Sierra Central Credit Union Chico CA | Best Auto Loans & Business Banking

Introduction

Welcome to Sierra Central, your trusted credit union located at 352 E 1St St, Chico, CA 95928. Since our establishment in 1955, we have dedicated ourselves to serving the financial needs of our community with integrity and care. With a strong membership base of over 82,655 members, we take pride in offering personalized banking solutions tailored just for you. At Sierra Central, we understand that your financial journey is unique. That's why our total assets exceed an impressive $1.4 billion, allowing us to provide a range of services including personal checking and savings accounts, auto loans, mortgages, and business banking options. We currently manage $110,156,615 in deposits and have facilitated a total of 48,752 loans, ensuring that we can support our members' goals whether it's buying a new car or financing a home. Under the leadership of CEO Ron Sweeney and Board President Tib Belza, our team is committed to making your banking experience seamless and rewarding. With resources like online banking and mobile payments available, accessing your accounts has never been easier. While members can visit us at 352 E 1St St, official correspondence should be sent to the same address for clarity. If you have any questions or need assistance, don't hesitate to reach out by phone at 530-345-3625 or explore more on our website at Sierra Central. Join us today and experience how we can help you achieve financial success!

Branch History & Mission

Community Commitment

Sierra Central isn't just about numbers; it's about people. We actively engage in community outreach programs and partnerships aimed at uplifting those around us. Our commitment extends beyond financial transactions; it's about building relationships that last. We offer ADA-compliant facilities and various customer-centric initiatives ensuring everyone feels welcome. Additionally, with modern conveniences like online banking and mobile payments available for our members, accessing your accounts has never been easier or more secure. We also provide ATM services for quick cash withdrawals and balance checks right when you need them.

Join Us Today!

As we look toward the future with excitement and optimism, we invite you to become part of the Sierra Central family. Experience firsthand how we can help you achieve your financial goals while being part of a vibrant community-focused institution. Join us today and discover all the benefits waiting for you at Sierra Central!

Our Journey

From our humble beginnings, Sierra Central has always focused on providing accessible and affordable financial services. With total assets reaching an impressive $1,438,743,317, we have established ourselves as a reliable institution committed to the financial well-being of our members. Our journey has been marked by milestones that reflect our dedication to growth and service. As we evolved, so did our offerings expanding from basic savings accounts to a wide array of services including auto loans, mortgages, and business banking solutions.

Our Mission

At Sierra Central, our mission is straightforward: to empower our members through exceptional financial services while fostering strong community ties. We strive to make banking simple and accessible for everyone in Chico and beyond. Whether it's helping someone buy their first car or providing resources for local businesses to thrive, we believe in making a real impact in people's lives. While you can visit us at 352 E 1st St for all your banking needs during our operating hours Monday to Thursday from 9:00 am to 5:30 pm and Friday from 9:00 am to 6:00 pm we also ensure that communication is seamless. For any official correspondence, please send it to our mailing address at 352 East 1st Street, Chico, CA 95928.

Branch Location & Accessibility

Welcome to Sierra Central, your friendly neighborhood credit union located at 352 E 1St St in Chico, CA. Nestled in the heart of Butte County, our branch is easily accessible and close to local landmarks like the beautiful Bidwell Park and the bustling downtown area. Whether you're running errands or enjoying a day out, we're here to support your financial needs. At Sierra Central, we prioritize convenience for all our members. Our branch offers ample parking and features that comply with ADA standards, ensuring everyone can access our services comfortably. While you can visit us at our physical location for personal banking services, please note that any official correspondence should be sent to our mailing address: 352 East 1st Street, Chico, CA 95928. Our doors are open during the week to serve you better Monday through Thursday from 9:00 AM to 5:30 PM and Friday from 9:00 AM to 6:00 PM. We also offer ATM services, so you can manage your cash needs anytime. Though we do not have a drive-thru service, our team is always ready to assist you inside the branch with various services like checking and savings accounts, auto loans, mortgage financing, personal loans, and more. If you have any questions or need assistance, feel free to give us a call at 530-345-3625. We're excited to welcome you to Sierra Central where your financial journey is our priority!

Member Eligibility

Becoming a member of Sierra Central means joining a caring community that prioritizes your financial well-being. If you're looking to take advantage of our friendly services and personalized support, you're in the right place! At Sierra Central, we welcome individuals who live, work, or worship in our local area. Whether you're a student, a professional, or enjoying retirement, there's an opportunity for you to join us and benefit from competitive rates on loans and savings. To get started, simply visit us at our branch located at 352 E 1St St Chico Ca 95928, or give us a call at (530) 345-3625 for more information. You can also find detailed eligibility criteria by checking out our website here: . Opening an account is straightforward and designed with you in mind; you can begin that process by visiting this link: https://app.loanspq.com/xa/xpressapp.aspx?action=home&enc=kw21wblm1yxpjjabdozad6beegwm2r2ltm9j1x2hxklsu3anxkmzznauheycrkngiacstiqkw4zy5ozvdqvbgmydnmc8aanjojikhep1doq. We can't wait to welcome you to the Sierra Central family!

