Credit Union
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Sierra Pacific Federal Credit Union

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Sierra Pacific Federal Credit Union is a credit union that serves the residents of Nevada and Northern California. It was founded in 1936 to provide affordable financial services to its members. As a credit union, Sierra Pacific is a not-for-profit financial cooperative that is owned and governed by its members.

Sierra Pacific Federal Credit Union offers a range of financial products and services to its members, including checking and savings accounts, loans, credit cards, online and mobile banking, and investment services. The credit union is known for its low fees and competitive rates, as well as its commitment to providing personalized service and support to its members.


Sierra Pacific Federal Credit Union offers membership to those who live, work, worship, or attend school in certain areas of California, including Placer, Nevada, El Dorado, Sacramento, Yolo, and Solano counties. Membership is also available to immediate family members of current credit union members. Additionally, membership is open to those who work for select employer groups and associations. To become a member, individuals must complete an application and maintain a minimum balance of $5 in a savings account.

Products and Services

Sierra Pacific Federal Credit Union offers a range of products and services to its members, including:

  1. Checking accounts. Sierra Pacific FCU offers various checking account options, including a free checking account, dividend-earning checking account, and second-chance checking account.

  2. Savings accounts. The credit union offers a variety of savings accounts, including a basic savings account, money market accounts, and certificates of deposit (CDs). The CDs have flexible terms ranging from 3 months to 60 months.

  3. Loans. Sierra Pacific FCU provides a variety of loan products, including auto loans, personal loans, credit builder loans, and home loans. The credit union offers competitive rates and flexible repayment terms.

  4. Credit cards. Sierra Pacific FCU offers Visa credit cards with low interest rates and rewards options.

  5. Online banking. Members can access their accounts online to view account balances, transfer funds, and pay bills.

  6. Mobile banking. Sierra Pacific FCU offers a mobile banking app for both iOS and Android devices. Members can use the app to deposit checks, transfer funds, and manage their accounts on the go.

  7. Other services. The credit union also provides additional services such as direct deposit, overdraft protection, and notary services.

Overall, Sierra Pacific Federal Credit Union offers a range of financial products and services to its members with a focus on low fees, competitive rates, and convenient access.

Access on the Go

Sierra Pacific Federal Credit Union offers a range of digital services to its members, allowing them to manage their accounts on the go. Members can access their accounts and perform various banking transactions through the credit union's online banking platform and mobile app, including:

  1. Account management. Members can view account balances and transaction history, transfer funds between accounts, and make loan payments.
  2. Mobile check deposit. Members can deposit checks remotely by taking a photo of the check through the mobile app.
  3. Bill pay. Members can pay bills online or through the mobile app, scheduling one-time or recurring payments.
  4. Card control. Members can manage their debit and credit cards through the mobile app, including setting spending limits and turning cards on or off.
  5. ATM and branch locator. Members can use the mobile app to find the nearest ATM or Sierra Pacific Federal Credit Union branch.

These digital services provide members with convenient access to their accounts and allow them to manage their finances on the go.

Which associations the Sierra Pacific FCU belongs to?

Sierra Pacific Federal Credit Union is a member of the National Credit Union Administration (NCUA) and the Credit Union National Association (CUNA).

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