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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.

Missy Daniels Is Super!

Rated 5 out of 5
March 18, 2022

I have been a credit union client since 1989. In recent years, I have dealt with Missy Daniels for many different transactions, including international wire transfers. Missy has always provided excellent and accurate service. She is extremely knowledgeable, and always does everything requested in a very positive and pleasant manner. She is a real pleasure to work with, and I always feel confident that everything will be done perfectly and on time. She is a real asset to the credit union. Many thanks to Missy for her great customer service!

Vivian .

Excellent and fast personal customer service.

Rated 5 out of 5
February 11, 2022

I recently conducted a financial transaction with SPFCU. The first and most important thing was that a human being picked up my very first phone call without any of the silly screening questions. That itself is priceless in today’s corporate lending environment. Missy Daniels was my very first and only contact. She is very knowledgeable and professional. She made me feel as though I were the only customer. She made the entire process easier than anywhere I’ve ever done business. I highly recommend using them and not only for the customer service because the other services they offer are wonderful even if you’re not using them all.

Andrew F.

Great Customer Service from Renee Wade

Rated 5 out of 5
December 3, 2021

Renee does a consistently excellent job on everything she handles for me at the credit union. We recently had her help us with an important electronic fund transfer. Everything went smoothly, she sent us all the e-documents in a very timely manner, and she followed up after the transfer to let us know everything had been done. I always feel confident that Renee will help me and get the job done correctly and efficiently. Plus, she is very nice! Thank you!

Vivian S.

Awesome humans!

Rated 5 out of 5
September 21, 2021

Terri was so beyond helpful + patient with me during the buying process. 10/10 would recommend Terri + the Phoenix branch. She cares about what is best for you + her communication throughout the loan process was impeccable. They got me in + out of the office quickly + easily once I had found the car I was looking for as well + even got the the automatic payment set up (for my loan from my savings account) too. Terri made this process so EASY + convenient – in a world where that is typically not the case.

Ashley E.

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.

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Sierra Pacific Federal Credit Union