Business Banking & Commercial Services

Lending Options That Empower Growth

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.

Merchant Services That Make Transactions Easy

In addition to loans, we offer merchant services tailored for everyday operations. Imagine being able to accept payments seamlessly from customers, whether they're paying with a card or mobile wallet. These tools help you streamline your business processes and focus on what matters most serving your customers. Visit us at 352 E 1St St Chico Ca 95928 or call us at (530) 345-3625 to discover how we can help your business thrive today!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, you'll appreciate our dedicated Business Banking services. We provide Merchant Services & Business Loans designed to support small businesses in their growth journey. From managing cash flow to funding new projects, we're here to assist you in navigating the financial landscape.

Convenient Access

In addition to personalized service from our friendly staff, we also offer convenient ATM & Cash Withdrawal Services, ensuring that accessing your money is quick and easy. With basic ATM access available for withdrawals and balance checks, you'll never be far from your funds. If you have any questions or need assistance, don't hesitate to reach out! You can contact us at 530-345-3625, and our team will be happy to help. As part of our commitment to convenience, we invite you to explore all these services at your own pace by visiting us online at Sierra Central. Join us today and discover how we can support your financial journey!

Financing Options

When it comes time to make significant purchases or investments, Sierra Central has got you covered. Our Auto Loans & Vehicle Financing options make it easy for you to drive away in your dream car with competitive rates and flexible terms. Additionally, if you're considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services can help simplify the process. For those unexpected expenses or when you want to consolidate debt, our Personal Loans & Debt Consolidation solutions provide the financial relief you need without added stress. And don't forget about our rewarding Credit Cards, which not only offer great benefits but also help you manage daily expenses efficiently.

Personal Banking Solutions

Whether you're just starting out or looking to manage your wealth, our Personal Banking services are designed to help you every step of the way. We offer Checking & Savings Accounts that cater to various lifestyles and savings habits. Imagine having access to your funds anytime through our robust Online & Mobile Banking platforms, allowing you to check balances, transfer money, and even make payments right from your smartphone.

Digital & Online Banking

Accessibility & Real-Time Management

All these features come together to give you real-time account management at your fingertips. You can stay on top of your finances whenever you want and wherever you are. At Sierra Central, we're committed to making your banking experience not only easier but also more enjoyable. Join us today and take full advantage of our digital services!

Mobile Application

For those who prefer banking on their smartphones, our mobile application is designed just for you. Enjoy features like mobile payments that allow quick transactions with just a tap, and person-to-person transfers that make sending money to friends and family as easy as sending a text.

Online Banking Services

With our 24/7 online banking services available at https://www.sierracentral.com/, accessing your accounts has never been simpler. Whether you need to check your balance, transfer funds, or pay bills, you can do it all from the comfort of your home or on the go.

User-Friendly Features

We prioritize your safety and satisfaction. That's why we offer electronic signature authorization, ensuring a secure process for signing documents without the hassle of printing. Plus, our e-statements make it easy for you to view your financial statements online, helping you keep track of your spending while reducing paper clutter.

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 proud to share that our financial data reflects strong performance and reliability, allowing us to serve our community effectively. 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. 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. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting 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. Additionally, with $23,031 in used auto loans and over $1 billion in total loans and leases, our lending capacity supports members' financial goals across various sectors. While we report a net income of $0, this reflects our commitment to reinvesting back into the community rather than focusing solely on profits. Our dedicated team of 208 full-time employees and 12 part-time employees ensures our branches are always ready to serve you with knowledgeable support. Our total share accounts have reached an impressive 154,523, showing a strong and growing member base that trusts us with their finances. We also have net shares available for lending and investments at $2,071,809, highlighting our ability to support your financial needs effectively. 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 352 E 1St St Chico Ca 95928 or call 530-345-3625 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 understand how vital access to funds can be for your business success. If you're considering refinancing or exploring eligibility options for any of our loan products, our team is ready to assist you with all the information you need. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey with ease!

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. We provide flexible financing options for both new and used vehicles to ensure you find the perfect fit for your budget and lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $38,272,554, making buying or refinancing simple. We also offer competitive rates and terms to help make your homeownership dreams a reality.

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. This is a great option for those who want to consolidate debt or cover unexpected expenses without the need for collateral.

Loan Aggregator

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 users receive fair and transparent offers tailored to their needs. Each lender featured on LendMesh undergoes a thorough verification process to guarantee accuracy in the loan information provided.

Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide truly unbiased results for users. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, which aids in making well-informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This type of feedback reinforces LendMesh's commitment to delivering valuable insights and reliable service. To take control of your financial future and compare real-time loan offers today, visit LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Sierra Central