Cookie Consent

By clicking “Accept”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. View our Privacy Policy for more information.

PreferencesDeny Cookies Icon
Deny
Accept Cookies Icon
Accept
Cookie preferences
Sierra Central RatesSierra Central Rates
Current rates

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

Sierra Central Rates

Exclusive for members
Print Rates
Please Select Rate
Deposit Accounts
Share Certificates
Money Market
Consumer Loans
Credit Cards
Mortgages
Home Equity
Membership, Regular, & Minor Savings
Dividend Rate
APY*
Min Deposit
0.07
%
0.07
%
$
100
N/A
0.05
%
0.05
%
$
0.01
N/A
As of date:
May 1, 2026
Prime Checking
Dividend Rate
APY*
Min Deposit
0.05
%
0.05
%
$
2500
N/A
0.07
%
0.07
%
$
10000
N/A
0.1
%
0.1
%
$
25000
N/A
0.2
%
0.2
%
$
50000
N/A
0.75
%
0.75
%
$
100000
N/A
0.99
%
0.99
%
$
200000
N/A
1.24
%
1.25
%
$
300000
N/A
As of date:
May 1, 2026
Club Accounts
Dividend Rate
APY*
Min Deposit
0.12
%
0.12
%
$
0.01
N/A
Max deposit amounts for Holiday - $10,000; Vacation - $15,000; Tax - $25,000; and Back-to-School Club - $20,000
As of date:
May 1, 2026
IRA Savings
Dividend Rate
APY*
Min Deposit
1
%
1
%
$
0.01
N/A
As of date:
May 1, 2026
(SPECIAL) Share Certificate: 9-Month
Dividend Rate
APY*
Min Deposit
3.75
%
3.82
%
$
500
N/A
3.8
%
3.87
%
$
50000
N/A
3.85
%
3.92
%
$
100000
N/A
As of date:
May 1, 2026
Share Certificate: 18-Month
Dividend Rate
APY*
Min Deposit
3.12
%
3.17
%
$
500
N/A
3.17
%
3.22
%
$
50000
N/A
3.22
%
3.27
%
$
100000
N/A
As of date:
May 1, 2026
Share Certificate: 3-Month
Dividend Rate
APY*
Min Deposit
2.7
%
2.73
%
$
500
N/A
2.75
%
2.78
%
$
50000
N/A
2.8
%
2.84
%
$
100000
N/A
As of date:
May 1, 2026
Share Certificate: 6-Month
Dividend Rate
APY*
Min Deposit
3
%
3.04
%
$
500
N/A
3.05
%
3.09
%
$
50000
N/A
3.1
%
3.14
%
$
100000
N/A
As of date:
May 1, 2026
Share Certificate: 12-Month
Dividend Rate
APY*
Min Deposit
3.1
%
3.14
%
$
500
N/A
3.15
%
3.2
%
$
50000
N/A
3.2
%
3.25
%
$
100000
N/A
As of date:
May 1, 2026
Share Certificate: 24-Month
Dividend Rate
APY*
Min Deposit
3.15
%
3.2
%
$
500
N/A
3.2
%
3.25
%
$
50000
N/A
3.25
%
3.3
%
$
100000
N/A
As of date:
May 1, 2026
Share Certificate: 36-Month
Dividend Rate
APY*
Min Deposit
3.18
%
3.23
%
$
500
N/A
3.23
%
3.28
%
$
50000
N/A
3.28
%
3.33
%
$
100000
N/A
As of date:
May 1, 2026
Share Certificate: 48-Month
Dividend Rate
APY*
Min Deposit
3.25
%
3.3
%
$
500
N/A
3.3
%
3.35
%
$
50000
N/A
3.35
%
3.4
%
$
100000
N/A
As of date:
May 1, 2026
Share Certificate: 60-Month
Dividend Rate
APY*
Min Deposit
3.35
%
3.4
%
$
500
N/A
3.4
%
3.45
%
$
50000
N/A
3.45
%
3.51
%
$
100000
N/A
As of date:
May 1, 2026
Investor Money Market
Dividend Rate
APY*
Min Deposit
0.07
%
0.07
%
$
0.01
N/A
1.25
%
1.26
%
$
25000
N/A
1.5
%
1.51
%
$
50000
N/A
1.75
%
1.76
%
$
100000
N/A
2
%
2.02
%
$
200000
N/A
As of date:
May 1, 2026
Flex Money Market
Dividend Rate
APY*
Min Deposit
0.07
%
0.07
%
$
0.01
N/A
0.4
%
0.4
%
$
2500
N/A
0.65
%
0.65
%
$
10000
N/A
0.75
%
0.75
%
$
25000
N/A
1.25
%
1.26
%
$
50000
N/A
As of date:
May 1, 2026
IRA Money Market Savings
Dividend Rate
APY*
Min Deposit
0.07
%
0.07
%
$
0.01
N/A
1.5
%
1.51
%
$
2500
N/A
1.75
%
1.76
%
$
10000
N/A
2
%
2.02
%
$
25000
N/A
2.25
%
2.27
%
$
50000
N/A
As of date:
May 1, 2026
Line of Credit
*APR as low as
Up to
Intro Rate
14.74
%
23.74
%
$
N/A
As of date:
May 1, 2026
Auto: New or Used
*APR as low as
Up to
Intro Rate
4.99
%
14.24
%
$
N/A
125% of MSRP (includes tax, license and MRC) + GAP
As of date:
May 1, 2026
RV: New or Used
*APR as low as
Up to
Intro Rate
7.99
%
16.49
%
$
N/A
As of date:
May 1, 2026
Signature Loan
*APR as low as
Up to
Intro Rate
8.24
%
18.39
%
$
N/A
As of date:
May 1, 2026
ATV, Jet Ski, Snowmobile: New or Used
*APR as low as
Up to
Intro Rate
9.99
%
15.99
%
$
N/A
LTV up to 150% of invoice or wholesale NADA guide values where max vehicle age <= 10 years
As of date:
May 1, 2026
Boat: New or Used
*APR as low as
Up to
Intro Rate
9.99
%
16.24
%
$
N/A
