Sierra Central Credit Union Chico CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Sierra Central, your trusted partner in financial services located at 1384 East Ave, Chico, CA 95926. Established in 1955, we have built a strong reputation as a reliable credit union dedicated to serving our community. With over 82,000 members and total assets exceeding $1.4 billion, we prioritize your financial well-being and strive to meet your banking needs with a personal touch. At Sierra Central, we understand the importance of community and are committed to making a positive impact. Our team of 220 dedicated employees, led by CEO Ron Sweeney and Board President Tib Belza, works tirelessly to provide top-notch services ranging from personal banking and auto loans to mortgage solutions and business financing. Our total loans amount to 48,752, reflecting our commitment to supporting both individual and business aspirations. For your convenience, our branch is equipped with an ATM for easy access to your funds, while our friendly staff is always ready to assist you with any inquiries or banking needs. While members can visit us at our Chico location, official correspondence should be directed to our mailing address at 1351 Harter Pkwy, Yuba City, CA 95993. Our financial strength speaks volumes: with total deposits of $110 million, a net worth of $145 million, and cash in hand amounting to $17 million, you can trust that your money is safe with us. We invite you to explore all that Sierra Central has to offer by visiting our website at sierracentral.com or giving us a call at 800-222-7228. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

Welcome to Sierra Central, where our roots run deep in the heart of Chico, CA. Established in 1955, our branch has grown alongside this vibrant community, providing valuable financial services and support to our members. Over the decades, we've welcomed many families into our credit union family, proudly serving a total membership of 82,655. As we have evolved, our commitment to helping each member achieve their financial goals has remained steadfast. Located at 1384 East Ave, Chico, CA 95926, our branch is not just a place for transactions; it's a hub of community engagement. We are proud to be part of a city known for its beautiful parks and friendly neighborhoods. While members can visit us at our branch address, official correspondence should be sent to 1351 Harter Pkwy, Yuba City, CA 95993. At Sierra Central, we believe that everyone deserves access to quality financial services. Our mission is simple yet powerful: to enhance the lives of our members and strengthen the communities we serve. We offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans and refinancing, as well as business banking solutions. Our commitment extends beyond just financial products; we strive to provide exceptional customer service and educational resources that empower individuals on their financial journey. With total assets reaching an impressive $1,438,743,317, Sierra Central is well-equipped to support our members' needs. We have also embraced technology to enhance your banking experience with features like online and mobile banking for easy access anytime you need it. Our operating hours reflect our dedication to being available when you need us: Monday through Thursday from 8:00 AM to 5:30 PM and Friday from 9:00 AM to 6:00 PM. Additionally, we proudly offer ATM availability for quick withdrawals and balance checks. As we look ahead, we remain committed to building partnerships within the community through outreach programs and initiatives that support local causes. At Sierra Central, you're not just a number; you're part of a family that cares about your future. Join us today and discover how Sierra Central can help you achieve your financial dreams! Whether you're looking for a new account or simply seeking advice on managing your finances better, we're here for you. Reach out to us at 800-222-7228 or visit us at Sierra Central for more information on how you can become part of our growing family!

Branch Location & Accessibility

Accessibility Features

At Sierra Central, we believe that banking should be accessible for everyone. Our branch is fully ADA compliant, featuring ramps and wide entrances to ensure ease of access for all our members. Plus, ample parking is available right outside our doors so you can visit us with ease.

Operating Hours

We know that life can be busy, which is why we offer flexible hours to fit your schedule. Visit us Monday through Thursday from 8:00 AM to 5:30 PM and on Friday from 9:00 AM to 6:00 PM. Whether you're looking to open an account, apply for a loan, or simply ask a question, our dedicated team is here to help!

Services Offered

Sierra Central offers a variety of services tailored just for you. Need help with personal banking? We provide checking and savings accounts alongside auto loans and mortgage refinancing options. If you're looking for business solutions, we also offer merchant services and business loans. Don't forget about our online and mobile banking options that let you manage your finances on the go! For those who prefer cash transactions, we've got you covered with ATM availability right at our location. While we do not have drive-thru banking at this branch, our friendly staff is always ready to assist you inside. If you have any questions or need assistance before your visit, don't hesitate to give us a call at 800-222-7228. We're excited to welcome you into the Sierra Central family! While members can visit us at 1384 East Ave in Chico, official correspondence should be sent to our mailing address at 1351 Harter Pkwy in Yuba City. We look forward to seeing you soon!

Member Eligibility

Joining the vibrant community at Sierra Central is a wonderful opportunity to enhance your financial journey. At our branch located at 1384 East Ave Chico Ca 95926, we welcome individuals who live, work, or worship in our service area. Whether you're looking for a checking account, a loan, or simply a supportive financial partner, becoming a member is straightforward and fulfilling. To explore all the details about eligibility and find out if you qualify, please visit our website at . If you're ready to take the next step, opening an account is just as easy! You can find all the information you need by visiting https://app.loanspq.com/xa/xpressapp.aspx?action=home&enc=kw21wblm1yxpjjabdozad6beegwm2r2ltm9j1x2hxklsu3anxkmzznauheycrkngiacstiqkw4zy5ozvdqvbgmydnmc8aanjojikhep1doq. Should you have any questions or need assistance, feel free to reach out to us at (800) 222-7228. We're excited to help you start this journey with us!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $110 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $44,698,373, we continue to drive economic growth by financing new and expanding businesses. Imagine a local café looking to expand its seating area or a tech startup needing funds for equipment. Our loans can make these dreams a reality, providing the financial boost necessary for success.

