Yuba City, CA 95993

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 1.21% 2.20% →
2-Year CD 1.46% 2.20% →
5-Year CD 2.17% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 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 $1141.03 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
Charter Number # # 68053
Date Established 1955
Assets $1,141.03 million
Loans $778.46 million
Deposits $1,009.56 million
Capital $119.67 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 - February 18, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.15% $1 $24,999 Learn MoreShow Less
Money Market
0.70% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
1.21% $500 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.85% $500 $49,999 Learn MoreShow Less
6 Mo CD
1.00% $500 $49,999 Learn MoreShow Less
12 Mo CD
1.21% $500 $49,999 Learn MoreShow Less
18 Mo CD
1.36% $500 $49,999 Learn MoreShow Less
24 Mo CD
1.46% $500 $49,999 Learn MoreShow Less
36 Mo CD
1.66% $500 $49,999 Learn MoreShow Less
48 Mo CD
1.87% $500 $49,999 Learn MoreShow Less
60 Mo CD
2.17% $500 $49,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.15% $1 $2,499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $9,999 Learn MoreShow Less

Loan Rates - February 18, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.378% 3.375% 0.00 $92 $1,106 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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
4.53% 5.86

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, 2019, Sierra Central had $5,372,584 in non-current loans and $368,173 in owned assets. To cover these potential losses it had $119,666,865 in net worth and $7,180,815 in loans loss reserves. That gives it a Texas Ratio of 4.53%.

Net Worth
Sierra Central U.S. Average
10.48% 13.65%

Sierra Central FCU has a net worth of 10.48% versus the BestCashCow average of 13.65. 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 About Sierra Central

Branches and Savings

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 $119.67 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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