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Sierra Central Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 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

Reviews

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Health
A

Data as of Q4 2024

Learn why bank health matters

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
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/28/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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
0.12%*$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
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