Routing Number: 321280237

Checking & Savings

 

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With CardCash™, everyday spending has its rewards!

Enroll today to earn up to 1% cash back on your qualified non-PIN debit card purchases. Earn UNLIMITED cash back annually.*

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Rewards Checking

Sierra Pacific's checking accounts are designed to provide convenience while saving you time and money. Our checking accounts include exclusive perks and benefits for our members, so get ready to experience the difference with Sierra Pacific Checking today!

Some of the perks you can expect from your Sierra Pacific checking account:

  • Unlimited check and cash withdrawals.
  • 30,000 surcharge-free ATMs.
  • 5,000+ shared branches nationwide.
  • Free bill pay, e-statements, and mobile check deposit.
  • Enroll in CardCash™ to earn up to 1% cash back on your qualified non-PIN debit card purchases. Earn UNLIMITED cash back annually.*
Open Checking More About CardCash

New & Used Auto Loans

We’ve got the budget-friendly options you need for new and used vehicles.

With rates as low as 6.60% APR*, you’re sure to cruise without spending a ton of cash.

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Savings

Sierra Pacific’s Regular Share Savings Account provides access to low-rate loans, intelligent accounts, and a suite of financial tools tailored to meet your needs. How can one account do so much? Because it’s also your membership account!

Our Share Savings Account means access to:

  • Auto Loans with low rates and convenient terms.
  • Credit Cards with no annual fees, no balance transfer fees, and a great rate.
  • Access to all of Sierra Pacific’s superior services and resources.
Open Savings
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Money Market

Money Market

Sierra Pacific’s Money Market Accounts are the perfect balance between a CD’s earning power and a Regular Savings convenience. Unlike investment accounts, deposits to your Sierra Money Market earn a guaranteed return and aren’t at risk to an unstable market.

  • Federally insured by the NCUA.
  • No-Cost Excess Share Insurance.
  • Tiered dividend rates.
  • Higher rates than regular savings.
  • 2 free withdrawals per month.
Open Money Market

Certificate of Deposit

Certificates of Deposit—also known as CDs or Share Certificates—offer a secure way to earn a guaranteed return. At Sierra Pacific, these low-risk savings options are available to all our members, so your money can work harder while you rest easy.

  • Federally insured by the NCUA.
  • No-Cost Excess Share Insurance.
  • No risk of loss.
  • Guaranteed interest rate.
  • Tiered dividend rates.
Open CD
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Checking & Savings Rates

Last Updated: July 30, 2024

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Regular Shares

as high as

0.14% APY*

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Christmas Club Account

as high as

0.10% APY*

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IRAs

as high as

0.45% APY*

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Money Market

as high as

3.40% APY*

Rates increase as balance increases

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CDs

as high as

1.35% APY*

on balances up to $24,999

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