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PERSONAL LOANS

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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Rates and Annual Percentage Rates (APRs) may vary depending on loan details such as amount financed, term, credit history and loan fees. Rates are subject to change without notice.

All loans subject to credit approval and some restrictions may apply. Secured loan does not require credit check and has a monthly payment requirement of $50.00.

Payment example Auto Loan: Estimated APR: $25,000 Loan Amount at 2.99% APR, for 60 months= Payments as low as $449.32 per month. Payment example Signature Loan: Estimated APR: $25,000 Loan Amount at 7.94% APR, for 60 months= Payments as low as $507.00 per month.

Consumer fee schedule

BECOME A MEMBER and find out for yourself, why Sierra Central Credit Union
is Northern California's premier
financial institution.