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iAdvertiser Disclosure
Advertiser Disclosure
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 Sierra Pacific Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 4, 2026
Sierra Pacific Federal Credit Union's money market rates are at 3.40%. Sierra Pacific Federal Credit Union's First Mortgages 15 Year rates are at 5.62%, 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 04/04/2026. 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. Sierra Pacific Federal Credit Union
GOB 6100 Neil Rd Ste 150
https://www.sierrapacificfcu.org Reno, NV 89511 
Sierra Pacific Federal Credit Union Savings Rates
Sierra Pacific Federal Credit Union Money Market Rates
Sierra Pacific Federal Credit Union Checking Rates
Sierra Pacific Federal Credit Union Mortgage Rates
Sierra Pacific Federal Credit Union Credit Card Rates
Sierra Pacific Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
24
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
Frequently Asked Questions About Sierra Pacific Federal Credit UnionIs Sierra Pacific Federal Credit Union a safe place to deposit money?Yes, Sierra Pacific Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.564511667765%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Sierra Pacific Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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