Sierra Pacific Credit Union Phoenix AZ | Best Auto Loans & Business Banking

Introduction

Welcome to Sierra Pacific, your trusted partner in financial growth and community support, located at 1600 E Northern Ave, Phoenix, AZ 85020. Established in 1936, we have proudly served our members for over 85 years, building a strong foundation of trust and reliability in the Phoenix area. With a total membership of 10,671 and assets reaching $170,363,927, we are dedicated to providing personalized banking services tailored to meet your unique needs. At Sierra Pacific, our commitment goes beyond just numbers. We believe in making a positive impact in our community while ensuring that our members feel valued and supported. Under the leadership of our CEO, Leslie Ramsdell, and Board President, Jim Hunting, we strive to offer an array of financial products including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking services. While you can visit us at our branch in Phoenix for all your banking needs, please note that official correspondence should be sent to the same address: 1600 E Northern Ave, Phoenix, AZ 85020-3933. Our team of 21 dedicated employees is here to assist you from 8:30 AM to 5:00 PM on weekdays. With total deposits amounting to $35,807,476 and cash reserves of $1,696,218, we ensure that your funds are secure and accessible whenever you need them. Whether you're looking for financing options or want to explore new savings opportunities, Sierra Pacific is here to guide you every step of the way. Ready to take the next step towards achieving your financial goals? Reach out to us at 602-395-4500 or visit our website at Sierra Pacific today! Your journey toward financial empowerment starts here!

Branch History & Mission

Community Engagement

Our impact goes beyond transactions. We actively engage with the Phoenix community through various outreach programs and partnerships that promote financial literacy and support local initiatives. By being involved in community events and supporting local causes, we help strengthen the bonds that connect us all.

Embracing Innovation

In today's fast-paced world, we've embraced digital advancements to enhance your banking experience. With online banking options and mobile applications available, managing your finances has never been easier or more secure. We are committed to ensuring that our services meet ADA compliance standards so everyone can benefit from what we offer.

Join Us Today!

As we look toward the future, we invite you to be part of our growing family at Sierra Pacific. Experience firsthand how we're dedicated to helping you achieve your financial goals while making a positive impact in your community. Give us a call at 602-395-4500 or visit us during our operating hours from 8:30 AM to 5:00 PM, Monday through Friday. Together, let's build a brighter financial future!

Mission Statement

At the heart of Sierra Pacific lies our mission: to empower individuals and families through comprehensive financial solutions while fostering a strong sense of community. We believe in being more than just a financial institution; we aim to be a reliable ally for those seeking support on their financial journeys. By offering competitive rates and personalized service, we strive to make banking accessible and beneficial for everyone. While members can visit us at 1600 E Northern Ave, official correspondence should be sent to 1600 E Northern Ave, Phoenix, AZ 85020-3933 if you wish to reach out via mail.

Our Evolution

From our humble beginnings, we've steadily grown our total assets to an impressive $170,363,927. This growth is not just about numbers; it reflects our commitment to providing valuable financial services tailored to our members' needs. Throughout the years, we have expanded our offerings to include everything from personal banking and auto loans to business banking solutions. Each milestone we reach is a testament to the trust our members place in us.

Branch Location & Accessibility

Welcome to Sierra Pacific, your friendly neighborhood credit union located at 1600 E Northern Ave, Phoenix, AZ 85020. Situated in the vibrant heart of Phoenix, we are easily accessible for all our members in Maricopa County. You'll find us conveniently located near popular local landmarks, making it a breeze to stop by for your banking needs. While members can visit us at 1600 E Northern Ave, official correspondence should be sent to the same address. Our branch is designed with your convenience in mind, featuring ample parking and accessible entry points to ensure everyone can visit us comfortably. At Sierra Pacific, we pride ourselves on offering a welcoming atmosphere and personalized service. Our lobby hours are from 8:30 AM to 5:00 PM, Monday through Friday, providing you plenty of time to drop by before or after work. If you have any questions or need assistance, don't hesitate to call us at 602-395-4500. Although we do not currently offer ATM services or drive-thru banking, our dedicated staff is ready to assist you inside the branch with a variety of financial services. Whether you're looking for personal banking options like checking and savings accounts or exploring loan opportunities, we're here to help every step of the way. We invite you to come visit us at Sierra Pacific and experience the difference that a member-focused credit union can make. Your financial well-being is our top priority!

Member Eligibility

Becoming a member of Sierra Pacific is like stepping into a welcoming community where your financial needs are prioritized. If you're looking to join, the eligibility criteria are quite friendly! Anyone who lives, works, or worships in the area is likely eligible to become a member. This means that if you reside in or around Phoenix, AZ, you can take advantage of our supportive services and resources. Once you're part of Sierra Pacific, you'll enjoy access to a variety of financial products tailored just for you, including competitive loan rates and personalized banking options. To learn more about the specific eligibility details, feel free to visit our website at https://www.sierrapacificfcu.org/about/membership?hslang=en . When you're ready to open an account, it's simple! Just head over to our account opening page at https://internetloanapplication.cudl.com/sierrapacificfcu/ or give us a call at (602) 395-4500. We're here to help you every step of the way as you join our community at Sierra Pacific, located conveniently at 1600 E Northern Ave Phoenix Az 85020.

