Let your money grow.

A Regular Share Savings Account is your ticket to membership at Sierra Pacific. We work with you, we work for you, and you gain access to all of the low-rate loans, intelligent accounts, and financial tools we’ve put together.

Learn more about the benefits of membership here

Easy-Open Savings

To Start You Off Right

  • Open your savings online in about 5 minutes
  • No cost to open- We put the first $5 in for you!
  • Your local Financial Service Rep is ready to help, just a quick call away.
Young man in a beanie with phone celebrates

Local Service,

Anywhere Access

  • Online and Mobile Banking- Control your money from anywhere
  • Surcharge-free access to over 30,000 ATM’s in the US… and beyond!
  • Over 5,600 shared branches nationwide


  • 2 free check withdrawals per month, and your first box is free
  • Or, open your new Checking Account to access Samsung Pay, Google Pay, or Apple Pay, and to set up Online Bill Pay
  • Access to all of Sierra Pacific’s superior products and services, including low-rate auto loans and credit cards
  • Federally insured up to $250,000 by the National Credit Union Administration

Ready to join?

Savings and Investment Rates

Last Updated: May 1, 2018, 10:47 am

TypeDividend RateAPYConditions
Regular Shares0.1500%*0.1500%$0.01 to $9,999.99
Regular Shares 10k+0.2000%*0.2000%$10k and up
*Regular share deposits are the basic instruments of share ownership. Regular shares pay a cash dividend, which is declared monthly. Dividends are calculated based on daily balances, and are paid the last day of the month in which the dividend was earned.
Value: Dividend interest paid is consistently higher than liquid savings instruments at banks and savings and loans. SPFCU has even consistently paid higher dividends than many money market funds and one year CDs.
Security: Each savings account is insured for $250,000 through the Federal National Credit Union Administration (NCUA). Plus, we have excess shares insurance which covers you up to an additional $250,000.
Deposits and Withdrawals: Unlike many other institutions, deposits are normally available the moment they are deposited. Withdrawals from savings and investment instruments can be made any business day up until 5:00 P.M. Funds can be picked up, mailed, or for the direct cost - be sent overnight delivery.
*Annual Percentage Yield
Rates are subject to change and may change once the account has been opened.
The rates listed are accurate as of the date specified above.

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Sierra Pacific Federal Credit Union