Merchant Services

In addition to loans, we offer robust merchant services designed to simplify transactions for your business. Whether you're processing credit card payments or managing your cash flow, our tools help you operate smoothly and efficiently. Picture a bustling retail store where customers can easily check out, thanks to fast payment solutions this is what we aim to provide at Sierra Central. Explore how our business banking services can be the catalyst for your success. Visit us at 1384 East Ave Chico Ca 95926 or give us a call at (800) 222-7228 today!

Comprehensive List Of Services

Accessibility and Convenience

Accessing your accounts has never been easier with our ATM services available for cash withdrawals and balance checks. Plus, with digital banking features like e-statements and person-to-person payments, managing your finances is straightforward and hassle-free. We invite you to visit us at Sierra Central located at 1384 East Ave Chico Ca 95926 or give us a call at (800) 222-7228. Our friendly staff is eager to help you explore these services further and find solutions tailored just for you. Join us today to discover how we can support your financial goals!

Business Banking Services

For our business members, we offer tailored solutions including merchant services and business loans. We know how vital it is to have reliable financial tools when running a business. Our team is here to provide assistance every step of the way.

Home Financing Options

Homeownership is within reach with our mortgage loans and refinancing solutions. Picture yourself settling into a home that's perfect for you and your family. Our mortgage experts are ready to guide you through every step of the process, helping you find the best loan options available.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that offer flexibility and ease of access. Imagine having a place where you can easily manage your daily expenses while also saving for those special moments in life. With our online and mobile banking features, you can check your balance or transfer funds anytime, right from your phone. If you're considering buying a new car, our auto loans and vehicle financing options are designed with you in mind. We understand that getting the right vehicle is important for your lifestyle. Whether it's a new car or refinancing an existing loan, we aim to provide competitive rates that fit your budget.

Personal Loans Made Easy

For those unexpected expenses or plans that require a little extra funding, our personal loans and debt consolidation services can help alleviate financial stress. Life happens, and having support during those times can make all the difference.

Rewards Credit Cards

Don't forget about our credit cards with rewards! Whether you're making everyday purchases or planning for a vacation, earning rewards on what you spend adds value to your financial decisions.

Digital & Online Banking

At Sierra Central, we understand that life is busy, and managing your finances shouldn't add to your stress. That's why we offer a range of digital and online banking services designed to make banking easier, safer, and more accessible for you. With our online banking platform, you can access your accounts anytime, anywhere. Whether you're checking your balance, paying bills, or transferring money between accounts, our 24/7 online banking services put you in control. You can also set up electronic statements to keep your records organized and reduce paper clutter saving the planet one statement at a time! For those moments when you need to send money quickly to a friend or family member, our person-to-person transfer feature makes it simple and fast. Just a few taps on your mobile device and the money is on its way. And if you prefer using mobile payments for added convenience while shopping, we've got you covered there too with our mobile payments feature. Our dedicated mobile application allows you to manage your finances right from your smartphone. With easy navigation and user-friendly design, you'll find everything you need at your fingertips. Plus, if you're looking to sign documents without the hassle of printing or mailing them, we offer electronic signature authorization for a quicker process. With all these features combined, banking at Sierra Central becomes not just convenient but secure as well. Your information is protected with top-notch security measures so you can bank with peace of mind. We're here to support you every step of the way in managing your financial journey!

Financial Strength

At Sierra Central, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation to support you in achieving your financial goals. With a net worth of $145,176,469, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1004 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This level of strength is crucial for our members' peace of mind. Members' savings are secured through $383,601,730 in share certificates and $334,917,298 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize our members by ensuring that our resources directly benefit you through better loan rates, lower fees, and exclusive perks. With $122,257,492 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is impressive; we offer $23,031 in used auto loans and manage a total of $1,036,226,423 in loans and leases, supporting your financial needs across various sectors. Our operational efficiency is evident with a reported net income of $0, allowing us to continue delivering competitive loan rates and solid financial products for our members. We are also proud to have 208 full-time employees and 12 part-time employees, ensuring that our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments) stand at $2,071,809 while our member base continues to grow with a total of 154,523 share accounts. This reflects the trust that our community places in us as their financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing or planning for the future, Sierra Central is your trusted partner. Visit us at 1384 East Ave Chico Ca 95926 or call 800-222-7228 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Loan Offering

Additional Offerings

For business owners, our outstanding commercial loans totaling $44,698,373 provide the capital needed to grow and expand. We also have various personal loan options that can assist you in debt consolidation or covering unexpected expenses. If you're considering refinancing any existing loans, we're here to help guide you through the process and find an option that suits your financial situation. Our experienced staff is available to discuss eligibility options and answer any questions you may have about our loan products. Feel free to reach out at (800) 222-7228 during our operating hours: Monday-Thursday from 8:00 AM to 5:30 PM and Friday from 9:00 AM to 6:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. When it comes to achieving your financial dreams, trust Sierra Central as your partner in navigating the world of loans.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $444,391,013 in used vehicle loans and $149,043,030 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have options that can fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $38,272,554, make buying or refinancing simple. We aim to provide you with favorable terms that support your journey toward owning a home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $25,565,628 in loans helping members manage their finances effectively. These cards are perfect for everyday purchases and can help you build or improve your credit score.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that you receive fair and transparent offers tailored to your needs. Each loan offer is backed by verified data, enhancing your confidence in the choices you make.

Sierra Central