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

‍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.
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Consumer Fee Schedule

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1351 Harter Pkwy
Yuba City, CA 95993
1-800-222-7228
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Routing # 321174770

Consumer Fee Schedule | Business Fee Schedule
Insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Sierra Central Credit Union does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex (which includes gender identity and sexual orientation), marital status or age (provided the applicant has the capacity to enter into a binding contract).
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