Bank of the Sierra

I Opened My Account Online Last Year (2009) And Was Able To Verify My Documents By Faxing Them

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I opened my account online last year (2009) and was able to verify my documents by faxing them.

My account has been earning the interest (strated with 4.59% APY) for the last few months.

I also use my card at other ATM machines and get it refunded when the requirements are met.


Awe some bank..i just wish the max deposit is higher than $25k ( $50K like view point bank)



Great Bank!

The interest earned on this account is one of the best you can find anywhere. I don't understand the reviewers who give this a low rating and say that it's difficult to get the rewards rate. Nothing could be further from the truth. I've been with Bank of the Sierra since early this year, and so far it has been fantastic!

My only disappointments are that the interest rate has dropped since I opened the account (from 4.09% to a still excellent 3.09%), and the website is really not too great, in my opinion. Thus, 4, not 5, stars. But all in all I am very happy! And it is nice to support a local bank and not one of the big boys like Chase.

I Opened Several Accounts About 6 Months Ago And Have No Issues

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I opened several accounts about 6 months ago and have no issues.  Great interest rate.  I would recommend to otheres.

Agree To Disagree

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Everyone of course in entitled to their own opninion but it sounds to me like the persons who have negative things to say and state that the bank makes them jump through hoops to get the higher interest just want the money handed to them. The qualifications are clearly stated on the website for all to see and also given to you when the account is opened in your disclosures. It is your choice whether you choose to read this or not. Nothing in this world is free so just meet the qualifications and you get the interest, it's quite simple. Kuddos to the person who commented that he has not had a problem..why has he not problems? because he met his qualifications! So just suck it up and accept the fact that you didn't do what you were supposed to do to get the higher rate..



Health Grade Components

FDIC Certificate #22597
Year Established1978
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.45%
Return on Equity - YTD12.66%
Annual Interest Income$57.6MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$3.27B$3.11B
LoansQ2 2021vs Q2 2020$2.12B$2.20B
DepositsQ2 2021vs Q2 2020$2.78B$2.52B
Equity CapitalQ2 2021vs Q2 2020$385.0MM$347.1MM
Loan Loss AllowanceQ2 2021vs Q2 2020$16.4MM$13.6MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$7.0MM$5.2MM
Real Estate OwnedQ2 2021vs Q2 2020$774.00K$2.8MM
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Always verify rates and promotions with the bank or credit union. We are not Bank of the Sierra; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Bank of the Sierra Savings Account Rates

0.59%*-$25kSierra Reward Savings - Qualifying
OTHER TIERS: 0.25% $25k+

Bank of the Sierra Checking Account Rates

1.01%*-$25kSierra Reward Checking - Qualifying
OTHER TIERS: 0.25% $25k+


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