Business Banking & Commercial Services

Merchant Services that Make a Difference

Imagine running your business without worrying about payment processing. Our merchant services help streamline transactions, making it easier for you to serve customers and manage sales. From point-of-sale systems to online payment options, we ensure you have the tools needed for smooth operations. Located at 1600 E Northern Ave Phoenix Az 85020 in Phoenix, AZ, we invite you to visit us or call (602) 395-4500 to explore how we can partner with you in your business journey. Let's build your vision together!

Tailored Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $56 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $17,820,491, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Services

For entrepreneurs and small business owners, we offer specialized Business Banking services that include Merchant Services & Business Loans. These services can help streamline operations and support growth initiatives for your business.

Credit Options

Our Credit Cards with Rewards program allows you to earn points on your everyday purchases. Picture enjoying perks like cashback or travel rewards just by using your card for regular spending.

Digital Convenience

In today's fast-paced world, convenience is key. That's why at Phoenix, we provide robust Online & Mobile Banking features. You can check balances, transfer funds, and pay bills from anywhere at any time right from your smartphone or computer. Plus, with ATM & Cash Withdrawal Services available through our network, accessing cash is easy whenever you need it. We invite you to visit us at our branch located at 1600 E Northern Ave Phoenix Az 85020, Phoenix, AZ. If you have questions about any of our services or need assistance getting started, feel free to call us at (602) 395-4500 during our lobby hours from 8:30 AM to 5:00 PM on weekdays. Join us today and discover how Sierra Pacific can be a valuable partner in achieving your financial goals! For more information about membership eligibility or to open an account online, visit our website today!

Home Financing

For those looking to buy their dream home or refinance an existing mortgage, our Mortgage Loans & Refinancing services can guide you every step of the way. With personalized service from our knowledgeable team, you'll feel confident in finding the right loan for your unique situation.

Personal Banking

When it comes to personal banking, we offer Checking & Savings Accounts designed to fit various lifestyles and budgets. Imagine having easy access to your funds with no hidden fees, all while earning interest on your savings. Our accounts make managing day-to-day expenses simple and straightforward. If you're considering buying a new car or refinancing your current vehicle, our Auto Loans & Vehicle Financing options are here to help. We understand that purchasing a vehicle is an important decision. That's why we provide competitive rates and flexible terms to make the process easier for you.

Personal Loans

Life can throw unexpected expenses your way, but with our Personal Loans & Debt Consolidation options, you can tackle those challenges head-on. Whether it's consolidating debt or covering an emergency cost, we have solutions tailored just for you.

Digital & Online Banking

Key Features

With features like electronic signature authorization, you can complete important transactions without the hassle of paperwork. This means faster approvals for loans and other services, allowing you to focus on what truly matters. Plus, our e-statements make it simple to keep track of your finances without cluttering your inbox or mailbox. If you're always on the go, you'll love our mobile application. It's user-friendly and packed with features to help you manage your accounts efficiently. You can make mobile payments effortlessly, transfer money to friends or family through our person-to-person transfer option, and monitor your account activity in real-time all from your smartphone.

Security and Support

Your security is our top priority. Our online banking platform employs advanced security measures to ensure that your personal information is protected. Whether you're checking balances or making payments, you can rest assured that your data is safe with us. With all these features combined, we strive to make banking not just a task but a seamless part of your everyday life. Join us at Sierra Pacific and experience the ease of digital banking tailored just for you! For more information or to get started, visit https://www.sierrapacificfcu.org/ today.

Financial Strength

Commitment to Growth

With $20,888,490 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 robust; with $33,534 in used auto loans and a total of $99,052,465 in loans and leases, we support members' financial goals across various sectors.

Member Trust

Total Share Accounts stand at 17,459, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) total $2,274,650, reinforcing our ability to provide valuable services tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sierra Pacific is your trusted partner. Visit us at 1600 E Northern Ave Phoenix Az 85020 or call 602-395-4500 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 21 full-time employees dedicated to serving you with expertise and commitment.

Secure Savings Options

Members' savings are secured through $10,967,607 in share certificates and $64,073,608 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.

Strong Financial Position

With a net worth of $23,111,120, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.55% 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 $40,767,312 in used vehicle loans and $22,203,794 in new vehicle loans already helping members get on the road. We also provide refinancing options for those looking to lower their monthly payments or adjust their loan terms.

Business Financing

For business owners, our outstanding commercial loans totaling $17,820,491 provide the capital needed to grow and expand. We believe in supporting local businesses and are here to help navigate the funding process. At Sierra Pacific, we prioritize transparency and accessibility in all our offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. For more information about our loan products or how to apply for financing, give us a call at 602-395-4500 or visit our website at Sierra Pacific. We're here to help you take the next step towards achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $3,155,172, making buying or refinancing simple. We can guide you through eligibility requirements and assist you with the application process to ensure a smooth experience.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,001,807 in loans helping members manage their finances effectively. This option is great for those who need immediate access to funds without collateral.

Loan Aggregator

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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 users receive fair and transparent offers. Every loan listing is thoroughly vetted, so you can trust that you're viewing accurate information when comparing your options.

SIERRA PACIFIC FEDERAL CREDIT UNION - Phoenix, AZ