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 46^th largest credit union in the state of California. It is also the 292^nd 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.
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Reviews (1)

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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.

Comment

Health

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68053
Year Chartered	1955
Employees	176
Primary Regulator

Profit Margin
Return on Assets - YTD	0.97%
Return on Equity - YTD	8.8%
Annual Interest Income	$45.1MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$1.14B$1.12B
Loans	Q4 2019vs Q4 2018	$794.7MM$757.0MM
Deposits	Q4 2019vs Q4 2018	$1.00B$990.5MM
Equity Capital	Q4 2019vs Q4 2018	$125.4MM$114.4MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$7.4MM$7.1MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$3.6MM$2.8MM
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
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%^*	-	$10k	Holiday Club
OTHER TIERS: 0.03% → $10k+
0.05%^*	-	$25k	Tax Club
OTHER TIERS: 0.03% → $25k+
0.05%^*	-	$15k	Vacation Club
OTHER TIERS: 0.03% → $15k+
0.05%^*	-	$20k	Back to School Club
OTHER TIERS: 0.03% → $20k+

Sierra Central Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$100k^*	-	Dividend Checking
OTHER TIERS: 0.05% → $2.5k - $50k \| 0.10% → $50k - $100k

Sierra Central Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Sacramento Area

Sacramento Area bank & credit union details

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