Sierra Central Credit Union Yuba City CA | Low Mortgage Rates & Business Banking

Introduction

Welcome to Sierra Central, your trusted financial partner in the heart of Yuba City, located at 1351 Harter Pkwy, Yuba City, CA 95993. Established in 1955, our credit union has grown alongside our community, serving over 82,655 members with a commitment to providing personal and business banking solutions tailored to meet your needs. With total assets exceeding $1.43 billion, we ensure that our members have access to a wide range of financial services designed for success. At Sierra Central, we believe in empowering our members through financial education and support. Whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or business loans, we are here to help you achieve your financial goals. Our strong foundation is reflected in our total deposits of $110,156,615 and a robust net worth of $145,176,469, highlighting our stability and reliability as your local credit union. Our dedicated team of 220 employees, led by CEO Ron Sweeney and Board President Tib Belza, is passionate about making a positive impact in our community. We pride ourselves on fostering relationships that go beyond transactions; we are here to support you every step of the way. For any official correspondence, please send it to our mailing address: 1351 Harter Parkway, Yuba City, CA 95993. Feel free to reach out to us at 800-222-7228 for any questions or assistance you may need. Join us at Sierra Central today and discover the difference a member-focused credit union can make in your life! Visit our website at sierracentral.com for more information on how we can assist you on your financial journey.

Branch History & Mission

Community Commitment

Our journey through the decades has been marked by numerous partnerships and outreach efforts aimed at uplifting the communities we serve. Whether it's through sponsoring local events or collaborating with schools for financial literacy programs, we believe that investing in our community enriches us all. While members can visit us at 1351 Harter Pkwy, official correspondence should be sent to 1351 Harter Parkway, Yuba City, CA 95993 if different matters arise. You can always reach us at 800-222-7228 for any inquiries or assistance you may need. Join us at Sierra Central and become part of a credit union that prioritizes its members' needs while fostering a sense of belonging within the community. Experience firsthand how we are more than just a financial institution; we are your partners in achieving your dreams! For more information about our services or to open an account today, visit our website.

Our Mission

At Sierra Central, our mission goes beyond just providing financial services; it's about empowering individuals and strengthening our community. We strive to offer a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our goal is to make financial services accessible for everyone while supporting initiatives that foster community growth. We understand the importance of staying connected in today's fast-paced world. That's why we embrace modern technology with online and mobile banking options, ensuring our members can manage their finances anytime, anywhere. Additionally, with an ATM available on-site and no drive-thru service needed, we're committed to making transactions as convenient as possible.

Branch Location & Accessibility

Convenient Access

At our Yuba City Branch, we prioritize accessibility for all members. Our location offers ample parking space, and we are ADA compliant, ensuring that everyone can access our services comfortably. Whether you're visiting us for a quick transaction or need assistance with a loan or account, our friendly staff is ready to help.

Get In Touch!

Have questions? Don't hesitate to give us a call at 800-222-7228. We invite you to come in and explore what Sierra Central has to offer. Your financial journey starts here!

Operating Hours

We know that life can get busy, which is why our lobby hours are designed with your schedule in mind. Join us from Monday to Thursday, 9:00 AM to 5:30 PM, and on Fridays from 9:00 AM to 6:00 PM. We want to make it as easy as possible for you to connect with us during times that work for you.

Services Offered

Sierra Central offers a wide range of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, with ATM availability on-site, you can easily access your funds whenever you need them. While you're welcome to visit us at our branch on Harter Parkway, if you need to send official correspondence, please use our mailing address: 1351 Harter Parkway, Yuba City, CA 95993.

Member Eligibility

Joining the Sierra Central family means stepping into a community where your financial well-being is our priority. At our Yuba City branch, located at 1351 Harter Pkwy, we welcome anyone who lives, works, or worships in the surrounding areas. Whether you're looking for a savings account to help you reach your goals or a loan to make your dreams come true, becoming a member is straightforward and inclusive. We believe in making financial services accessible to all, so if you're ready to take the next step, you can find more details about eligibility on our website at . Once you're ready to join us, opening an account is just a click away! You can start the process through this link: https://app.loanspq.com/xa/xpressapp.aspx?action=home&enc=kw21wblm1yxpjjabdozad6beegwm2r2ltm9j1x2hxklsu3anxkmzznauheycrkngiacstiqkw4zy5ozvdqvbgmydnmc8aanjojikhep1doq. If you have any questions or need assistance along the way, don't hesitate to reach out at (800) 222-7228. We're excited to welcome you into our community and support you on your financial journey!

Business Banking & Commercial Services

At Sierra Central in Yuba City, CA, we understand that running a business comes with its own set of challenges and opportunities. That's why we offer tailored business banking and commercial services designed to help you thrive. Imagine a local restaurant that started with a dream but needed financial backing to expand its menu and hire more staff. With our support, they secured a loan and turned their vision into reality. 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. In addition to loans, we provide essential merchant services that simplify everyday transactions. Whether it's setting up card payment systems or offering online payment solutions, we empower you to serve your customers better while managing your finances seamlessly. Ready to take your business to the next level? Visit us at 1351 Harter Pkwy Yuba City Ca 95993 or call us at (800) 222-7228 to learn more about how we can support your journey!

