Sierra Central Credit Union

Headquarters

1351 Harter Parkway
Yuba City, CA 95993
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.70% →
1-Year CD 0.60% 2.02% →
2-Year CD 0.90% 2.87% →
5-Year CD 1.21% 3.50% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Sierra Central is an NCUA insured institution located in Yuba City, CA. It was founded in 1955 and has approximately $1450.44 millions in assets.

Who can join?

Anyone who lives or works within 25 miles of a Sierra Central branch may open an account. With 15 branches spread throughout Northern California, most people who live in the area from Placerville to the south and Mt. Shasta to the north will have a nearby branch. Additionally, Sierra Central membership is made available by a large number of businesses and organizations as an employee benefit.

Once you become a member, your spouse, children, parents, in-laws, grandparents, grandchildren, brothers, sisters, aunts, uncles, nieces and nephews can also join. (Immediate family members of a member are also eligible to join).

NCUA Insured Yes / State-Chartered
Charter Number # # 68053
Date Established 1955
Assets $1,450.44 million
Loans $818.30 million
Deposits $1,294.44 million
Capital $144.94 million
 

Field of Membership Restrictions

Membership in Sierra Central Credit Union is open to those who live, work, attend school or worship in Lassen County as well as those who live or work within a 25-mile radius of any of the credit union's branches.

Deposit Rates - July 6, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.95% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.11% $100,000 $199,999 Learn More
60 Mo CD
1.11% $10,000 $14,999 Learn More
60 Mo CD
1.21% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 6, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for SIERRA CENTRAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 413-0477
5.233% 5.125% 0.88 $3,048 $1,362 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.887% 5.750% 1.00 $3,750 $1,459 Learn More
First Internet Bank
NMLS ID: 424182
5.185% 5.125% 0.63 $1,692 $1,362 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
4.240 %
After Intro: 5.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to SIERRA CENTRAL
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Sierra Central branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


Sierra Central Locations



Climate Initiatives

SIERRA CENTRAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Sierra Central Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sierra Central. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Sierra Central U.S. Average
4.38% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Sierra Central had $6,196,420 in non-current loans and $348,518 in owned assets. To cover these potential losses it had $144,936,615 in net worth and $4,426,289 in loans loss reserves. That gives it a Texas Ratio of 4.38%.

Net Worth
Sierra Central U.S. Average
9.99% 12.36%

Sierra Central FCU has a net worth of 9.99% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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