Yuba City, CA 95993


2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 68053
Date Established 1955
Assets $973.68 million
Loans $722.17 million
Deposits $855.00 million
Capital $109.65 million

Sierra Central is an NCUA insured institution located in Yuba City, CA. It was founded in 1955 and has approximately $973.68 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).

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 - October 15, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.45% $2,500 $9,999 Learn MoreShow Less
Money Market
0.55% $10,000 $24,999 Learn MoreShow Less
Money Market
0.85% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.20% $1 $24,999 Learn MoreShow Less
Premium Money Market Account
0.90% $25,000 $49,999 Learn MoreShow Less
1.11% $500 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
1.00% $500 $49,999 Learn MoreShow Less
0.95% $500 $49,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.20% $1 $2,499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $2,500 $9,999 Learn MoreShow Less

Loan Rates - October 15, 2018

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.750% 4.750% 0.00 $0 $1,305 Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
4.542% 4.500% 0.50 $1,250 $1,267 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.565% 4.500% 0.38 $2,007 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.490% $283.58 Learn More

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


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:

Sierra Central Locations

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
3.44% 5.78

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 June 30, 2018, Sierra Central had $3,408,393 in non-current loans and $600,578 in owned assets. To cover these potential losses it had $109,652,554 in net worth and $7,029,662 in loans loss reserves. That gives it a Texas Ratio of 3.44%.

Net Worth
Sierra Central U.S. Average
11.26% 13.21%

Sierra Central FCU has a net worth of 11.26% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On Sierra Central

What is Sierra Central?

A federal credit union, registered with the NCUA under certificate #68053.
Learn more about credit unions here.

Is Sierra Central FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Sierra Central?

Please see Field of Membership information above for information on who is eligible to join.

What are Sierra Central's share account and share certificate rates?

Sierra Central's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Sierra Central?

Sierra Central has total capital of $109.65 million. Full information on Sierra Central's financial position is located above.

Who owns Sierra Central?

Credit Unions are owned by their members.

Where are Sierra Central branches located?

See branch locations nearby.

Are Sierra Central ATMs Open 24/7?

Do Sierra Central ATMs accept cash deposits?

Can Sierra Central customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Sierra Central have a mobile app?

Does Sierra Central have mobile deposit?

Does Sierra Central have quick pay?

How can Sierra Central transfer money to other banks or credit unions?

Does Sierra Central report to credit bureaus?

Does Sierra Central use Chexsystems?

Does Sierra Central use Equifax?

What is Sierra Central's toll free phone number?

What is Sierra Central's ACH Routing Number?

What is Sierra Central's SWIFT code?

Where can I find Sierra Central's wire transfer form?

What is the Sierra Central address for deposits?

What Products Does Sierra Central Offer

Does Sierra Central offer mortgages?

Compare mortgage rates here.

Does Sierra Central offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Sierra Central offer auto and RV loans?

Compare auto loan rates here.

Does Sierra Central offer student loans or personal loans?

Compare personal loan rates here.

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