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

Sierra Central Credit Union is headquartered in Yuba City and is the 49th largest credit union in the state of California. It is also the 311th largest credit union in the nation. It was established in 1955 and as of June of 2018, it had grown to 141 employees and 66,408 members at 17 locations. Sierra Central Credit Union's money market rates are 2X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Sierra Central Credit Union is open to those who live, work, attend school or worship in Modoc, Tuolumne, Shasta, Tehama, Glenn, Lassen, Butte, Sutter, Yuba, Nevada, Placer, El Dorado, or Alpine counties in California, as well as those who live or work 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: SteveB14 | Jun 25, 2014

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.



Health
A+

Health Grade Components

Overall
NCUA #68053
Year Chartered1955
Employees141
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD10.03%
Annual Interest Income$18.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$973.7MM$922.3MM
LoansQ2 2018vs Q2 2017$722.2MM$648.1MM
DepositsQ2 2018vs Q2 2017$855.0MM$811.8MM
Equity CapitalQ2 2018vs Q2 2017$110.2MM$101.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$7.0MM$5.9MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.3MM$2.1MM
Real Estate OwnedQ2 2018vs Q2 2017$0$411.00K
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
0.30%--IRA Savings
0.20%*$100*-Regular Savings
OTHER TIERS: 0.17% Up to $100
0.20%*$100*-Minor Savings
OTHER TIERS: 0.17% Up to $100
0.20%--Holiday Club
0.20%--Tax Club
0.20%--Vacation Club
0.20%--Back to School Club

Sierra Central Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-Investor Money Market
OTHER TIERS: 0.20% Up to $25k | 0.90% $25k - $50k | 0.95% $50k - $100k
0.95%*$100k*-Flex Money Market
OTHER TIERS: 0.20% Up to $2.5k | 0.45% $2.5k - $10k | 0.55% $10k - $25k | 0.85% $25k - $50k | 0.90% $50k - $100k
0.95%*$100k*-IRA Money Market Savings
OTHER TIERS: 0.20% Up to $2.5k | 0.45% $2.5k - $10k | 0.55% $10k - $25k | 0.85% $25k - $50k | 0.90% $50k - $100k

Sierra Central Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*$100k*-Dividend Checking
OTHER TIERS: 0.20% $2.5k - $10k | 0.35% $10k - $25k | 0.55% $25k - $50k | 0.60% $50k - $100k

Sierra Central Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.43%*$100k*-60 Month CD
OTHER TIERS: 2.32% $500 - $50k | 2.38% $50k - $100k
2.12%*$100k*-48 Month CD
OTHER TIERS: 2.02% $500 - $50k | 2.07% $50k - $100k
2.02%$500-15 Month CD
1.81%*$100k*-36 Month CD
OTHER TIERS: 1.71% $500 - $50k | 1.76% $50k - $100k
1.56%*$100k*-24 Month CD
OTHER TIERS: 1.46% $500 - $50k | 1.51% $50k - $100k
1.35%*$100k*-18 Month CD
OTHER TIERS: 1.26% $500 - $50k | 1.31% $50k - $100k
1.21%*$100k*-12 Month CD
OTHER TIERS: 1.11% $500 - $50k | 1.16% $50k - $100k
1.11%*$100k*-3 Month CD
OTHER TIERS: 1.00% $500 - $50k | 1.06% $50k - $100k
1.06%*$100k*-6 Month CD
OTHER TIERS: 0.95% $500 - $50k | 1.00% $50k - $100k

Sierra Central Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.43%*$100k*-60 Month IRA
OTHER TIERS: 2.32% $500 - $50k | 2.38% $50k - $100k
2.12%*$100k*-48 Month IRA
OTHER TIERS: 2.02% $500 - $50k | 2.07% $50k - $100k
2.02%$500-15 Month IRA
1.81%*$100k*-36 Month IRA
OTHER TIERS: 1.71% $500 - $50k | 1.76% $50k - $100k
1.56%*$100k*-24 Month IRA
OTHER TIERS: 1.46% $500 - $50k | 1.51% $50k - $100k
1.35%*$100k*-18 Month IRA
OTHER TIERS: 1.26% $500 - $50k | 1.31% $50k - $100k
1.21%*$100k*-12 Month IRA
OTHER TIERS: 1.11% $500 - $50k | 1.16% $50k - $100k
1.11%*$100k*-3 Month IRA
OTHER TIERS: 1.00% $500 - $50k | 1.06% $50k - $100k
1.06%*$100k*-6 Month IRA
OTHER TIERS: 0.95% $500 - $50k | 1.00% $50k - $100k
Locations

Availability



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