No Fees Given.*
Seriously.
Now Available: Authenticator App Login Option
Protecting your account is one of our top priorities. That’s why Sierra Pacific Credit Union now offers an authenticator app option for online banking logins — an added layer of security that helps safeguard your account from fraud and unauthorized access.
This enhancement is easy to use, and one of the most effective ways to protect your financial information.
At Sierra Pacific, we’re not in the business of nickel-and-diming our members.
- No monthly maintenance fees.
- No minimum balance penalties.
- No “paper statement” charges.
- No mystery line items you have to Google.
We believe your money should stay… well, yours.
Wait. So what’s the catch?
There isn’t one hiding in the fine print.
We keep our fees straightforward and limited.
You won’t find surprise charges just for having an account.
If we cover an overdraft for you, there may be a fee — because we’ve stepped in to help.
But our goal isn’t to profit from penalties. It’s to protect your money.
Why Are We So Anti-Fee?
Because fees have become background noise.
Most banks rely on them.
Some even build their business around them.
We decided not to.
We’re here to help you build momentum — not chip away at it with $8 here and $12 there until it quietly adds up.
You deserve clarity.
You deserve simplicity.
You deserve a financial partner that doesn’t make you play defense.
What You Get Instead
- Straightforward accounts
- Digital tools that make sense
- Real humans when you need them
- A credit union that actually feels different
No fine print gymnastics. No subscription-style banking. No Fs given about unnecessary fees.
Let’s Make It Easy
Open an account.
Move your money.
Exhale.
Banking shouldn’t feel like a scavenger hunt.
It should feel simple.
*Sierra Pacific Federal Credit Union charges one fee: an overdraft fee when applicable. Other account terms and conditions apply. See full account disclosures for details.
*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.