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.
Credit Score by SavvyMoney shows your score, report, and more inside of the Sierra Pacific mobile banking app. If your credit score isn’t working, try these solutions:
Note that only primary account holders have access to Credit Score. Joint members will not be able to use Credit Score unless they open their own account at Sierra Pacific.
If you still can’t see your credit score in the mobile app, contact SavvyMoney’s support team at support@savvymoney.com
Sierra Pacific Credit Union uses specific lending criteria to make decisions on loan approval, rate, terms, etc. Any loan application submitted to Sierra is subject to our lending policies and may not match the offer, estimated score, or estimated rate or savings presented in SavvyMoney.
If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information.
Every Sierra Pacific CU user can file a dispute with TransUnion by clicking on the “Dispute” link within the Credit Score tool in online or mobile banking. TransUnion will share this with the other bureaus if the inaccuracy is verified. Members should check with each institution to confirm the innaccuracy has been fixed.
Sierra’s Credit Score widget in online and mobile banking updates automatically every 7 days. You can choose to refresh your score up to every 24 hours to see your latest score.
No. Your current credit score, report, and all other tools in the SavvyMoney widget in online and mobile banking can be viewed, used, and updated without impacting your credit score. SavvyMoney uses a soft pull to update your credit score information, which doesn’t hurt your score, no matter how often you update it.
No. Sierra Pacific provides this resource for FREE to all members enrolled in online banking.
Credit Score by SavvyMoney is a free service that we are now providing to all members of Sierra Pacific Federal Credit Union through your online or mobile banking account. Using SavvyMoney will have no impact on your score. It provides all members a free look at their current score, credit report, and ways to improve their score.
SavvyMoney includes additional features including:
Credit Score by SavvyMoney is a free service that we are now providing to all members of Sierra Pacific Federal Credit Union, and using Credit Score will have no impact on your score.
If you decide that you don’t want to use this service, there are three ways that you can turn it off.
You will not be automatically enrolled once you cancel this service. If at any point you would like to re-enroll, the Credit Score widget will be available for you to opt back in.
Nothing. Our website, online banking links and logins, and all other member access are unchanged. All you need to do is share your thoughts and spread the word about Sierra.
You can pay virtually any business or individual with a mailing address within the United States or Puerto Rico. For example, you can pay utilities, cable bills, credit cards, or individuals such as a landlord, babysitter, or relative.
Category:
Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment, and which Sierra Pacific account you want the payment to come from. It’s safe, secure, and easy to use.
Category:
Yes, Sierra’s Bill Pay feature is offered free of charge for all members. You must be enrolled in both Online Banking and Bill Pay to get access.
Category:
The following are our online banking supported browsers. We recommend using the most current version of your chosen browser for the best and most secure experience.
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.
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 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.
