Routing Number: 321280237

Rates

Whether financing a vehicle, home, or loan for today, or setting aside money for tomorrow, our rates are set with your needs in mind.

Check out Sierra Pacific’s latest rates below!

 

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New and Used Vehicle Rates

Rates apply to 2018 or newer models if conditions are met.

Last Updated: October 20, 2025

Car with headlights icon

36 Months

as low as

4.74% APR*

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Car with headlights icon

48 Months

as low as

4.94% APR*

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Car with headlights icon

60 Months

as low as

5.24% APR*

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Car with headlights icon

72 Months

as low as

5.54% APR*

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Car with headlights icon

84 Months

as low as

6.04% APR*

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*APR=Annual Percentage Rate. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.

Used Vehicle Rates

Rates apply to vehicle models more than 7 years old if conditions are met.

Last Updated: October 20, 2025

Car with headlights icon

36 Months

as low as

5.24% APR*

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Car with headlights icon

48 Months

as low as

5.44% APR*

Apply Now
Car with headlights icon

60 Months

as low as

Call For Rates

Apply Now
Car with headlights icon

72 Months

as low as

Call For Rates

Apply Now
Car with headlights icon

84 Months

as low as

Call For Rates

Apply Now

*APR=Annual Percentage Rate. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.

Recreational Vehicle Rates

Rates apply to 2015 or newer models if conditions are met.

Last Updated: January 2nd, 2025

RV icon

New Motor Home

48 to 144 Months

as low as

6.19% APR*

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RV icon

Used Motor Home

48 to 144 Months

as low as

6.44% APR*

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Sailboat icon

New Boat

48 to 144 Months

as low as

6.19% APR*

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Sailboat icon

Used Boat

48 to 144 Months

as low as

6.44% APR*

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Motorcycle icon

New Motorcycles & ATVs

48 to 84 Months

as low as

6.19% APR*

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Motorcycle icon

Used Motorcycles & ATVs

48 to 84 Months

as low as

6.44% APR*

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Car with headlights icon

Classic Cars

48 Months

as low as

7.25% APR*

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*APR=Annual Percentage Rate. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.

Personal Loan Rates

Last Updated: January 2nd, 2025

Dollar bill icon

Overdraft Line of Credit

None

as low as

13.00% APR*

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Credit card icon

Visa

None

as low as

8.99% APR*

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User icon

Personal/Unsecured

None

as low as

9.99% APR*

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Dollar bill icon

Share Secured

36 Months

as low as

3.10% APR*

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Motorcycle icon

Share Secured

37 to 120 Months

as low as

4.10% APR*

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Business Loan Products

None

None

Call For Rates

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*APR=Annual Percentage Rate. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.

Home Loan Rates

Last Updated: October 31, 2025

House icon

Home Equity Line of Credit

Call For Rates

Up to 240 Months

Variable Rate Loan

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House icon

First Mortgages 30 Year

Rate: 5.990%

*APR: 6.232%

30 Year Fixed Rate | Payment(monthly): $2,395.63

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House icon

First Mortgages 15 Year

Rate: 5.375%

*APR: 5.598%

15 Year Fixed Rates | Payment(monthly): $3,241.86

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House icon

Residential Construction Loans

Call For Rates

None

None

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*APR=Annual Percentage Rate. Rates are displayed "as low as". Your rate may be higher based on credit, market rate, and other factors. Sierra Pacific FCU is an equal housing opportunity lender and federally insured by the NCUA.

* APR = Annual Percentage Rate. Rates include a 1% loan fee. Based on $400,000 purchase price with 20% down. Investment property with 25% down. FHA APR based on $400,000 loan with 3.5% down. Jumbo based on $1,000,000 loan with 20% down. Rates based on purchase of primary residence. Call credit union for rates on commercial and investment properties. Adjustable rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. See Credit Union for details. Rates are subject to change without notice.

*Loan incentives received by the member exceeding $600 are subject to IRS 1099-M reporting.

Savings & Investment Rates

Last Updated: July 30, 2024

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Regular Shares

Dividend Rate: 0.10%

*APY: 0.10%

$0.01 to $9,999.99

Coins icon

Regular Shares 10k+

Dividend Rate: 0.14%

*APY: 0.14%

$10,000 and above

Coins icon

Rewards Checking

Dividend Rate: 0.05%

*APY: 0.05%

$500 and above

*APY= Annual Percentage Yield. Rates are subject to change.

Account Rates

Last Updated: July 30, 2024

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Christmas Club

Dividend Rate: 0.10%

*APY: 0.10%

Account is subject to fees for early withdrawal.

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Vacation Club

Dividend Rate: 0.05%

*APY: 0.05%

Rate increases at $10,000

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Auxiliary Share

Dividend Rate: 0.10%

*APY: 0.10%

Rate increases at $10,000 level.

*APY= Annual Percentage Yield. Rates are subject to change.

IRA Rates

Last Updated: July 30, 2024

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IRA

Dividend Rate: 0.40%

*APY: 0.40%

$100 to $9,999.99

Coins icon

IRA 10k+

Dividend Rate: 0.45%

*APY: 0.45%

$10,000 and above

*APY= Annual Percentage Yield. Rates are subject to change.

Money Market Rates

Last Updated: September 26,2025

Coins icon

$0.01 to $9,999

Dividend Rate - 1.98%

*APY: 2.00%

$0.01 to $9,999

Coins icon

$10k to $24,999

Dividend Rate: 2.23%

*APY: 2.25%

$10,000 to $24,999.99

Coins icon

$25k to $99,999

Dividend Rate: 2.47%

*APY: 2.50%

$25,000 to $99,999.99

Coins icon

$100k to $149,999

Dividend Rate: 2.96%

*APY: 3.00%

$100,000 to $149,999.99

Coins icon

$150k+

Dividend Rate: 3.35%

*APY: 3.40%

$150,000 to $249,999

*APY= Annual Percentage Yield. Rates are subject to change.

Share Certificate (CD) Rates

Last Updated: July 30, 2024

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6 Month

*APY: 0.90%

$5,000 to $100,000

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9 Month

*APY: 1.00%

$25,000 to $100,000

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12 Month

*APY: 1.25%

$5,000 to $24,999.99

Certificate icon

12 Month 25k+

*APY: 1.35%

$25,000 to $100,000

*APY= Annual Percentage Yield. APR= Annual Percentage Rate. Rates are subject to change. Please contact a branch or check your statement for your CD rates.