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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 47th largest credit union in the state of California. It is also the 324th largest credit union in the nation. It was established in 1955 and as of September of 2024, it had grown to 208 employees and 82,655 members at 18 locations. Sierra Central Credit Union's money market rates are 7X the national average, and it has a B+ 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
B+

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68053
Year Chartered1955
Employees208
Primary Regulator
Profit Margin
Return on Assets - YTD0.12%
Return on Equity - YTD1.2%
Annual Interest Income$48.6MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$1.44B$1.5B
LoansQ3 2024vs Q3 2023$1.04B$1.03B
DepositsQ3 2024vs Q3 2023$1.29B$1.32B
Equity CapitalQ3 2024vs Q3 2023$138.9MM$137.6MM
Loan Loss AllowanceQ3 2024vs Q3 2023$17.4MM$15.8MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$4.5MM$3.6MM
Real Estate OwnedQ3 2024vs Q3 2023$239K$0
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
0.25%$0-IRA Savings
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

Sierra Central Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*$300k*-Investor Money Market
OTHER TIERS: 0.12% → $0 - $25k | 2.02% → $25k - $50k | 2.27% → $50k - $100k | 2.53% → $100k - $200k | 2.78% → $200k - $300k
2.53%*$100k*-Flex Money Market
OTHER TIERS: 0.12% → $0 - $2.5k | 0.50% → $2.5k - $10k | 0.75% → $10k - $25k | 1.00% → $25k - $50k | 2.02% → $50k - $100k
2.53%*$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 | 2.02% → $50k - $100k

Sierra Central Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$300k*-Prime Checking
OTHER TIERS: 0.05% → $2.5k - $10k | 0.12% → $10k - $25k | 0.25% → $25k - $50k | 0.50% → $50k - $100k | 1.25% → $100k - $200k | 1.50% → $200k - $300k

Sierra Central Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.18%*$100k*-12 Month Share Certificate
OTHER TIERS: 4.07% → $500 - $50k | 4.13% → $50k - $100k
3.66%*$100k*-6 Month Share Certificate
OTHER TIERS: 3.56% → $500 - $50k | 3.61% → $50k - $100k
3.66%*$100k*-18 Month Share Certificate
OTHER TIERS: 3.16% → $50k - $100k | 3.56% → $500 - $50k
3.40%*$100k*-3 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

Sierra Central Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.18%*$100k*-12 Month IRA Certificate
OTHER TIERS: 4.07% → $500 - $50k | 4.13% → $50k - $100k
3.66%*$100k*-6 Month IRA Certificate
OTHER TIERS: 3.56% → $500 - $50k | 3.61% → $50k - $100k
3.66%*$100k*-18 Month IRA Certificate
OTHER TIERS: 3.56% → $500 - $50k | 3.61% → $50k - $100k
3.40%*$100k*-3 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
Locations

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