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Sierra Central Credit Union

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Sierra Central Credit Union Rates & Review June 2026

Q: Is a member application needed to join Sierra Central Credit Union?

Yes, to access services at Sierra Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sierra Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 20, 2026

You can compare Sierra Central Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.00%, 6-month share certificate rates at 3.60% and 3-month share certificate rates at 0.50%. Savings rates are at 0.75% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.18%. All these rates can be compared to Sierra Central Credit Union rates. MonitorBankRates evaluates the financial stability of Sierra Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.20%. Rates were last updated on 06/20/2026.

Sierra Central Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sierra Central Credit Union? Share your experience about Sierra Central Credit Union by leaving a review below, or read customer reviews before you decide to use Sierra Central Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.20%

Excellent Lower than avg

Sierra Central Credit Union
Yuba City Branch

1351 Harter Pkwy
Yuba City, CA 95993 2604

https://www.sierracentral.com

Current Rate Availability

We do not have Sierra Central Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sierra Central Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Sierra Central Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Sierra Central Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sierra Central Credit Union

Website https://www.sierracentral.com

Address 1351 Harter Pkwy, Yuba City, CA 95993 2604

Phone 800-222-7228

Fax 530-671-7679

President Tony Galyean

CEO Ron Sweeney

Full-Time Employees 219

Part-Time Employees 10

Branch Locations 20

ATM Locations 20

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.20%

Return on Assets (ROA)

0.3050%

Return on Equity (ROE)

3.1207%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

1,495,731,731

Total Amount of Shares and Deposits

1,341,231,371

Total Shares and Deposits < 1 Year

1,306,771,834

Total Shares and Deposits 1 3 Years

22,445,880

Total Shares and Deposits > 3 Years

12,013,657

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

109,802,280

Total Uninsured Shares and Deposits > $250K (F+J)

109,802,280

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,231,429,091

Total Interest Expense (Sum of items 6 8)

19,039,434

Share Certificates

8,160

Number of Accounts for Share Drafts

39,445

IRA KEOGH Accounts

2,531

Number of Accounts for Regular Shares

101,896

All other shares

892

Money Market Shares

4,482

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

164,299,389

Total Liabilities

1,352,341,641

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Sierra Central Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

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Total Reviews

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Frequently Asked Questions About Sierra Central Credit Union

How many branches does Sierra Central Credit Union operate?

Sierra Central Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Sierra Central Credit Union?

Yes, to access services at Sierra Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Sierra Central Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sierra Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sierra Central Credit Union offer online and mobile banking?

Most modern institutions like Sierra Central Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sierracentral.com.