Sierra Central Credit Union

Yuba City, California
Last verified: August 3, 2026
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Verified rate book

Current Sierra Central Credit Union rates

46 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

11 offers
Sierra Central Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
VA 30-Year Fixed30 year fixed6.670% APR6.500%—Standard
30-Year Fixed30 year fixed6.770% APR6.500%—Standard
VA 15-Year Fixed15 year fixed6.170% APR6.000%—Standard
15-Year Fixed15 year fixed6.440% APR6.000%—Standard
Adjustable Rate Mortgage (2/2)arm6.520% APR5.125%—Standard
5/1 ARM5 1 arm6.710% APR5.875%—Standard
20-Year Fixed20 year fixed6.980% APR6.625%—Standard
First Time Home Buyers (Town of Paradise)other6.770% APR6.500%—Standard
Fixed Rate Mortgage (Jumbo)other7.160% APR7.000%—Standard
Lot Loanother8.300% APR8.000%—Standard
Fixed Rate CO Refinance Mortgage (Jumbo)other7.160% APR7.000%—Standard

Auto & vehicle rates

5 offers
Sierra Central Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Auto: New or Usedauto_any4.990% APR4.990%anyStandard
RV: New or Usedrv_any7.990% APR7.990%anyStandard
Boat: New or Usedboat_any9.990% APR9.990%anyStandard
ATV, Jet Ski, Snowmobile: New or Usedpowersports_any9.990% APR9.990%anyStandard
Motorcycle: New or Usedmotorcycle_any9.990% APR9.990%anyStandard

HELOC rates

5 offers
Sierra Central Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
5-year Small Balance Home Equity Loanheloc_fixed6.760% APR6.500%—Standard
10-year Small Balance Home Equity Loanheloc_fixed7.020% APR7.000%—Standard
Home Equity Loan (Fixed)heloc_fixed7.490% APR7.250%—Standard
15-year Small Balance Home Equity Loanheloc_fixed7.570% APR7.500%—Standard
HELOC (Variable)heloc_variable8.000% APR7.500%—Standard

Personal loan rates

2 offers
Sierra Central Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Signature Loanpersonal_unsecured8.240% APR8.240%—Standard
Personal Line of Creditploc_variable14.740% APR14.740%—Standard

Credit card rates

5 offers
Sierra Central Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Premier VISA®credit_card11.740% APR11.740%—Standard
Premier Rewards VISA®credit_card_rewards13.740% APR13.740%—Standard
Business Credit Cardcredit_card_business16.740% APR16.740%—Standard
First VISA®credit_card21.740% APR21.740%—Standard
Secured Credit Cardcredit_card_secured22.990% APR22.990%—Standard

Savings & CD rates

17 offers
Sierra Central Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Membership, Regular, & Minor Savingssavings0.07% APY0.07%—Standard
IRA Money Market Savingsira0.07% APY0.07%—Standard
Investor Money Marketmoney_market0.07% APY0.07%—Standard
Club Accountsavings0.12% APY0.12%—Standard
IRAira1.00% APY1.00%—Standard
Investor Money Marketmoney_market2.27% APY2.27%—Standard
3-Month Certificateshare_certificate_3mo2.73% APY2.70%3 moStandard
6-Month Certificateshare_certificate_6mo3.04% APY3.00%6 moStandard
18-Month Certificateshare_certificate_18mo3.17% APY3.12%18 moStandard
24-Month Certificateshare_certificate_24mo3.20% APY3.15%24 moStandard
36-Month Certificateshare_certificate_36mo3.23% APY3.18%36 moStandard
7-Month Certificatecd_7mo3.25% APY3.20%7 moStandard
48-Month Certificateshare_certificate_48mo3.30% APY3.25%48 moStandard
7-Month Certificateshare_certificate_7mo3.35% APY3.35%7 moStandard
60-Month Certificateshare_certificate_60mo3.40% APY3.35%60 moStandard
12-Month Certificateshare_certificate_12mo3.40% APY3.35%12 moStandard
12-Month Certificateshare_certificate_12mo3.50% APY3.50%12 moStandard

Other rates

1 offer
Sierra Central Credit Union other rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
GSFA Platinum Down Payment Assistance Programother7.240% %6.875%—Standard

As of August 3, 2026, Sierra Central Credit Union offers a 30-year fixed mortgage at 6.67% APR. Vehicle loans available from 4.99% APR. HELOC rates from 6.76% APR. Personal loan rates from 8.24% APR. Credit card rates from 11.74% APR. Savings and certificate yields up to 3.50% APY.

Source: RateAPI.dev, verified from Sierra Central Credit Union's official website

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About Sierra Central Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
87K
Assets
$1.5B
Founded
1955
Locations reported
18
NCUA charter
68053
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial education
  • First-time homebuyer program
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Schoolsfirst61 - Yuba City · Yuba City · CA · 95991About 5.9 miles awaySafeLincoln Crossing · Lincoln · CA · 95648About 22.6 miles awaySelf-HelpBiggs · Biggs · CA · 95917About 24.8 miles awayTravisWoodland Branch · Woodland · CA · 95776About 26.5 miles awayYoloSycamore · Woodland · CA · 95776About 26.5 miles awayPatelcoROSEVILLE · Roseville · CA · 95747About 26.9 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Sierra Central Credit Union

Membership eligibility from Sierra Central Credit Union's own published criteria. How we verify this.

Membership criteria are published on Sierra Central Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Sierra Central Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Sierra Central Credit Union?

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Frequently Asked Questions

What rates does Sierra Central Credit Union offer?

Sierra Central Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are Sierra Central Credit Union rates updated?

RateAPI verifies Sierra Central Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get Sierra Central Credit Union's rate data?

Rate data is collected directly from Sierra Central Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Sierra Central Credit Union's mortgage rate?

As of August 3, 2026, Sierra Central Credit Union offers a 30-year fixed mortgage at 6.67% APR.

What are Sierra Central Credit Union's auto, rv, boat, motorcycle & powersports loan rates?

As of August 3, 2026, Sierra Central Credit Union offers vehicle loans from 4.99% APR.

What is Sierra Central Credit Union's HELOC rate?

As of August 3, 2026, Sierra Central Credit Union offers home equity lines of credit from 6.76% APR.

What is Sierra Central Credit Union's personal loan rate?

As of August 3, 2026, Sierra Central Credit Union offers personal loans from 8.24% APR.

What is Sierra Central Credit Union's best CD rate?

As of August 3, 2026, Sierra Central Credit Union offers savings and certificate (CD) yields up to 3.50% APY.

Related Rate Data

Compare Sierra Central Credit Union's rates against national credit-union benchmarks.

More California credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Sierra Central Credit Union
curl "https://api.rateapi.dev/credit-unions/california/sierra-central" \
  -H "Authorization: Bearer YOUR_API_KEY"
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