We know that for members facing setbacks, financial stability is a key concern. We know that the last thing you need in the middle of a crisis is to worry about your car payment. For members going through tough times, Sierra is here with a helping hand and expert guidance – ensuring that no member faces financial challenges alone.

We may be your credit union, but it’s members like you who deserve all the credit.

Skip a Loan Payment

Members who are facing financial hardship can request a one-time skipped payment for auto, recreational, and signature loan payments. If you’re having trouble making loan payments, we may be able to help. Contact your branch for more information. 

No-Fee Withdrawals

You need worry-free access to your money, so Sierra waives fees on CD and Club account withdrawals for members in need. Plus, access cash quickly with our network of 30,000 surcharge-free ATMs.

The Card for Union Members

The Sierra Pacific Visa® Card stands as your unwavering financial ally. With 1.00% APR on balance transfers for six months and a rate as-low-as 8.99% APR, you can put yourself on the right track both during and after the strike.

Auto Loan Refinance

If your auto or recreational loans are with another lender, refinancing with Sierra can relieve some financial burden. We may be able to lower your rate or monthly payment. Plus, make no payments for 45 days and earn 1% cashback up to $300.

Make A Money Plan

Stay Strong, Plan Smart

The best way to stay on top of finances? Have a plan. Sierra’s credit score simulator lets you explore how missing a payment, transferring balances, or taking out a loan will impact your credit score, so you can plan ahead and stay savvy.

Ask the Sierra Team

It can be tough to know what to do to stay money strong when you’re experiencing financial hardship. Luckily, our branches are full of experienced folks ready to help you get or stay on track. Call or stop by any location to see how we can help.

*Loans ineligible for Skip-A-Pay are: commercial loans, mortgages, credit cards, or lines of credit. Limit of one skipped payment per loan, per year, with a limit of two skipped payments for the life of the loan. Skipping more than two payments on a loan with Guaranteed Asset Protection effectively cancels that GAP coverage, and the extension of the loan(s) may not be covered by some credit insurance or GAP coverage policies. 6-month payment history required. Request forms must be submitted at least 10 days before the due date of any loan payment you wish to skip. APR = Annual Percentage Rate. One percent interest applies for 6 months on balances transferred. Normal rates will apply after the promotional period. Limit of one active balance transfer at a time with Sierra Pacific Federal Credit Union. Standard rates are currently 8.99% to 14.99% APR and are based on creditworthiness and subject to change. Rate based on creditworthiness and subject to change. Sierra Pacific FCU reserves the right to amend or end this promotion at any time. Member eligibility required. See credit union for details. *No interest payments due for 90 days from loan funding date on signature loans opened in August 2023. Interest accrues during this time. See credit union for details. Federally insured by NCUA.

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Sierra Pacific Federal Credit Union