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

Introduction

Welcome to Sierra Central, your trusted financial partner located at 520 Bogue Rd Ste 1, Yuba City, CA 95991. Since our establishment in 1955, we have been committed to serving our community with integrity and dedication. With a total membership of 82,655 and assets exceeding $1.43 billion, we pride ourselves on being a reliable resource for all your banking needs. At Sierra Central, we understand the importance of building strong relationships with our members. Our experienced team, led by CEO Ron Sweeney and Board President Tib Belza, is here to assist you in achieving your financial goals. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we offer a wide range of services tailored just for you. We also support local businesses with various options, including business loans and merchant services. Our commitment to community impact is reflected in our net worth of $145 million and the significant support we provide through member business loans totaling $46 million. While members can visit us at our branch address, official correspondence should be sent to the same location: 520 Bogue Road Suite 1, Yuba City, CA 95991. We invite you to reach out to us at 530-822-7942 or explore our website at sierracentral.com for more information on how we can help you succeed financially. Your journey towards financial empowerment starts here. Join us today!

Branch History & Mission

Community Engagement

Sierra Central actively participates in various community outreach efforts that strengthen our ties with local organizations and charities. By partnering with schools and non-profits, we aim to uplift those around us and contribute positively to the Yuba City area. We invite you to experience the benefits of being part of Sierra Central. Join us today and discover how we can help you achieve your financial goals while making a difference in our community together. Call us at 530-822-7942 or visit our website at www.sierracentral.com for more information on how you can become a member!

Mission Statement

At Sierra Central, our mission is clear: we strive to empower our members by providing exceptional financial services while fostering a sense of community support. We believe in building lasting relationships based on trust and integrity. Whether you're looking to open your first checking account or seeking financing for your dream home, we are here to guide you every step of the way. While members can visit us at 520 Bogue Rd Ste 1, official correspondence should be sent to 520 Bogue Road Suite 1, Yuba City, CA 95991 if necessary. This ensures that all communications reach us promptly as we continue our commitment to serving you.

Our Story

From the start, Sierra Central was founded on the principle of serving the community. Over the years, we have expanded our offerings to include a wide array of financial services from personal banking and auto loans to mortgage financing and business banking. Today, with total assets exceeding $1.4 billion, we are proud to provide robust financial solutions tailored to fit the diverse needs of our members. Our commitment to accessibility is evident in our operating hours: Monday through Thursday from 9:00 AM to 5:30 PM and Friday from 9:00 AM to 6:00 PM. For those who prefer digital banking, we offer online and mobile banking options that make managing your finances simple and convenient. Our ATM is available for cash withdrawals and balance checks, ensuring that you have access whenever you need it.

Branch Location & Accessibility

Accessibility Features

At Sierra Central, we believe that everyone deserves easy access to financial services. Our branch is fully ADA compliant, featuring ramps and accessible entrances to welcome all members of our community.

Convenient Location

Situated near popular local spots, you can easily find us close to the vibrant shopping areas and parks that make Yuba City so charming. Whether you're stopping by after running errands or visiting nearby attractions, our location is designed for easy access. Plus, we have ample parking available, ensuring that your visit is as hassle-free as possible.

Get in Touch

Have questions or need assistance? Feel free to call us at (530) 822-7942! Our team is eager to help you achieve your financial goals. Come visit us today and discover how Sierra Central can support your journey towards better financial health!

Operating Hours and Services

We're here for you during convenient hours: Monday through Thursday from 9:00 AM to 5:30 PM, and Friday from 9:00 AM to 6:00 PM. This flexibility means you can stop by before work or after school without any stress. As for services, we offer a wide range of options including personal banking accounts, auto loans, mortgage refinancing, and even business banking solutions. Need cash? Our ATM is readily available for quick withdrawals and balance checks. While members can visit us at 520 Bogue Rd Ste 1 Yuba City Ca 95991, official correspondence should be sent to our mailing address at 520 Bogue Road Suite 1, Yuba City, CA 95991.

Member Eligibility

Welcome to the family at Sierra Central! We're excited to invite you to become a member of our vibrant community located at 520 Bogue Rd Ste 1 Yuba City Ca 95991. Membership is open to anyone who lives, works, or worships in the area we serve, making it easy for you to join. Whether you're looking for a new checking account, an auto loan, or simply a supportive place for your financial needs, being part of Sierra Central means you'll enjoy personalized service and competitive rates tailored just for you. Getting started is simple! You can find all the details about eligibility by visiting our website at . If you're ready to open your account today, check out our account opening process here: https://app.loanspq.com/xa/xpressapp.aspx?action=home&enc=kw21wblm1yxpjjabdozad6beegwm2r2ltm9j1x2hxklsu3anxkmzznauheycrkngiacstiqkw4zy5ozvdqvbgmydnmc8aanjojikhep1doq. Should you have any questions or need assistance, feel free to call us at (530) 822-7942. We're here to help you every step of the way as you embark on this exciting journey with us!