LTV up to 150% of invoice or wholesale NADA guide values
As of date:
May 1, 2026
Motorcycle: New or Used
*APR as low as
Up to
Intro Rate
9.99
%
15.99
%
$
N/A
LTV up to 90%
As of date:
May 1, 2026
VISA® Premier Rewards
*APR as low as
Up to
Intro Rate
13.74
%
19.99
%
$
N/A
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:
May 1, 2026
Business VISA®
*APR as low as
Up to
Intro Rate
16.74
%
22.99
%
$
N/A
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:
May 1, 2026
My First VISA®
*APR as low as
Up to
Intro Rate
21.74
%
27.99
%
$
N/A
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:
May 1, 2026
Secured VISA®
*APR as low as
Up to
Intro Rate
22.99
%
22.99
%
$
N/A
APR up to 22.99%, based on the Prime Rate plus a margin. No introductory rate applies.
As of date:
May 1, 2026
Adjustable Rate Mortgage (5/1)
Rate
APR*
Intro Rate
5.75
%
6.54
%
$
N/A
As of date:
May 29, 2026
We charge a loan origination fee of 1% of the loan amount
Adjustable Rate Mortgage (2/2)
Rate
APR*
Intro Rate
4.875
%
6.28
%
$
N/A
As of date:
May 29, 2026
We charge a loan origination fee of 1% of the loan amount
Fixed Rate CO Refinance Mortgage (Jumbo)
Rate
APR*
Intro Rate
6.625
%
6.78
%
$
N/A
As of date:
May 29, 2026
We charge a loan origination fee of 1% of the loan amount
Lot Loan
Rate
APR*
Intro Rate
7.75
%
8.04
%
$
N/A
As of date:
May 29, 2026
We charge a loan origination fee of 1% of the loan amount
Fixed Rate Mortgage (Jumbo)
Rate
APR*
Intro Rate
6.625
%
6.78
%
$
N/A
As of date:
May 29, 2026
We charge a loan origination fee of 1% of the loan amount
GSFA Platinum Down Payment Assistance Program
Rate
APR*
Intro Rate
6.5
%
6.86
%
$
N/A
As of date:
May 29, 2026
We charge a loan origination fee of 1.875% of the loan amount
First Time Home Buyers (Town of Paradise)
Rate
APR*
Intro Rate
6.25
%
6.52
%
$
N/A
As of date:
May 29, 2026
We charge a loan origination fee of 1% of the loan amount
Middle Income Downpayment Assistance Program
Rate
APR*
Intro Rate
No items found.
As of date:
March 2, 2026
We charge a loan origination fee of 1.75% of the loan amount
Fixed Rate Mortgage (15-Year)
Rate
APR*
Intro Rate
5.75
%
6.19
%
$
N/A
As of date:
May 29, 2026
We charge a loan origination fee of 1% of the loan amount
Fixed Rate Mortgage (20-Year)
Rate
APR*
Intro Rate
6.125
%
6.48
%
$
N/A
As of date:
May 29, 2026
We charge a loan origination fee of 1% of the loan amount
Fixed Rate Mortgage (30-Year)
Rate
APR*
Intro Rate
6.25
%
6.52
%
$
N/A
As of date:
May 29, 2026
We charge a loan origination fee of 1% of the loan amount
VA Fixed Rate Mortgage (15-Year)
Rate
APR*
Intro Rate
6
%
6.17
%
$
N/A
As of date:
May 29, 2026
VA Fixed Rate Mortgage (30-Year)
Rate
APR*
Intro Rate
6.5
%
6.67
%
$
N/A
As of date:
May 29, 2026
5-year Small Balance Home Equity Loan
*APR as low as
Rate
APR*
Up to
Intro rate
6.25
%
6.5
%
$
N/A
As of date:
May 29, 2026
10-year Small Balance Home Equity Loan
*APR as low as
Rate
APR*
Up to
Intro rate
6.75
%
6.76
%
$
N/A
As of date:
May 29, 2026
Home Equity Loan
*APR as low as
Rate
APR*
Up to
Intro rate
7
%
7.23
%
$
N/A
As of date:
May 29, 2026
15-year Small Balance Home Equity Loan
*APR as low as
Rate
APR*
Up to
Intro rate
7.25
%
7.31
%
$
N/A
As of date:
May 29, 2026
Home Equity Line of Credit
*APR as low as
Rate
APR*
Up to
Intro rate
7.5
%
8
%
$
N/A
As of date:
May 29, 2026
*APY=Annual Percentage Yield assumes the principal and dividends will remain on deposit until maturity.  Dividend compound monthly.  Fees may reduce earnings.  Penalties for early withdrawal on term accounts.  Rates are subject to change without notice.  Membership open to those that live, work, or attend school in any of our branch location counties.  We reserve the right to correct printing/publishing errors.
*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 18 branch locations. Sometimes speaking with a local financial expert, is just what is needed!

Find your nearest branch
Couple getting help from Sierra Central