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Sierra Central Credit Union


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 48th largest credit union in the state of California. It is also the 302nd largest credit union in the nation. It was established in 1955 and as of September of 2020, it had grown to 180 employees and 71,748 members at 19 locations. Sierra Central Credit Union 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, Butte, El Dorado, Glenn, Lassen, Modoc, Nevada, Placer, Shasta, Tehama, Tuolumne, Sutter, or Yuba, or within a 25-mile radius of any of the Credit Union's branches.
See current membership details

Reviews (1)

Sierra Central a bank that cares

Posted by: |

Sierra Central like many credit unions provide the same power as big-banking institutions while providing the personal touch of a local business. They genuinely care about my personal banking needs. They are honest, upfront and hardworking to be sure I get the exact services I need. They are also concerned with my comfort, I enjoy every experience I have there.

3


Health
A+

Data as of Q3 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #68053
Year Chartered1955
Employees180
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD7.13%
Annual Interest Income$32.5MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$1.25B$1.14B
LoansQ3 2020vs Q3 2019$823.0MM$781.2MM
DepositsQ3 2020vs Q3 2019$1.10B$1.01B
Equity CapitalQ3 2020vs Q3 2019$132.5MM$123.4MM
Loan Loss AllowanceQ3 2020vs Q3 2019$7.1MM$7.0MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$2.2MM$3.1MM
Real Estate OwnedQ3 2020vs Q3 2019$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
0.10%--IRA Savings
0.05%*$100*-Regular Savings
OTHER TIERS: 0.03% → Up to $100
0.05%*$100*-Minor Savings
OTHER TIERS: 0.03% → Up to $100
0.05%*-$10kHoliday Club
OTHER TIERS: 0.03% → $10k+
0.05%*-$25kTax Club
OTHER TIERS: 0.03% → $25k+
0.05%*-$15kVacation Club
OTHER TIERS: 0.03% → $15k+
0.05%*-$20kBack to School Club
OTHER TIERS: 0.03% → $20k+

Sierra Central Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Investor Money Market
OTHER TIERS: 0.05% → Up to $25k | 0.10% → $25k - $50k | 0.15% → $50k - $100k
0.15%*$100k*-Flex Money Market
OTHER TIERS: 0.05% → Up to $10k | 0.08% → $10k - $25k | 0.10% → $25k - $100k
0.15%*$100k*-IRA Money Market Savings
OTHER TIERS: 0.05% → Up to $10k | 0.08% → $10k - $25k | 0.10% → $25k - $100k

Sierra Central Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2.5k-Dividend Checking

Sierra Central Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.06%*$100k*-60 Month Share Certificate
OTHER TIERS: 0.95% → $500 - $50k | 1.00% → $50k - $100k
0.95%*$100k*-48 Month Share Certificate
OTHER TIERS: 0.85% → $500 - $50k | 0.90% → $50k - $100k
0.80%*$100k*-36 Month Share Certificate
OTHER TIERS: 0.70% → $500 - $50k | 0.75% → $50k - $100k
0.75%*$100k*-24 Month Share Certificate
OTHER TIERS: 0.65% → $500 - $50k | 0.70% → $50k - $100k
0.55%*$100k*-18 Month Share Certificate
OTHER TIERS: 0.45% → $500 - $50k | 0.50% → $50k - $100k
0.50%*$100k*-12 Month Share Certificate
OTHER TIERS: 0.40% → $500 - $50k | 0.45% → $50k - $100k
0.35%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.25% → $500 - $50k | 0.30% → $50k - $100k
0.30%*$100k*-3 Month Share Certificate
OTHER TIERS: 0.20% → $500 - $50k | 0.25% → $50k - $100k

Sierra Central Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.06%*$100k*-60 Month IRA Certificate
OTHER TIERS: 0.95% → $500 - $50k | 1.00% → $50k - $100k
0.95%*$100k*-48 Month IRA Certificate
OTHER TIERS: 0.85% → $500 - $50k | 0.90% → $50k - $100k
0.80%*$100k*-36 Month IRA Certificate
OTHER TIERS: 0.70% → $500 - $50k | 0.75% → $50k - $100k
0.75%*$100k*-24 Month IRA Certificate
OTHER TIERS: 0.65% → $500 - $50k | 0.70% → $50k - $100k
0.55%*$100k*-18 Month IRA Certificate
OTHER TIERS: 0.45% → $500 - $50k | 0.50% → $50k - $100k
0.50%*$100k*-12 Month IRA Certificate
OTHER TIERS: 0.30% → $50k - $100k | 0.40% → $500 - $50k
0.35%*$100k*-6 Month IRA Certificate
OTHER TIERS: 0.25% → $500 - $50k | 0.30% → $50k - $100k
0.30%*$100k*-3 Month IRA Certificate
OTHER TIERS: 0.20% → $500 - $50k | 0.25% → $50k - $100k
Locations

Availability



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