Comprehensive List Of Services

Business Banking Solutions

For small business owners, we offer tailored business banking services, including merchant services and business loans. Our goal is to support your growth and ensure that managing finances for your business is as easy as possible.

Convenient Access

With ATM and cash withdrawal services available at multiple locations, accessing your funds is quick and hassle-free. Our basic ATM access allows you to withdraw cash or check balances without needing to visit the branch.

Embracing Technology

At Sierra Central, we embrace technology to enhance your banking experience. Our robust online and mobile banking platforms allow you to manage all aspects of your accounts anytime, anywhere. From making payments through mobile payments to sending money easily with person-to-person transfers, we've made banking simple and convenient. We invite you to explore all these offerings at Sierra Central by visiting us or giving us a call at (800) 222-7228. Your financial well-being is our priority, and we're here to assist you every step of the way!

Personal Banking Services

For those looking to manage their day-to-day finances, our personal banking options are perfect for you. We offer checking and savings accounts designed to fit various lifestyles and goals. Whether you're saving for a special occasion or just need a safe place for your money, our accounts come with easy access through online and mobile banking, so you can check your balance or transfer funds from anywhere. If you're in the market for a new vehicle, consider our competitive auto loans and vehicle financing options. We work with you to find terms that fit your budget, ensuring that driving off the lot feels seamless. And when it comes to buying a home, our mortgage loans and refinancing services make the process straightforward, allowing you to focus on what truly matters your new home.

Personal Loans and Credit Options

Life can throw unexpected expenses your way, which is why we also provide personal loans and debt consolidation solutions. Whether it's an urgent repair or medical bills, our team will help you find the right loan for your situation. Plus, with our credit cards featuring rewards, every purchase can bring you closer to exciting perks.

Digital & Online Banking

Mobile Banking Features

For those who prefer mobile access, our user-friendly mobile application makes banking even easier. Whether you're making mobile payments or sending money through person-to-person transfers, managing your finances is just a tap away. And if you're looking to go paperless, we offer e-statements that let you keep track of your transactions without clutter.

Online Banking Services

Our online banking platform, accessible at https://www.sierracentral.com/, offers a range of features tailored to meet your needs. You can check balances, pay bills, and transfer funds all from the comfort of your home or on the go. Plus, with our 24/7 online banking services, you never have to worry about bank hours; your account is always available when you need it.

Security You Can Trust

Security is our top priority. We utilize electronic signature authorization for important transactions to ensure that your information remains safe. Our systems are designed to protect your data while providing an easy-to-navigate experience. At Sierra Central, we aim to empower you with tools that simplify banking. Explore all these fantastic features today by visiting us at https://www.sierracentral.com/ or reach out at (800) 222-7228 for more information!

Financial Strength

Commitment to Growth and Innovation

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

Growing Member Base

Total Share Accounts: 154,523, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $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 1351 Harter Pkwy Yuba City Ca 95993 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.*

Operational Efficiency

Our efficient operations are reflected in our $0, enabling 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.

Secured Savings for Members

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.

Solid Financial Foundation

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 provide competitive terms and flexible repayment options so you can focus on enjoying your new ride.

Credit Lines

If you're looking for flexibility in managing cash flow, our credit lines amounting to $332,576,756 are designed for those who may need access to funds quickly. With easy access and competitive rates, it's an excellent option for unexpected expenses or planned projects. For business owners, our outstanding commercial loans totaling $44,698,373 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are here to assist you every step of the way. We also offer refinancing options across various loan types, making it easier than ever to adjust your current loans according to your evolving financial situation. Whether you're consolidating debt or securing better rates, our team is here to guide you through the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Sierra Central, we pride ourselves on being more than just a lender; we're your partner in achieving financial success. Visit us today at 1351 Harter Pkwy Yuba City Ca 95993 or call (800) 222-7228 to learn more about how we can help you secure the financing you need!

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 work closely with you to ensure you understand the process and find a solution that works for your financial situation.

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 option allows you to make purchases without collateral while providing an opportunity to build your credit history.

Loan Aggregator

Benefits of Using LendMesh

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Sierra Central

Introduction

Branch History & Mission

Community Commitment

Our Mission

Branch Location & Accessibility

Convenient Access

Get In Touch!

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Comprehensive List Of Services

Business Banking Solutions

Convenient Access

Embracing Technology

Personal Banking Services

Personal Loans and Credit Options

Digital & Online Banking

Mobile Banking Features

Online Banking Services

Security You Can Trust

Financial Strength

Commitment to Growth and Innovation

Growing Member Base

Operational Efficiency

Secured Savings for Members

Solid Financial Foundation

Loan Offering

Auto Loans

Credit Lines

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

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