Routing Number: 321280237

What’s Your Drive?

For some, it’s the miles that mean income.
For others, it’s the people in the backseat.
Whatever your reason, the road ahead matters.

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For 90 years, Sierra Pacific Federal Credit Union has helped Nevada drivers protect what matters most — with auto loans designed around real life.

Drive With Confidence

Whether you’re buying a new vehicle or refinancing your current loan, Sierra Pacific is here to help you get there.
 
With straightforward financing, local decision-making, and a team that understands Nevada drivers, we’re more than a lender.
 
We’re your partner on the road.
 

Limited-Time Anniversary Offer

90 Days Before Your First Payment

To celebrate 90 years serving Nevada, qualified borrowers can take advantage of:

  • 90 days before your first auto loan payment is due.

  • Giving you time to settle into your new vehicle and your budget.

  • Available on new auto loans and auto loan refinances.



Why Finance With Sierra Pacific?

Local Decisions
A credit union that understands the communities we serve.

Flexible Auto Loan Options
Financing that fits your budget and your goals.

A Trusted Partner for 90 Years
Helping members move forward since 1935.

Buying or Refinancing?

Purchasing a Vehicle
Get financing that helps you drive away with confidence.
 
Refinancing Your Current Loan
You may be able to lower your rate or monthly payment by refinancing with Sierra Pacific.

Start Your Journey

Whatever drives you, we’re here to help you move forward. Apply for an Auto Loan Today or Talk With Our Team.

Apply Now Contact Us

90-day deferred payment available on qualifying auto loans. Interest may accrue during the deferment period. All loans subject to credit approval. Membership required. Terms and conditions apply. Offer subject to change.

*To participate in this offer, the Skip-A-Pay form must be returned to Sierra Pacific no later than three (3) business days prior to the scheduled monthly transaction date. Your ACH will not be stopped. Your funds will be available for withdrawal in your Sierra Pacific savings account. Available for November 2025 or December 2025 qualifying loans only. Loan must be open for at least three (3) months to qualify, and members must be in good standing. Interest will accrue during the entire term of the loan, including the non-payment period. HELOCs, credit cards, and overdraft lines of credit are not eligible. Not all members qualify. Members must apply between November 2025 and December 2025 to qualify. See credit union for details. Federally insured by NCUA.