.