Sierra Pacific FCU has been serving our members and communities in the heart of the west for over 87 years. We remain prepared to protect member finances by offering excellent share insurance, maintaining a strong balance sheet, and keeping reserves well above the required level.
We are proud of Sierra’s financial position and are always open to review this with any member.
All deposit accounts at Sierra Pacific FCU are insured up to $500,000 per account holder and ownership group.
This exceptional level of coverage is provided at no additional cost to you, and protects member deposits in the unlikely event that this institution should fail.
Sierra Pacific is proudly recommended by all major industry safety and soundness organizations.
Sierra Pacific has been awarded a 5-star safety rating by Bauer FInancial every quarter since 1990. See the press release here.
Sierra Pacific has earned a Green Ribbon and a 3-Star rating from Veribanc.
To review Veribancs reports, click below and enter the NCUA Institution ID: 1000
Capital are funds set aside as reserves against shocks, like recessions.
The NCUA defines Sierra Pacific FCU as a “well capitalized” institution*. The minimum requirement for this NCUA definition is a 7% Capital Ratio (Capital/Total Assets).
As of February 28, 2023; Sierra’s Capital Ratio was 11.506%.
This ratio is reported quarterly on the NCUA website. Sierra’s charter number is 1000.
*As defined by the NCUA, part 702 of the Rules and Regulations
If you’d like to discuss Sierra’s safety and soundness, please feel free to contact CEO Leslie Ramsdell at lklein@sierrapacificfcu.org or 775-834-4579.
Yes, Sierra’s ATMs are still available. You can find Co-Op ATMs near you here.
Sierra Pacific members can enroll in online banking to access their accounts remotely.
Members can enroll online, download mobile banking, sign up for Mobile Deposit and Bill Pay, and find online banking help here.
Explore online payments, digital wallets, e-statements, and ATM locators here.
Currently, our Saint Mary’s branch in Reno is closed.
All other branches are operating with reduced lobby hours, 9 a.m. to 1 p.m., Monday – Friday. These branches are available by phone or email throughout normal business hours.
Sierra’s ATMs are open and active, and you can find Co-op ATMs or open Shared Branches near you here.
We will post updates to branch hours on our website and social media pages, and send a notice to all members signed up for our email newsletters.
Follow us on Facebook or Twitter @SPFCU for updates.
Sign up for our email newsletter below.
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You can apply for all personal loans and credit cards online.
Click here to apply for a Mortgage
Click here to apply for all other personal loans and credit cards
Or find loan applications inside your online or mobile banking account
We have remote signing options available. Please discuss this with your loan officer or contact a branch for more information.
To apply for a loan online, click here.
We are here to help members reach their financial goals, even (and especially) when unexpected situations throw them off-track.
There are a number of ways we can help members facing financial hardship. Please reach out so we can find the best solution for your situation.
Email: jdemuth@sierrapacificfcu.org
Call: 775-857-2424
We’re here to help, but want to find the best solution for each individual member. Reach out to see how we can best help you.
Email: mmathias@sierrapacificfcu.org
Call: 775-834-4579
Not to worry, we’ll help you out. Please contact your loan officer to walk you through this process.
We run your credit score before pre-approving, and that original score applies for 45 days. If your preapproval period elapses before the loan is finalized, please contact your loan officer to discuss options.
We are monitoring the evolving situation and will continue to change and improve operations to keep members and employees safe while maintaining a high level of service and security.
All branches are thoroughly cleaned each day. Hand sanitizer is available for staff and visitors, and staff are following health guidelines.
Our Saint Mary’s branch has been temporarily closed beginning March 23rd for 30 days or as appropriate. This branch’s small size does not allow for social distancing, and the hospital location puts members and staff at greater risk. Our Saint Mary’s staff are operating out of the Mill Street branch during this closure and can be contacted at 775.857.2424.
All other branches are operating with reduced lobby hours, 9 a.m. to 1 p.m., Monday to Friday. These branches are open for phone or email assistance during normal operating hours.
We encourage all members to use online and mobile banking options as an alternative to visiting a branch. Most banking transactions can be completed online for free, and we are temporarily waiving fees on the few remote services we do normally charge for. You can explore these options, enroll, and get help with digital banking here.
All of Sierra’s branch locations are open for regular lobby hours. Social distancing and mask requirements are be enforced in all branches, and hand sanitizer is available for members.
Sierra Pacific’s ATMs remain available, and Co-op ATMs and open shared branches can be found here.
