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Sierra Pacific’s checking accounts make it easier to manage your day-to-day purchases. With no minimum balance, free overdraft protection, and interest earned on values over $500, our checking accounts are pretty tempting.


Sierra Pacific Savings accounts earn some of the highest interest rates around and come with lots of freebies.

Club Accounts

Club Accounts with Sierra Pacific help you save up for seasonal spending. Avoid leaning on your credit card. Stay away from payday loans.


Certificates of Deposit (CD’s, or Share Certificates), are a safe place to invest your money. You’ll earn a fixed interest rate and be able to watch your funds grow.


Sierra Pacific offers both Traditional and Roth IRA Accounts with rates generally above the market average. You can open an IRA and start saving for retirement with just $100.

Money Market

Our Money Market accounts offer some of the highest rates available in our area. Keep your money safe and accessible while it earns interest.

Out of state Private Party Loan and Refinance

Rated 5 out of 5
August 26, 2021

Terri and Jonathan at the Phoenix office were a great help for both my loans

Tanya A.

I always feel like a valued customer.

Rated 5 out of 5
March 12, 2021

Working with Sierra Pacific Federal Credit Union is always a great experience.We have business and personal accounts with them. I always feel like a valued customer with everyone. I know that should be a given in business, but it isn’t. I have had many circumstances where one of the larger nationwide banks has been unable or unwilling to solve my business or personal account problems or needs and SPFCU has always quickly, smoothly and professionally solved the same issues. Thank you!

Katherine T.

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Rated 5 out of 5
February 18, 2021

Honestly, they are the best of the best!!! Everyone is so nice and helpful. They make banking so easy and personal!!!

Julie A.

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Rated 5 out of 5
February 18, 2021

The staff at SPFCU were outstanding and very helpful with any and all issues concerning my banking problems. The courtesy they show is awesome, their smiles are always present and are glad to help you right away. Their attitude makes my day brighter :). The best CU on the planet.

Don H.

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Rated 5 out of 5
February 18, 2021

Missy was and is AWESOME!! Missy assisted me in opening several accounts, and was patient and helpful through it all since everything was done via phone calls and emails due to the outbreak. I cannot thank her enough for answering every question and concern as if I was her only customer. Missy made the change less stressful. Thank you MIssy.

Amber Z.

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Sierra Pacific Federal Credit Union