Member Offers & Promotions

Home Equity Line of Credit (HELOC)

Home Equity Line of Credit (HELOC)
Clover Promotion
Accept payments. Run your business. Sell more.

Now through September 30, 2025.

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The Promotion

Invest in your home with a Home Equity Line of Credit! Now for a limited time, we are offering a fixed rate of 4.5% APR* for 6 months.

If you’re looking to remodel, add solar, or upgrade your kitchen, a HOME EQUITY LINE OF CREDIT from a HOME LENDER who understands your financial situation and your personal goals, is a great investment solution. Let Sierra Central help you invest in your home and your future!

  • Introductory Rate: 4.5% fixed for 6 months.
  • Flexible Use: Funds can be used for home improvements, debt consolidation, education, expenses, and more.
  • Potential Savings: Take advantage of this low rate to save on interest payments compared to credit cards or personal loans.
  • Quick and easy application process.

On top of this great fixed rate, Sierra Central will cover your Home Equity Line of Credit (HELOC) closing costs!

To take advantage of this promotion or for more details, please visit your local branch or call 800-222-7228.

*Offer valid on Primary Residence, Second Homes, and Investment Properties. Max line amount $250,000 for Primary Residence and Second Homes. Max line amount $100,000 for Investment Properties. Minimum initial advance at funding $50,000. Manufactured Homes and Condominiums are ineligible. SFR, 1-4 Units are eligible. Rate, terms and fees subject to credit approval and underwriting guidelines and can change at any time without notice.

Refer-A-Friend
Refer-A-Friend
Earn up to $500 when you refer friends to Sierra Central!

Refer and earn when a new qualified personal Checking account is opened.

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Refer-A-Friend
Refer-A-Friend
Earn up to $500 when you refer friends to Sierra Central!

Refer and earn when a new qualified personal Checking account is opened.

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Investor Money Market
Investor Money Market
For a limited time, special rate for as high as
2.27%
APY

‍On balances of $300,000 or more.‍

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Investor Money Market
Investor Money Market
For a limited time, special rate for as high as
2.27%
APY

‍On balances of $300,000 or more.‍

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11-Month Share Certificate
11-Month Share Certificate
with a rate as high as
3.92%
APY

On balances of $100,000 or more.

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11-Month Share Certificate
11-Month Share Certificate
with a rate as high as
3.92%
APY

On balances of $100,000 or more.

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Pay's for A's Contest
Pay's for A's Contest
Good grades are rewarded!

5 winners receive $200 each semester!

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Pay's for A's Contest
Pay's for A's Contest
Good grades are rewarded!

5 winners receive $200 each semester!

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Get Paid Early
Get Paid Early
Get Paid Early— up to 2 business days!

Why wait for payday when you don’t have to?

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Get Paid Early
Get Paid Early
Get Paid Early— up to 2 business days!

Why wait for payday when you don’t have to?

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Clover Promotion
Clover Promotion
Accept payments. Run your business. Sell more.

Now through September 30, 2025.

Read more
Clover Promotion
Clover Promotion
Accept payments. Run your business. Sell more.

Now through September 30, 2025.

Read more