Routing Number: 321280237

Cold. Hard. Savings.

Drop Your Auto Loan Rate by Another 0.67% APR

112025_SierraPacific_December Auto_Digital_HP-3

December Only

 You get approved for a rate — and then we make it even better.
No pressure. No gimmicks. Just real savings on your monthly payment.

At Sierra Pacific Credit Union, we believe in keeping things simple, fair, and member-focused. This December, you can drive into the new year with a cooler rate and a lighter monthly payment.
 

How It Works

  1. Apply for an auto loan (new, used, or refinance).
  2. Get approved at your qualifying rate.
  3. We reduce that rate by 0.67% APR. Yes. Automatically.
 

Real Example

If you qualify for a rate of 5.50% APR, your new promotional rate becomes: 4.83% APR.

That difference can save you hundreds over the life of your loan.
 

Drive Smarter. Pay Less. Stay Cool.

Apply today, beat the rush, and take advantage of a rate cut that actually makes sense.
 
Apply Now

APR = Annual Percentage Rate. Offer valid December 1–31, 2025. All loans are subject to credit approval. Members will receive a 0.67% APR reduction from their approved auto loan rate at the time of funding. Rate reduction applies to qualifying new, used, and external auto loan refinances only. Floor rate may apply. Existing Sierra Pacific auto loans are not eligible for refinancing under this promotion. Actual savings vary based on loan amount, term, and approved rate. Membership eligibility required. Terms and conditions may change without notice. Federally insured by NCUA.

*To participate in this offer, the Skip-A-Pay form must be returned to Sierra Pacific no later than three (3) business days prior to the scheduled monthly transaction date. Your ACH will not be stopped. Your funds will be available for withdrawal in your Sierra Pacific savings account. Available for November 2025 or December 2025 qualifying loans only. Loan must be open for at least three (3) months to qualify, and members must be in good standing. Interest will accrue during the entire term of the loan, including the non-payment period. HELOCs, credit cards, and overdraft lines of credit are not eligible. Not all members qualify. Members must apply between November 2025 and December 2025 to qualify. See credit union for details. Federally insured by NCUA.