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 Sierra Central Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Sierra Central Credit Union's CD: 60-Month rates are at 3.51%, CD: 12-Month rates are at 3.50%, CD: 12-Month rates are at 3.45%, CD: 60-Month rates are at 3.45%, CD: 12-Month rates are at 3.40%. Sierra Central Credit Union's savings rates are at 0.05%. Sierra Central Credit Union's money market rates are at 0.07%. Sierra Central Credit Union's VA Fixed Rate Mortgage (15-Year) rates are at 6.00%, Fixed Rate Mortgage (15-Year) rates are at 6.00%, Adjustable Rate Mortgage (2/2) rates are at 5.12%, Fixed Rate Mortgage (20-Year) rates are at 6.38%, Fixed Rate Mortgage (30-Year) rates are at 6.50%. Sierra Central Credit Union's Personal Loan Rates are at 8.24%. 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 last updated and verified on 08/28/2026. 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. Sierra Central Credit Union
Yuba City Branch 1351 Harter Pkwy
https://www.sierracentral.com Yuba City, CA 95993 2604 
Sierra Central Credit Union CD Rates
Sierra Central Credit Union Savings Rates
Sierra Central Credit Union Money Market Rates
Sierra Central Credit Union Checking Rates
Sierra Central Credit Union Mortgage Rates
Sierra Central Credit Union Home Equity & HELOC
Sierra Central Credit Union Auto Loan Rates
Sierra Central Credit Union Credit Card Rates
Sierra Central Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
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.
Add Your Rating and Review for Sierra Central Credit Union
Frequently Asked Questions About Sierra Central Credit UnionHow 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. Current Sierra Central Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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