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A SECURED LOAN gives you the ability to borrow against your Sierra Central Share Certificate investment.

Once approved, get funds in 1 business day with direct deposit or by check in around 5 business days!
  • Borrow up to 95% of a Share Certificate of Deposit balance.
  • Low interest rate is based on what your Share Certificate account is earning plus 3.0%
  • Loan term cannot exceed the maturity date of your Share Certificate account
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APR = Annual Percentage Rate may vary depending on loan details such as amount financed, term, credit history and loan fees. Rates are subject to change without notice.

LTV = Loan to value.

All loans subject to credit approval and some restrictions may apply. 

Payment example Auto Loan: Estimated APR of 6.49% on a loan amount of $35,000, for 60 months= Payments as low as $684.65per month. Lower rate options may be available based on a lower loan-to-value percentage, credit tier, or length of membership.   

Payment example Signature Loan: Estimated APR of 9.74% on a loan amount of $25,000, for 60 months= Payments as low as $527.98 per month.
Consumer Fee Schedule