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Sierra Central Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.sierracentral.com
800-222-7228
1351 Harter Pkwy
Yuba City, CA 95993

Sierra Central Credit Union is headquartered in Yuba City and is the 45th largest credit union in the state of California. It is also the 325th largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 216 employees and 84,426 members at 18 locations. Sierra Central Credit Union's money market rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Sierra Central Credit Union is open to those who live, work, worship, or attend school in the California counties of Alpine, Amador, Butte, Colusa, El Dorado, Glenn, Lassen, Modoc, Nevada, Placer, Plumas, Sacramento, Shasta, Sierra, Tehama, Tuolumne, Sutter, Yolo, or Yuba.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68053
Year Chartered1955
Employees216
Primary Regulator
Profit Margin
Return on Assets - YTD0.28%
Return on Equity - YTD2.92%
Annual Interest Income$18.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.46B$1.45B
LoansQ1 2025vs Q1 2024$1.03B$1.03B
DepositsQ1 2025vs Q1 2024$1.32B$1.29B
Equity CapitalQ1 2025vs Q1 2024$139.9MM$137.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$19.4MM$17.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$5.9MM$5.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sierra Central Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%*$100*-Regular Savings
OTHER TIERS: 0.05% → $0 - $100
0.12%*$100*-Minor Savings
OTHER TIERS: 0.05% → $0 - $100
0.12%$0-Holiday Club
0.12%$0-Tax Club
0.12%$0-Vacation Club
0.12%$0-Back to School Club
0.12%*$100*-Membership Savings
OTHER TIERS: 0.05% → $0 - $100

Sierra Central Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%*$300k*-Investor Money Market
OTHER TIERS: 0.07% → $0 - $25k | 1.51% → $25k - $50k | 1.76% → $50k - $100k | 2.02% → $100k - $200k | 2.27% → $200k - $300k
2.27%*$100k*-IRA Money Market Savings
OTHER TIERS: 0.12% → $0 - $2.5k | 0.50% → $2.5k - $10k | 0.75% → $10k - $25k | 1.00% → $25k - $50k | 1.76% → $50k - $100k
2.02%*$100k*-Flex Money Market
OTHER TIERS: 0.07% → $0 - $2.5k | 0.50% → $2.5k - $10k | 0.75% → $10k - $25k | 1.00% → $25k - $50k | 1.51% → $50k - $100k

Sierra Central Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$300k*-Prime Checking
OTHER TIERS: 0.05% → $2.5k - $10k | 0.12% → $10k - $25k | 0.15% → $25k - $50k | 0.25% → $50k - $100k | 1.00% → $100k - $200k | 1.25% → $200k - $300k

Sierra Central Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%*$100k*-11 Month Share Certificate Special
OTHER TIERS: 4.23% → $500 - $50k | 4.28% → $50k - $100k
3.92%*$100k*-60 Month Share Certificate
OTHER TIERS: 3.82% → $500 - $50k | 3.87% → $50k - $100k
3.82%*$100k*-48 Month Share Certificate
OTHER TIERS: 3.71% → $500 - $50k | 3.76% → $50k - $100k
3.71%*$100k*-36 Month Share Certificate
OTHER TIERS: 3.61% → $500 - $50k | 3.66% → $50k - $100k
3.66%*$100k*-24 Month Share Certificate
OTHER TIERS: 3.56% → $500 - $50k | 3.61% → $50k - $100k
3.61%*$100k*-18 Month Share Certificate
OTHER TIERS: 3.51% → $500 - $50k | 3.56% → $50k - $100k
3.56%*$100k*-12 Month Share Certificate
OTHER TIERS: 3.45% → $500 - $50k | 3.51% → $50k - $100k
3.20%*$100k*-6 Month Share Certificate
OTHER TIERS: 3.09% → $500 - $50k | 3.14% → $50k - $100k
3.14%*$100k*-3 Month Share Certificate
OTHER TIERS: 3.04% → $500 - $50k | 3.09% → $50k - $100k

Sierra Central Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.92%*$100k*-60 Month IRA Certificate
OTHER TIERS: 3.82% → $500 - $50k | 3.87% → $50k - $100k
3.82%*$100k*-48 Month IRA Certificate
OTHER TIERS: 3.71% → $500 - $50k | 3.76% → $50k - $100k
3.71%*$100k*-36 Month IRA Certificate
OTHER TIERS: 3.61% → $500 - $50k | 3.66% → $50k - $100k
3.66%*$100k*-24 Month IRA Certificate
OTHER TIERS: 3.56% → $500 - $50k | 3.61% → $50k - $100k
3.61%*$100k*-18 Month IRA Certificate
OTHER TIERS: 3.51% → $500 - $50k | 3.56% → $50k - $100k
3.56%*$100k*-12 Month IRA Certificate
OTHER TIERS: 3.45% → $500 - $50k | 3.51% → $50k - $100k
3.20%*$100k*-6 Month IRA Certificate
OTHER TIERS: 3.09% → $500 - $50k | 3.14% → $50k - $100k
3.14%*$100k*-3 Month IRA Certificate
OTHER TIERS: 3.04% → $500 - $50k | 3.09% → $50k - $100k
0.25%$0-IRA Savings
Locations

Availability

Sacramento Area

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