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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 43rd largest credit union in the state of California. It is also the 303rd largest credit union in the nation. It was established in 1955 and as of June of 2023, it had grown to 209 employees and 75,895 members at 19 locations. Sierra Central Credit Union's money market rates are 5X 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

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.

3


Health
B+

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #68053
Year Chartered1955
Employees209
Primary Regulator
Profit Margin
Return on Assets - YTD0.03%
Return on Equity - YTD0.31%
Annual Interest Income$25.3MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$1.50B$1.50B
LoansQ2 2023vs Q2 2022$969.8MM$833.4MM
DepositsQ2 2023vs Q2 2022$1.35B$1.34B
Equity CapitalQ2 2023vs Q2 2022$137.7MM$147.3MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$4.5MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$3.3MM$2.3MM
Real Estate OwnedQ2 2023vs Q2 2022$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
0.25%--IRA Savings
0.10%*$100*-Regular Savings
OTHER TIERS: 0.05% → Up to $100
0.10%*$100*-Minor Savings
OTHER TIERS: 0.05% → Up to $100
0.10%--Holiday Club
0.10%--Tax Club
0.10%--Vacation Club
0.10%--Back to School Club

Sierra Central Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$100k*-Investor Money Market
OTHER TIERS: 0.10% → Up to $25k | 1.51% → $25k - $50k | 1.76% → $50k - $100k
2.02%*$100k*-Flex Money Market
OTHER TIERS: 0.10% → Up to $2.5k | 0.55% → $2.5k - $10k | 0.75% → $10k - $25k | 1.26% → $25k - $50k | 1.51% → $50k - $100k
2.02%*$100k*-IRA Money Market Savings
OTHER TIERS: 0.10% → Up to $2.5k | 0.55% → $2.5k - $10k | 0.75% → $10k - $25k | 1.26% → $25k - $50k | 1.51% → $50k - $100k

Sierra Central Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%*$25k*-Dividend Checking
OTHER TIERS: 0.05% → $2.5k - $25k

Sierra Central Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.59%$500-11 Month Share Certificate Special
3.71%*$100k*-60 Month Share Certificate
OTHER TIERS: 3.61% → $500 - $50k | 3.66% → $50k - $100k
3.66%*$100k*-48 Month Share Certificate
OTHER TIERS: 3.56% → $500 - $50k | 3.61% → $50k - $100k
3.61%*$100k*-36 Month Share Certificate
OTHER TIERS: 3.51% → $500 - $50k | 3.56% → $50k - $100k
3.56%*$100k*-24 Month Share Certificate
OTHER TIERS: 3.45% → $500 - $50k | 3.51% → $50k - $100k
3.56%$500-5 Month Share Certificate Special
3.40%*$100k*-18 Month Share Certificate
OTHER TIERS: 3.30% → $500 - $50k | 3.35% → $50k - $100k
3.35%*$100k*-12 Month Share Certificate
OTHER TIERS: 3.25% → $500 - $50k | 3.30% → $50k - $100k
3.04%*$100k*-6 Month Share Certificate
OTHER TIERS: 2.94% → $500 - $50k | 2.99% → $50k - $100k
2.94%*$100k*-3 Month Share Certificate
OTHER TIERS: 2.84% → $500 - $50k | 2.89% → $50k - $100k

Sierra Central Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.71%*$100k*-60 Month IRA Certificate
OTHER TIERS: 3.61% → $500 - $50k | 3.66% → $50k - $100k
3.66%*$100k*-48 Month IRA Certificate
OTHER TIERS: 3.56% → $500 - $50k | 3.61% → $50k - $100k
3.61%*$100k*-36 Month IRA Certificate
OTHER TIERS: 3.51% → $500 - $50k | 3.56% → $50k - $100k
3.56%*$100k*-24 Month IRA Certificate
OTHER TIERS: 3.45% → $500 - $50k | 3.51% → $50k - $100k
3.40%*$100k*-18 Month IRA Certificate
OTHER TIERS: 3.30% → $500 - $50k | 3.35% → $50k - $100k
3.35%*$100k*-12 Month IRA Certificate
OTHER TIERS: 3.25% → $500 - $50k | 3.30% → $50k - $100k
3.04%*$100k*-6 Month IRA Certificate
OTHER TIERS: 2.94% → $500 - $50k | 2.99% → $50k - $100k
2.94%*$100k*-3 Month IRA Certificate
OTHER TIERS: 2.84% → $500 - $50k | 2.89% → $50k - $100k
Locations

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