Sierra Central RatesSierra Central Rates
Current rates

Our Rates. If it's time to save or spend, let Sierra Central help make your goals reality.

Credit Cards

Exclusive rates for members
Please Select Rate
VISA® Premier
*APR as low as
Up to
Intro Rate
25-day grace period on purchases.
As of date:
April 1, 2026
VISA® Premier Rewards
*APR as low as
Up to
Intro Rate
Introductory APR of 10.99% for the first 6 months. After the introductory period, APR ranges from 13.74% to 19.99%, based on the Prime Rate plus a margin.
As of date:
April 1, 2026
Business VISA®
*APR as low as
Up to
Intro Rate
Introductory APR of 13.99% for the first 6 months. After the introductory period, APR ranges from 16.74% to 22.99%, based on the Prime Rate plus a margin.
As of date:
April 1, 2026
My First VISA®
*APR as low as
Up to
Intro Rate
Introductory APR of 18.99% for the first 6 months. After the introductory period, APR ranges from 21.74% to 27.99%, based on the Prime Rate plus a margin.
As of date:
April 1, 2026
Secured VISA®
*APR as low as
Up to
Intro Rate
APR up to 22.99%, based on the Prime Rate plus a margin. No introductory rate applies.
As of date:
April 1, 2026
*APR = Annual Percentage Rate may vary depending on loan details such as amount financed, term, credit history and loan fees. As low as rate based on platinum tier and 72 month financing.  Rates are subject to change without notice. LTV = Loan to value. All loans subject to credit approval and some restrictions may apply. Payment example Motorcycle Loan: Estimated APR of 10.99% on a loan amount of $25,000, for 72 months= Payments as low as $478.00 per month. Lower rate options may be available based on a lower loan-to-value percentage, credit tier, or length of membership.

Need something else?

Sierra Central members are always welcome to stop by one of our 19 branch locations. Sometimes speaking with a local financial expert, is just what is needed!

Couple getting help from Sierra Central