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 46th largest credit union in the state of California. It is also the 292nd largest credit union in the nation. It was established in 1955 and as of December of 2019, it had grown to 176 employees and 70,067 members at 17 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.



Health

Health Grade Components

Overall
NCUA #68053
Year Chartered1955
Employees176
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD8.8%
Annual Interest Income$45.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$1.14B$1.12B
LoansQ4 2019vs Q4 2018$794.7MM$757.0MM
DepositsQ4 2019vs Q4 2018$1.00B$990.5MM
Equity CapitalQ4 2019vs Q4 2018$125.4MM$114.4MM
Loan Loss AllowanceQ4 2019vs Q4 2018$7.4MM$7.1MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$3.6MM$2.8MM
Real Estate OwnedQ4 2019vs Q4 2018$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
0.15%--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
0.40%*$100k*-Investor Money Market
OTHER TIERS: 0.05% Up to $25k | 0.30% $25k - $50k | 0.35% $50k - $100k
0.35%*$100k*-Flex Money Market
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k
0.35%*$100k*-IRA Money Market Savings
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k

Sierra Central Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Dividend Checking
OTHER TIERS: 0.05% $2.5k - $50k | 0.10% $50k - $100k

Sierra Central Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%*$100k*-60 Month Share Certificate
OTHER TIERS: 1.46% $500 - $50k | 1.51% $50k - $100k
1.46%*$100k*-48 Month Share Certificate
OTHER TIERS: 1.36% $500 - $50k | 1.41% $50k - $100k
1.16%*$100k*-36 Month Share Certificate
OTHER TIERS: 1.06% $500 - $50k | 1.11% $50k - $100k
1.06%*$100k*-24 Month Share Certificate
OTHER TIERS: 0.95% $500 - $50k | 1.00% $50k - $100k
0.95%*$100k*-18 Month Share Certificate
OTHER TIERS: 0.85% $500 - $50k | 0.90% $50k - $100k
0.85%*$100k*-12 Month Share Certificate
OTHER TIERS: 0.75% $500 - $50k | 0.80% $50k - $100k
0.75%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.65% $500 - $50k | 0.70% $50k - $100k
0.55%*$100k*-3 Month Share Certificate
OTHER TIERS: 0.45% $500 - $50k | 0.50% $50k - $100k

Sierra Central Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%*$100k*-60 Month IRA Certificate
OTHER TIERS: 1.46% $500 - $50k | 1.51% $50k - $100k
1.46%*$100k*-48 Month IRA Certificate
OTHER TIERS: 1.36% $500 - $50k | 1.41% $50k - $100k
1.16%*$100k*-36 Month IRA Certificate
OTHER TIERS: 1.06% $500 - $50k | 1.11% $50k - $100k
1.06%*$100k*-24 Month IRA Certificate
OTHER TIERS: 0.95% $500 - $50k | 1.00% $50k - $100k
0.95%*$100k*-18 Month IRA Certificate
OTHER TIERS: 0.85% $500 - $50k | 0.90% $50k - $100k
0.85%*$100k*-12 Month IRA Certificate
OTHER TIERS: 0.70% $50k - $100k | 0.75% $500 - $50k
0.75%*$100k*-6 Month IRA Certificate
OTHER TIERS: 0.65% $500 - $50k | 0.70% $50k - $100k
0.55%*$100k*-3 Month IRA Certificate
OTHER TIERS: 0.45% $500 - $50k | 0.50% $50k - $100k
Locations

Availability



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