Sierra Central Credit Union


Overview / Commentary
800-222-7228
1351 Harter Pkwy
Yuba City, CA 95993

Sierra Central Credit Union is headquartered in Yuba City and is the 44th largest credit union in the state of California. It is also the 318th largest credit union in the nation. It was established in 1955 and as of December of 2024, it had grown to 211 employees and 83,501 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

Health Grade Components

Overall
NCUA #68053
Year Chartered1955
Employees211
Primary Regulator
Profit Margin
Return on Assets - YTD0.1%
Return on Equity - YTD1.05%
Annual Interest Income$66.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.46B$1.47B
LoansQ4 2024vs Q4 2023$1.03B$1.04B
DepositsQ4 2024vs Q4 2023$1.31B$1.3B
Equity CapitalQ4 2024vs Q4 2023$139.2MM$137.7MM
Loan Loss AllowanceQ4 2024vs Q4 2023$18.3MM$16.2MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$6.6MM$5.1MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Sierra Central Credit Union; 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.

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
2.78%*$300k*-Investor Money Market
OTHER TIERS: 0.12% $0 - $25k | 1.76% $25k - $50k | 2.02% $50k - $100k | 2.27% $100k - $200k | 2.53% $200k - $300k
2.27%*$100k*-Flex Money Market
OTHER TIERS: 0.12% $0 - $2.5k | 0.50% $2.5k - $10k | 0.75% $10k - $25k | 1.00% $25k - $50k | 1.76% $50k - $100k
2.27%*$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

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
3.66%*$100k*-12 Month Share Certificate
OTHER TIERS: 3.56% $500 - $50k | 3.61% $50k - $100k
3.40%*$100k*-18 Month Share Certificate
OTHER TIERS: 3.30% $500 - $50k | 3.35% $50k - $100k
3.40%*$100k*-24 Month Share Certificate
OTHER TIERS: 3.30% $500 - $50k | 3.35% $50k - $100k
3.40%*$100k*-36 Month Share Certificate
OTHER TIERS: 3.30% $500 - $50k | 3.35% $50k - $100k
3.40%*$100k*-48 Month Share Certificate
OTHER TIERS: 3.30% $500 - $50k | 3.35% $50k - $100k
3.40%*$100k*-60 Month Share Certificate
OTHER TIERS: 3.30% $500 - $50k | 3.35% $50k - $100k
3.30%*$100k*-6 Month Share Certificate
OTHER TIERS: 3.20% $500 - $50k | 3.25% $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
3.66%*$100k*-12 Month IRA Certificate
OTHER TIERS: 3.56% $500 - $50k | 3.61% $50k - $100k
3.40%*$100k*-18 Month IRA Certificate
OTHER TIERS: 3.30% $500 - $50k | 3.35% $50k - $100k
3.40%*$100k*-24 Month IRA Certificate
OTHER TIERS: 3.30% $500 - $50k | 3.35% $50k - $100k
3.40%*$100k*-36 Month IRA Certificate
OTHER TIERS: 3.30% $500 - $50k | 3.35% $50k - $100k
3.40%*$100k*-48 Month IRA Certificate
OTHER TIERS: 3.30% $500 - $50k | 3.35% $50k - $100k
3.40%*$100k*-60 Month IRA Certificate
OTHER TIERS: 3.30% $500 - $50k | 3.35% $50k - $100k
3.30%*$100k*-6 Month IRA Certificate
OTHER TIERS: 3.20% $500 - $50k | 3.25% $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

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