Signature and Secured Loans

Signature Loan

Sierra Central’s Signature Loan makes it easy to recover from your holiday, consolidate debt, make home repairs or a major purchase, with a quick and easy Signature Loan

Featuring a special rate starting as low as 5.49% APR*, for up to 36-months and offering a 3-month payment deferral.

Our Signature Loan provides funds for personal expenses, purchases or just consolidate debt.  Use a personal signature loan for almost any purpose.

  • Terms up to 60 months
  • Low fixed interest rate
  • Minimum loan limit of $1,000
  • Maximum loan limit up to $25,000

*5.49% APR=Annual Percentage Rate is available January 1, 2022 through February 28, 2022 on terms of 0 to 36 months and subject to rules, restrictions and underwriting guidelines. Rate, terms and fees subject to credit approval and can change at any time without notice. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within a range of rates and depend on a variety of factors, including evaluation of your credit worthiness, income and other factors. Membership open to all that live, work, worship or attend school in any branch location county. Membership and/or participation fees may apply.


Picture of happy couple window shopping. Text reads Secured Loan.

Secured Loan

A Secured Loan gives you the ability to borrow against your Sierra Central Share Certificate investment.

  • 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

*Signature loan subject to credit approval and certain rules and restrictions may apply. Secured loan does not require credit check and has a monthly payment requirement of $50.00.