Business Banking & Commercial Services

Business Loans That Make a Difference

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 having the capital you need to invest in equipment, hire staff, or launch a new product line. Our loans provide the flexibility you need, so you can focus on what matters most growing your business.

Merchant Services for Everyday Success

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: a customer walks into your store and seamlessly pays using their mobile device or credit card. Our services ensure quick transactions and enhance customer satisfaction, giving you more time to focus on serving your clientele. Located conveniently at 520 Bogue Rd Ste 1 Yuba City Ca 95991 in Yuba City, CA, we're here to support you every step of the way. Contact us today at (530) 822-7942 to learn how we can help your business reach its full potential!

Comprehensive List Of Services

Business Banking Support

For local businesses, we provide comprehensive Business Banking services, including Merchant Services and Business Loans. We know how vital it is for businesses to have access to reliable financial resources, and our team is here to assist with everything from cash flow management to financing growth opportunities.

Cash Access Made Simple

Need cash quickly? Our ATM & Cash Withdrawal Services provide basic ATM access for withdrawals and balance checks right when you need it most. With ATMs conveniently located throughout the area, getting cash has never been easier. We invite you to visit us at Sierra Central, where our friendly team is ready to help you navigate your financial journey. If you have questions or want more information about any of our services, don't hesitate to call us at (530) 822-7942. Join us today and experience the difference that personalized banking can make!

Embracing Digital Convenience

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking services that allow you to manage your accounts on-the-go. Whether you're checking balances, transferring funds, or paying bills from your phone or computer, you'll find that banking with us is easy and accessible anytime.

Financial Assistance When You Need It

Life can throw unexpected expenses your way, which is why we offer Personal Loans & Debt Consolidation solutions. These loans are ideal for anyone looking to simplify their finances or manage unforeseen costs more effectively. Plus, our Credit Cards with Rewards give you the chance to earn while you spend, making everyday purchases even more rewarding.

Personal Banking Solutions

Whether you're opening your first checking account or saving for a major life event, we have you covered with our Personal Banking options. Our Checking and Savings Accounts are designed with your everyday banking needs in mind, offering features that make managing your finances easier. For those looking to finance a new vehicle, our Auto Loans & Vehicle Financing provide competitive rates and flexible terms. And if home ownership is on your horizon, explore our Mortgage Loans & Refinancing options to find the right fit for your budget.

Digital & Online Banking

Mobile Banking Features

For those who prefer banking on their mobile devices, our mobile application is here for you. It's packed with features like mobile payments, so you can pay for goods and services directly from your phone. Plus, enjoy the ease of person-to-person transfers no more worrying about cash or checks! Simply send money to friends or family with just a few taps.

Online Banking Services

Our 24/7 online banking services allow you to check your account balance, transfer funds, pay bills, and more all at your convenience. Visit us at https://www.sierracentral.com/ to access your account anytime you need. Whether it's early in the morning or late at night, you have complete control over your finances whenever it suits you.

Security and Convenience

Your security is our priority. With electronic signature authorization available, signing documents is quick and safe. You can also opt for e-statements, reducing paper clutter while keeping all your important information secure and easily accessible online. At Sierra Central, we believe that banking should adapt to your lifestyle. Our digital services ensure that managing your money is not only straightforward but also secure. So whether you're using our website or mobile app, rest assured that you're in good hands. Experience banking made easy today!

Financial Strength

Growing Trust

The total share accounts stand at 154,523, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments are currently at $2,071,809. 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 520 Bogue Rd Ste 1 Yuba City Ca 95991 or call (530) 822-7942 to learn more about how we can help you achieve your financial goals.

Investment in Growth

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 supports your financial goals across various sectors with $23,031 in used auto loans and $1,036,226,423 in total loans and leases.

Member-Centric Savings

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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 208 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Metrics

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 $1,004 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

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 believe that financing should be straightforward and accessible. If you're considering refinancing your current auto loan, we also have options available to help you save even more.

Business Financing

For business owners, our outstanding commercial loans totaling $44,698,373 provide the capital needed to grow and expand. We understand that every business has different needs, and our team is here to help you navigate your financing options. At Sierra Central, we pride ourselves on being more than just a financial institution; we're a partner in your financial journey. If you're interested in learning more about our loan products or checking your eligibility, feel free to reach out at (530) 822-7942 or visit us during our operating hours: Mon - Thurs 9:00 am - 5:30 pm, Fri 9:00 am - 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. Let us help you find the right loan product that suits your needs today!

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. Whether you're a first-time homebuyer or looking to upgrade your living situation, our team can guide you through the process to find the right fit for your budget.

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 provide an excellent way to build credit while enjoying the convenience of easy payments and potential rewards.

Loan Aggregator

Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 approach guarantees that users receive fair and transparent offers.

Benefits of Using LendMesh

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Sierra Central